Gadget Insurance
Comprehensive protection for your mobile phones, laptops, tablets, and tech devices. Cover for accidental damage, theft, liquid damage, and worldwide protection.
Essential Protection: With the average household owning £3,000+ worth of gadgets, specialist insurance provides crucial protection that standard home insurance often lacks.
What's Covered
Accidental Damage
Protection against drops, impacts, and other accidents that could damage your devices.
- Cracked screens
- Impact damage
- Liquid damage
- Electrical faults
Theft & Loss
Comprehensive protection against theft, robbery, and accidental loss of your devices.
- Theft from person
- Burglary from home
- Accidental loss
- Worldwide coverage
Types of Gadgets Covered
Portable Devices
Mobile Devices
- • Smartphones
- • Tablets
- • Smartwatches
- • Fitness trackers
Computing
- • Laptops
- • Netbooks
- • Ultrabooks
- • 2-in-1 devices
Audio/Visual
- • Headphones
- • Cameras
- • E-readers
- • Portable speakers
Gaming
- • Handheld consoles
- • Gaming accessories
- • VR headsets
- • Controllers
Coverage Options & Costs
| Device Type | Monthly Premium | Excess | Max Claim Value |
|---|---|---|---|
| Smartphone (£200-600) | £3-8 | £25-75 | £1,500 |
| Premium Phone (£600-1200) | £8-15 | £50-100 | £2,500 |
| Tablet (£200-800) | £4-10 | £35-80 | £2,000 |
| Laptop (£500-2000) | £6-20 | £50-150 | £5,000 |
Claims Process
Repair Claims
Report the Damage
Contact insurer within 48 hours
Get Authorization
Receive repair approval and excess details
Send for Repair
Use approved repair network
Pay Excess
Pay directly to repairer
Replacement Claims
Report Loss/Theft
Contact police if theft, insurer immediately
Provide Evidence
Crime reference, proof of purchase
Claim Assessment
Insurer validates claim details
Receive Replacement
New/refurb device within 48 hours
Money-Saving Tips
What Increases Costs
High-Value Devices
Latest flagship phones and premium laptops
Multiple Claims History
Previous claims increase future premiums
Low Excess Options
Lower excess = higher monthly premiums
Worldwide Coverage
Global protection costs more than UK-only
Money-Saving Strategies
Multi-Device Policies
Bundle multiple gadgets for discounts
Higher Excess
Accept higher excess for lower premiums
Annual Payment
Pay yearly instead of monthly to save
Protective Accessories
Cases and screen protectors reduce risk
Frequently Asked Questions
What gadgets can be covered under gadget insurance?
Most policies cover smartphones, tablets, laptops, smartwatches, cameras, headphones, gaming consoles, and e-readers. Some insurers also cover accessories like chargers and cases.
Does gadget insurance cover liquid damage?
Yes, most comprehensive gadget insurance policies cover accidental liquid damage, including spills, drops in water, and exposure to rain. However, gradual damage from humidity may be excluded.
How quickly can I get a replacement device?
Most insurers aim to provide replacements within 24-48 hours for mobile phones and 3-5 working days for other devices. Some offer same-day replacement in major cities.
Are refurbished replacements acceptable?
Many policies provide refurbished devices as replacements, but they should be of equivalent specification and condition. Some insurers offer 'new for old' replacement within the first year.
Does my home insurance already cover my gadgets?
Home insurance may provide basic cover but usually with high excesses, limited away-from-home protection, and no accidental damage cover. Gadget insurance offers more comprehensive protection.
Can I insure gadgets I bought second-hand?
Some insurers will cover second-hand devices if they're less than 3 years old, in good working condition, and you have proof of purchase. Premiums may be higher than for new devices.
Protect Your Gadgets Today
Get comprehensive gadget insurance quotes from leading UK providers. Compare coverage for accidental damage, theft, and worldwide protection.