Gaming Equipment Insurance
Specialist insurance for gaming enthusiasts protecting expensive gaming PCs, consoles, and setups. Coverage for damage, theft, power surge, and equipment breakdown.
Gamer Protection: With high-end gaming setups often costing £3,000-10,000+, specialist insurance provides crucial protection for this valuable equipment.
Gaming Equipment Covered
Core Gaming Hardware
Essential gaming equipment and high-performance components.
- Gaming PCs & laptops
- Gaming consoles (PlayStation, Xbox, Nintendo)
- High-end graphics cards
- Gaming monitors & displays
Peripherals & Accessories
Gaming accessories and peripheral equipment.
- Mechanical keyboards
- Gaming mice & controllers
- Gaming headsets & audio
- Gaming chairs & desks
Specialized Gaming Categories
Professional & Enthusiast Equipment
Streaming Setup
- • Capture cards & mixers
- • Professional cameras
- • Studio lighting
- • Green screens & backdrops
VR & Immersive Gaming
- • VR headsets (Meta, PICO, Valve)
- • Motion controllers
- • Haptic feedback suits
- • Room-scale tracking systems
Competitive Gaming
- • High-refresh rate monitors
- • Pro gaming peripherals
- • Tournament equipment
- • Custom mechanical keyboards
Coverage Types & Costs
| Setup Value | User Type | Annual Premium | Typical Excess |
|---|---|---|---|
| £1,000 - £3,000 | Casual Gamer | £40 - £80 | £50 - £100 |
| £3,000 - £6,000 | Enthusiast | £80 - £150 | £100 - £200 |
| £6,000 - £12,000 | High-End/Streamer | £150 - £300 | £200 - £400 |
| £12,000+ | Professional/Esports | £300+ | £400+ |
Gaming-Specific Risks
Common Risks
Power Surge Damage
Electrical storms and grid fluctuations
Overheating Issues
Component failure from extended gaming
Liquid Damage
Drink spills during gaming sessions
Transport Damage
Moving equipment to LAN parties
Protection Measures
UPS & Surge Protection
Uninterruptible power supplies
Proper Cooling
Adequate ventilation and fans
Secure Storage
Locked gaming rooms when away
Regular Maintenance
Cleaning and component checks
Claims Process
Gaming Equipment Claims
Immediate Steps
- Stop using damaged equipment immediately
- Disconnect power if electrical damage
- Document damage with photos/videos
- Contact insurer within 24-48 hours
- Preserve all components and packaging
Required Information
- • Component specifications and models
- • Purchase receipts and warranties
- • Photos showing damage
- • System configuration details
- • Police report number (if theft)
- • Repair quotes from specialists
Professional Gaming Considerations
Esports & Streaming
Additional considerations for professional gamers and content creators.
- • Business interruption coverage
- • Sponsored equipment protection
- • Tournament equipment coverage
- • Revenue loss from downtime
- • Professional liability considerations
Custom Builds & Modifications
Special considerations for custom gaming PCs and modifications.
- • Detailed component inventory required
- • Custom cooling system coverage
- • Overclocking and modification risks
- • RGB and aesthetic component costs
- • Assembly and configuration value
Cost-Saving Tips
Reducing Premiums
Surge Protection
Quality UPS systems reduce electrical risks
Security Measures
Secured gaming areas and alarms
Bundled Coverage
Combine with home or tech insurance
Higher Excess
Accept higher excess for lower premiums
Best Practices
Keep Receipts
Maintain detailed purchase records
Regular Updates
Notify insurer of new equipment
Backup Systems
Consider backup equipment for pros
Professional Setup
Proper cable management and cooling
Frequently Asked Questions
What gaming equipment can be insured?
Coverage includes gaming PCs, laptops, consoles, monitors, keyboards, mice, headsets, controllers, VR equipment, streaming gear, chairs, and any gaming-related hardware or accessories.
Does gaming insurance cover power surge damage?
Yes, most gaming equipment insurance includes power surge protection, which is crucial for expensive gaming PCs and setups. Some policies also cover brownouts and electrical fluctuations.
Are custom-built gaming PCs covered?
Absolutely. Custom-built PCs are often more valuable than pre-built systems. You'll need to provide detailed specifications and component receipts for accurate valuation and coverage.
What about gaming equipment used for streaming or esports?
Professional gaming and streaming equipment is covered, though you may need additional business coverage if you earn income from gaming. Notify your insurer about commercial use.
Does gaming insurance cover digital games and accounts?
Physical game collections are typically covered, but digital game libraries and account values are usually excluded. Some specialist policies may offer limited digital asset coverage.
Can I get coverage for gaming equipment at LAN parties or tournaments?
Most policies include coverage away from home, including at gaming events, LAN parties, and tournaments. Check policy terms for any restrictions on commercial venues.
Level Up Your Protection
Get specialist gaming equipment insurance quotes from leading UK insurers. Compare coverage for gaming PCs, consoles, and expensive setups.