Compare gadget insurance

Question 1

Do I need gadget insurance?

Answer

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.

Question 2

Frequently asked questions

They might be. Most home insurance policies include cover for things like laptops, tablets and phones while they’re in the covered property. There might be a limit on how much each item can be worth to be covered though, so more expensive gadgets may be excluded or need to be declared separately.
For cover while your items are away from your home, your home insurance policy will need to include personal possessions cover. This is sometimes included as standard but can also be an optional extra. Read your policy details or contact your insurer to double-check whether you have this type of cover.
If your gadget has been stolen, you will need to notify the police and get a crime reference number. Your insurer will ask for this when you make the claim.
For damage claims, taking photos of the device you wish to claim for might be helpful.
Whatever the reason for the claim, make sure to contact your insurer as soon as possible and always keep receipts since you will need proof of purchase for any successful claim.

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.

Accepted Answer

Each provider determines what devices to cover under its policy, but gadget insurance usually includes the following devices:

iPhone insurance

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.

Samsung insurance

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.

Drone insurance

Drone insurance covers the cost of repairing or replacing your drone if it is damaged lost or stolen. You’ll also be covered for any damage to other people’s property caused by your drone.

Camera Insurance

Camera insurance covers the cost of repairing or replacing your camera. This includes DSLR cameras, SLR cameras, action cameras and camcorders.

Tablet insurance

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.

iPad insurance

The iPad is one of the most expensive tablets on the market. iPad insurance will cover the costs of this, potentially saving you a big expense if something happens to your device.

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)
Theft
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

They might be. Most home insurance policies include cover for things like laptops, tablets and phones while they’re in the covered property. There might be a limit on how much each item can be worth to be covered though, so more expensive gadgets may be excluded or need to be declared separately.
For cover while your items are away from your home, your home insurance policy will need to include personal possessions cover. This is sometimes included as standard but can also be an optional extra. Read your policy details or contact your insurer to double-check whether you have this type of cover.
If your gadget has been stolen, you will need to notify the police and get a crime reference number. Your insurer will ask for this when you make the claim.
For damage claims, taking photos of the device you wish to claim for might be helpful.
Whatever the reason for the claim, make sure to contact your insurer as soon as possible and always keep receipts since you will need proof of purchase for any successful claim.

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.

Maximum cover	Excess	Monthly costs	Key Benefits
£2,500	£50	From £3.75		Go to site View details	loading Fetching your data...
£2,000	From £30	From £2.24	Use code LOVE5 for 5% discount.	Go to site View details	loading Fetching your data...
Dependant on device type	£50	From £2.99		Go to site View details	loading Fetching your data...
£30,000 for one instrument, £50,000 for collection.	No excess on instruments, £100 for computer equipment, tablets and mobile phones.	From £3		Go to site View details	loading Fetching your data...
Quote dependent	Quote dependent	From £3.49		Go to site View details	loading Fetching your data...
£2000	£50	From £5.50		Go to site View details	loading Fetching your data...
£10,000	From £100	From £2.31		Go to site View details	loading Fetching your data...

Compare gadget insurance

Find out what gadget insurance is, what it includes and how to find the best deal for you.