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 a limited regulation by the Financial Conduct Authority and Prudential Regulation Authority in respect of underwriting insurance business in the UK (No. 211787).


Zenith Insurance Plc is a member of the Association of British Insurers 

We are proud of our reputation for fairness in our treatment of our customers. However, occasionally disputes or misunderstandings can arise. Any enquiry or complaint you have regarding your policy should be addressed to The Customer Services Director, either by post, to:


Gadget Cover,
The Connect Centre,
Kingston Crescent,


Or by email to: 


Or by telephoning 0203 794 9294. You should provide details of your policy and in particular, your policy reference number, to help with the speedy handling of your enquiry. Gadget Cover will make every effort to resolve your complaint immediately.  If they cannot resolve your complaint by the end of the next working day they will acknowledge your complaint within 5 days of receipt and will do their best to resolve the problem within four weeks by sending you a final response letter.


If they are unable to resolve your complaint in this time they will write to advise you of progress and will endeavour to resolve your complaint within the following four weeks.

If you are still dissatisfied after receiving their final response letter you may refer your complaint to the Financial Ombudsman Service at the following address:


Financial Ombudsman Service
Exchange Tower, London E14 9SR

Tel: 0800 023 4567


You have the right of referral within six months of the date of your final response letter.  Whilst we and our UK service providers are bound by the decision of the Financial Ombudsman Service, you are not.  Following the complaints procedure above does not affect your right to take legal action.


You may go directly to The Financial Ombudsman Service with your complaint, but the Ombudsman will only review your complaint at this stage with our consent.


Click here to see the Terms & Conditions of our policies.