Frequently Asked Questions

If you are an existing customer please refer to your Terms and Conditions or contact Gadget Cover if you have any questions.

Many of us do not realise the value of the everyday items carried in our briefcase / rucksack / handbag. It's only when something goes wrong and we have to replace these products that we understand the true value, both personally and financially of our everyday gadgets.

  • Theft – including unattended theft from a secure vehicle / secure premises
  • Accidental loss for mobile phones, iPads and smartwatches only (optional)
  • Extended warranty (not included on Laptops)
  • Accidental damage
  • Liquid damage
  • Malicious damage
  • Worldwide cover (180 days)
  • Unauthorised call use (up to £2,500)
  • Accessories cover (up to £150)
  • E-wallet cover
  • Unlimited claims
  • Family cover – your gadget's covered whether you or a member of your immediate family* are using the gadget
    • *Immediate family includes your mother, father, son, daughter and spouse. It also includes your domestic partner (domestic partner is defined under this policy as someone you are living with in a long-term permanent relationship as if you are married to them).

Your gadget insurance will be set up right away upon successful purchase.

One thing you should be aware of before purchasing a gadget insurance contract is reading it carefully to see which type of exclusions apply.

Please see our Terms and Conditions for all exclusions to understand the cover we offer and any exclusions within you gadget insurance policy.

In the event that you make a claim, an excess applies which must be paid to us before your claim can be settled. This excess varies depending on the value of your gadget when new. If your claim is for a gadget up to the value of £500 (when new) the excess  is £50 for any claim. If your claim is for a gadget between the values of £501 and £999 (when new) the excess is £75 for any claim. If your claim is for a gadget over the value of £1000 (when new) the excess is £100 for any claim.

You will need to be able to evidence ownership for all the items you are claiming for at the point of claim. This can be a copy of your receipt (the receipt should be in the policy holders name or an immediate family member), a gift receipt (provided it has your name on it), a delivery note or in the case of a mobile phone, a confirmation from your network provider of the phone you have in use on your contract and it’s IMEI number.

The item must not be more than 18 months old when the insurance is first purchased. There is no limit on how long the item can be insured, thereafter.

To make a claim, you need to do the following:

If your claim is for damage, we will ask you to send the gadget to our nominated repair centre where can inspect and repair it. We aim to repair or replace items within 5 to 7 working days.

If your claim if for the theft or loss of your gadget to the police and your service provider no later than 48 hours after you notice that your smartphone or tablet is missing.

Next, you need to contact us. Make sure to do that as quickly as possible - within 48 hours from discovering loss or theft of your gadget.

You can call our dedicated Claim Advisors on 0203 794 9294. You can also send us an email to this address: If you take longer than 48 hours to contact us, you risk that your claim is delayed or rejected.

We aim to process claims within 48 hours. Once we receive all the required documentation - which includes proof of ownership - we will make a decision about your claim within 48 working hours. If we approve the claim, you will need to pay the policy excess to let us proceed with the claim. Make sure that you provide us with all the required documentation and pay the excess as quickly as possible - any delay may make the process take longer.

This insurance is arranged by Insurance Factory Limited and underwritten by Zenith Insurance Plc, Authorised Insurers, registered in Gibraltar No 84085. Registered Office: 846-848 Europort, Gibraltar.

Zenith Insurance Plc is regulated by the Gibraltar Financial Services Commission and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority in respect of underwriting insurance business in the UK (No. 211787)

You should contact Customer Services on 0203 794 9294 with your new gadget details or email

You may cancel the insurance, without giving reason, by contacting us either in writing to Gadget Cover, The Connect Centre, Kingston Crescent, Portsmouth, PO2 8QL, by telephoning 0203 794 9294 or by emailing

Please see full Terms and Conditions for details

Unfortunately we are unable to insure any item if you are under 18 years of age. However, so long as you still live with your parents, they can purchase the policy for you and when you turn 18 they can then transfer the policy into your name.

To insure your gadget, you need to be a permanent resident of the UK.

If you wish to make a complaint, please contact us by phone on 0203 794 9294 or email us at

Further details on making a complaint can be found in your Terms and Conditions

Please select a Make and Model