Compare gadget insurance

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

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Compare gadget insurance providers and products

Table: Promoted deals
Name Product Maximum cover Excess Monthly costs Multi-gadget discount Key Benefits
Switched on Insurance gadget
£2,500
£50
From £3.75
Loveit Coverit Gadget insurance
£2,000
From £30
From £2.24
Use code LOVE5 for 5% discount.
Protect Your Bubble Gadget Insurance
Dependant on device type
£50
From £2.99
Allianz Musical insurance
£30,000 for one instrument, £50,000 for collection.
No excess on instruments, £100 for computer equipment, tablets and mobile phones.
From £3
Insurance2go
Quote dependent
Quote dependent
From £3.49
Nova Direct
£2000
£50
From £5.50
PhotoGuard Insurance
£10,000
From £100
From £2.31
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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:

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

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.

More guides on Finder

  • Business gadget insurance

    Find business gadget insurance to cover all your expensive items such as mobile phones and laptops.

  • Gadget insurance abroad

    Find out whether you need gadget insurance for travel and what’s included in the cover, plus tips to keep your devices safe while travelling.

  • Student gadget insurance

    Find out what gadget insurance for students includes, who qualifies for it and how to find the best cover for you at the best price.

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