Gadget Insurance
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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.
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.
How exactly does gadget insurance work?
Report the incident immediately
If you’ve lost your phone or it’s been stolen, contact your network provider to deactivate your device and report the incident to the police if necessary. Document any loss or damage, as well as how it occurred
Submit your
claim
Contact us either by email or by phone within 48 hours of the incident. We’ll need you to provide proof of purchase (like a receipt or contract) and your policy details to get started on your claim
Pay your
excess
If you still have your device, back up your personal data and perform a factory reset before sending it out. Then pay the policy excess fee so we can process your repair or dispatch a replacement for your lost device
Do I need gadget insurance?
If you rely on your phone, tablet, or laptop for work and day-to-day life, gadget insurance is an invaluable investment. Students, remote workers, frequent travellers, and commuting professionals often stand to benefit from gadget insurance the most, because the constant transport increases the risk of drops, liquid spills, or theft in public places. Gadget insurance is a great way to prevent significant financial disruption or the inconvenience of losing your device, so anyone whose daily routine is heavily influenced by their gadgets should consider investing in a policy.
What does gadget insurance cover?
What is covered by gadget insurance?
Your standard gadget insurance policy will cover your devices – that’s your phones, your tablets, and your laptops – 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.
What is not covered by gadget insurance?
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. A well-informed choice today can save you time, energy, and money later.
Types of income protection insurance
There are a range of different forms of income protection insurance for all kinds of people, which is why it’s important to find the policy that’s right for you.
How much is gadget insurance?
Gadget insurance premiums are affected by a whole range of factors, which include:
Your device
Depending on the price and model of your device, you might need to pay more in premiums; some devices are harder to repair or replace than others
Level of cover
If you’re looking for a very comprehensive gadget insurance package, you’ll pay more every month for your cover than you would for a more basic plan
Your excess
Choosing a higher excess (which is the out-of-pocket amount you pay at claim) will naturally lower your premium, while a lower excess increases it
Claims history
If you have a history of making multiple or frequent insurance claims, you might have to pay more for your cover
What are the benefits of gadget insurance?
There are a number of benefits to gadget insurance, including:
Worldwide cover for travel, so you can take your phone to the ends of the earth and back without worrying
Protection against loss and theft, so you aren’t left entirely out of pocket if your device is stolen out of your bag or left behind on the bus
The peace of mind that comes from knowing your gadgets are in safe hands
Protection against accidental damage or liquid spills ensures you and your gadget can survive even the toughest, busiest days.
How much income protection insurance do I need?
Working out how much income protection insurance you might need is easy when you break it down into three quick steps:
Work out your monthly take-home pay and how much your usual monthly expenses are, including bills, rent or mortgage payments, and day-to-day costs
With that worked out, you then want to take away the amount of money you’d get in state benefits as well as any work-related costs (like the cost of commuting, for example)
Make sure to take into account any extra expenses you’d need to cover if you fell ill or became disabled (for example extra heating, medical equipment, mobility aids, etc)
How much will my gadget insurance cover during a claim?
How much your gadget insurance will cover when you claim depends on both the kind of claim and the nature of your contract. Generally, though, for a total loss (like if your phone was stolen or lost and irretrievable), your policy will cover either the current market value or full replacement cost of a like-for-like model, up to a specific maximum claim limit. If the gadget is fixable, we’ll cover all the costs involved in an authorised repair.
What do I need to get a gadget insurance quote?
If you’re applying for gadget insurance, we’ll need some information about you to give you the best quote for you:
Gadget details
Walk us through the exact make, model, storage capacity, and serial/IMEI number of your device
Device history & value
Tell us the original price you paid when you purchased your device alongside proof of purchase, as well as your device’s age
Personal information
Finally, give us your full name, contact details, home address, and payment choice so we can set up your monthly bill
Frequently Asked Questions
Some policies can be taken out on an index-linked basis, which means that your payout (otherwise known as a ‘benefit’) will rise in line with inflation. An index-linked policy will.
Your income protection insurance will generally cover most injuries and illnesses, as long as they keep you from working — including serious illnesses and musculoskeletal problems.
If you rely on your income to cover everyday living expenses and would struggle to keep up with financial commitments if you couldn’t work, income protection insurance is worth considering.
Yes. Income protection is available for employees, self-employed individuals, and contractors, and self-employed cover is designed to bridge the gap left by a lack of company benefits.
Payments begin after your chosen waiting period, which usually ranges from about 4 weeks up to a full year. The longer your waiting period, the cheaper your premiums.
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