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What is gadget insurance?
Gadget insurance provides cover for items such as mobile phones, tablets, laptops, cameras, music players, ereaders and GPS devices.
These items can be expensive and so getting them insured makes them easier to replace if they are damaged, lost or stolen. Cover varies by provider, but some policies offer protection for your devices both in and out of the home.
Do I need gadget insurance?
That is really up to you, but consider whether you’ll be able to afford to replace your favourite devices should they be damaged, lost or stolen. You might also want to consider how much you rely on these devices for things like work (or finding work), studies and social interactions. Think about how losing the use of your phone or laptop and not being able to replace it straight away might affect your life.
You can find some basic gadget insurance policies for only a few pounds each month, so shop around to find a deal that works for you.
One thing to be aware of is that your gadgets may be covered under your home insurance policy. However, some policies set a top limit for the value of any single item, so make sure none of your devices exceeds that (particularly top range iPhones and iPads).
Note that many home insurance policies don’t include cover for items outside the home. If this is something you need, you can either add this as an optional extra to your home insurance policy or take out a standalone gadget insurance policy.
What types of gadgets does gadget insurance cover?
Each provider determines what devices to cover under its policy, but gadget insurance usually includes the following devices:
Planning to shell out a small fortune on AppleCare+ to cover accidental damage to your iPhone? Before you do that, take a look at our comparison. You could save the cost of a decent speaker by going for a third party alternative.
Your new Samsung phone is sleek, smart, and expensive to repair or replace. Insurance covers you for loss, theft and accidental damage. In our guide, you can compare deals and find out more about what you get and what’s excluded.
Camera insurance covers the cost of repairing or replacing your camera. This includes DSLR cameras, SLR cameras, action cameras and camcorders.
Tablet insurance will cover the costs of repairing or replacing your tablet if it is damaged, lost or stolen. The scenarios in which you are covered will differ depending on your choice of insurer.
What can gadget insurance cover?
The exact spec of the policy will vary by provider and cover level, but gadget insurance tends to include the following benefits:
- Accidental damage (including cracked screens)
- Unauthorised call cover (for stolen phones)
- Mechanical breakdown
- Water damage
- International cover
- Guaranteed replacement device
- Extended warranty cover
Gadget cover exclusions
Again, this will vary by provider and cover level. Some of the more basic policies might exclude things like international cover, extended warranty or guaranteed replacement device.
Business use is also likely to be excluded from cover unless you take out a special business insurance policy. If you use your devices for work purposes, check with your insurer how this affects your cover.
Frequently asked questions
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