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Gadget Insurance

With gadgets becoming more expensive and smartphones being the hub of modern life, it’s well worth investing in a specialist gadget insurance policy rather than relying on your home insurance policy, or worse – having no policy at all.

Gadget Cover ‘s insurance policies not only include the usual accidental damage and theft as standard, with the option of loss cover on mobile phones, tablets and smart watches , but a whole array of other additional benefits including 1 month free and accessories cover.

Take a quote and see what Gadget Cover can offer you.

Popular insurance products:

  • iPhone 11
  • iPhone XR
  • iPhone XS
  • iPhone 8
  • Apple Airpods
  • Samsung Galaxy S10
  • Apple Watch
  • Samsung Galaxy S9
  • Huawei P30 Pro

What's Covered

Accidental damage

We will repair your gadget if it is damaged as the result of an accident. Unlike some insurers, we even cover minor screen cracks. If the item cannot be repaired we will replace it.

Liquid damage

If your gadget has been damaged due to splashes or full immersion we’ll repair it or replace it.

Breakdown

Repair or replace your gadget if something goes wrong with it. (except laptops).

Unauthorised usage

We’ll pay for unauthorised calls and data usage from your device, when it has been lost or stolen, up to £2,500.

Loss (optional)

If you selected to pay an additional premium and lose your gadget, we will replace it (mobile phones, tablets and smartwatches only).

Theft

If your gadget is stolen, we will replace it.

Accessories

We’ll replace any accessories (up to £150) if they are lost, stolen or damaged at the same time as your gadget.

Worldwide cover

Cover is extended to include use of your gadget anywhere in the world, up to 180 days in any 1 year.

Family cover

Your gadget cover is extended to your immediate family. If your partner loses or damages your phone you’re also covered!

E-wallet cover

If your gadget is accidentally lost or stolen, we will refund the cost of unauthorised transactions made using your e-Wallet facility up to a maximum of £500.

Mobile phones have become an integral part of our lifestyles. Many of us would never leave home without a phone in our pocket. And most of the time, it’s not simple phones but sophisticated and expensive smartphones that we carry with us everywhere.

Carrying a phone like that means that you’re vulnerable to dangers ranging from theft to loss and damage. High-quality smartphones are usually expensive and to pay for one, you may have agreed to sign a contract - which you’ll need to keep on paying even if you lose or damage your phone.

However, you can protect yourself against such risks by covering your phone with specialist mobile phone insurance.

Benefits can vary from insurer to insurer - that’s why it’s smart to shop around and look through various offers before settling on an insurance company.

Before purchasing a mobile phone insurance contract, make sure to read the Terms & Conditions carefully. That’s how you’ll be able to tell which clauses and exclusions apply to the type of insurance you’ve chosen.

A critical part of your mobile phone insurance is the type of theft it covers. For instance, theft without force or unattended theft may not be covered. If someone steals your phone from your pocket or takes it from a table in a cafe when you’re distracted, you’ll be left uninsured. Moreover, some insurers may refuse to pay out in specific cases - for example, if you forget your phone and leave it by accident on a train or taxi. If you’re deemed to have been careless by the provider, you might not be covered by the insurance. Any sort of water damage might fall under this exclusion too.

Pay attention to the terms stated in your contract. Some insurers require you to report the phone as lost to the police and the insurer within a specific time limit such as 24 hours or less.

The exclusions to this mobile phone insurance include:

  • Leaving the phone unattended
  • Theft from a vehicle or premises where there is no visible sign of forced entry
  • Lack of proof of purchase or receipt
  • Any claim where the phone has not been used since the insurance has been taken out