What is Gadget Insurance?
Gadget insurance is a type of insurance product that’s been designed specifically to protect the devices that keep your life running — that’s the tablets, laptops, and smartphones — from damage, among other things. Most gadget insurance policies will cover your devices against accidental/malicious damage or loss, theft, breakdown, and liquid damage. We’ll also replace any accessories lost, stolen, or damaged with your device! If your smartphone is stolen, we’ll reimburse costs for any unauthorised calls made with it.
Why do you need Gadget Insurance in the UK?
According to Uswitch, 98% of UK adults aged 16-24 have a smartphone, while the Office for National Statistics (ONS) claims that 90% of private households in the UK have a home computer. That’s a lot of gadgets across the country — and every single one of them could be lost, stolen, or subject to breakdown or accidental damage at any time. These things are often expensive to replace, which is why gadget insurance is such a smart choice; it’ll protect your pocket while protecting your devices, too.
And that protection isn’t just in the UK! If you take your gadgets away with you on holiday and they’re damaged, stolen, or lost, we’ll repair or replace them the moment you’re back in the UK, meaning you can relax and enjoy your holiday.
What's Covered and What isn't
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What’s covered?
Your standard gadget insurance policy will cover your devices against accidental damage, theft, loss, liquid damage, and mechanical breakdown. Most policies will also offer you worldwide cover, so if you drop your phone in a pool in Greece or lose your tablet in France, you’ll be able to get a repair or replacement once you’re back home.
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What isn't covered?
For a full list of policy exclusions, you’re better off checking your policy documents. Most gadget insurance policies don’t cover wear and tear, unattended theft, or gadgets without proof of purchase. - Always read the policy documents carefully to ensure your needs are fully met, and consider optional add-ons if you want more comprehensive protection. A well-informed choice today can save you stress and cost later.
Benefits of Our Insurance
Comprehensive Gadget Protection
- Covers accidental, malicious, and liquid damage
- Covers accessories up to £150
Worldwide Coverage
- Protection extends even while you travel
- Claims processed upon return to the UK
Flexible Plans for Every Need
- Affordable pricing starting at just £4/month
- No hidden fees or surprise clauses
Who should buy gadget insurance?
Types of Gadget Insurance Plans
Key Features
Claim periods & policy terms
Comprehensive Gadget Protection
Your policy includes cover for accidental damage, malicious damage, theft, loss, liquid damage, mechanical breakdown, and even accessories — making sure your devices stay protected, no matter the situation.
Worldwide Coverage
Whether you're travelling for business or leisure, your gadgets are protected globally. If something happens abroad, we’ll handle repair or replacement the moment you're back in the UK.
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- Monday to Friday
Best Gadget Insurance Providers in the UK (2025)
CoverCloud provides cover for accidental damage, mechanical breakdown, liquid damage, theft and loss, and includes £150 accessory cover — priced at £5.60 per month.
Insurance2go includes accidental damage, mechanical breakdown, liquid damage, theft and loss cover, along with £150 accessory protection — available from £4.99 per month.
Protect Your Bubble features accidental damage, mechanical breakdown, and theft cover — with plans starting at £7.99 per month.
How do I choose the best gadget insurance in the UK?
Several factors can affect how much your income protection insurance costs, including:
- Check policy excess: your excess will be what you pay out-of-pocket for gadget repairs or replacements, so it’s a good idea to make sure you choose a policy you can afford in the long-run./li>
- Check coverage limits: your coverage limits will be the difference between a successful claim and an unsuccessful one. Check if your gadget insurance policy has any limits to the number of claims you can make and make yourself familiar with any policy exclusions so you’re not caught out if you plan to make a claim for any of those things.
- Look for worldwide protection: if you think you’ll be travelling a lot or you’ve got a big holiday coming up, you’ll want to make sure any devices you take with you are covered, so have a look to see if worldwide coverage is offered. li>
- Check customer reviews & support: to make sure you have a good support experience if you ever need it, check customer reviews before purchasing a policy.
- Check claim process & approval time: you don’t want to be left in the lurch if claim approvals take an age or if the process of making a claim in the first place is too confusing or convoluted to understand.
Comparisons
Eligibility Criteria for Income Protection Insurance
The gadget must be in full working condition at the time of purchasing the policy.
You must have a valid proof of purchase (receipt, invoice, or contract).
The gadget should not exceed the age or value limits defined in the specific policy terms.
Only gadgets purchased in the UK or from authorised retailers are eligible for cover.
Refurbished gadgets are only covered if bought directly from the original manufacturer; used or secondhand gadgets are not eligible.
Frequently Asked Questions
Your income protection insurance policy covers your income if you’re too sick or injured to work or if you’ve been made involuntarily unemployed. You agree on an amount you’d like to be paid if this happens — called a ‘benefit’ or ‘benefit amount’ — and if you find yourself unable to work, you make a claim. Your benefit will cover whatever you need it to cover, whether that’s your mortgage payments, your rent, your bills, or even your groceries.
If you successfully make a claim on your income protection insurance policy, you’ll be paid out the benefit amount you selected when you first purchased cover. This will usually be up to either 65% of your income or £2,500.
Yes, income protection insurance is worth the investment, even if you are in the UK. With an income protection insurance policy in your back pocket, you won’t have to rely on your savings, state benefits like Universal Credit (which often aren’t enough to live off of for long), or handouts from loved ones to keep your head above water in the event that you couldn’t work. Think of it like paying into your rainy-day fund; one day, you’ll need it.
Is gadget insurance worth it in the UK?
Yes, gadget insurance is worth it in the UK. There are so many devices across the country and every one of those is vital to the running of our everyday lives. By protecting your gadgets with gadget insurance, you can make sure that your usual routine and important tasks never fall by the wayside because of theft or faulty technology.
Can I insure used gadgets?
You can insure gadgets you’ve bought refurbished from the device’s manufacturer, but no, we don’t insure used gadgets.
What happens if I lose my phone abroad?
Unfortunately, we can’t replace or repair your phone while you’re abroad (though that’d certainly be nice!), but once you’re back in the UK, our gadget insurance will take care of everything. All you have to do is contact us and explain the situation to begin a claim.
How many gadgets can I cover?
Some gadget insurance policies will allow you to cover multiple gadgets under the same policy, but a Best Insurance policy only covers one gadget at a time.
Do I need gadget insurance if I already have home insurance?
This question depends very much on your individual circumstances. If you have extensive home insurance coverage that also covers your gadgets, you might not need it – however, if your home insurance doesn’t cover your gadgets (or if it only covers some, for example your laptop but not your phone) then gadget insurance is a great way to complete your cover.
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