Compare gadget insurance

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


Fact checked

Compare gadget insurance providers and products

Table: Promoted deals
Data updated regularly
Name Product Cover for Maximum cover Excess Monthly costs
So sure insurance
So sure insurance
From £25
From £3.49
Switched on Insurance gadget
Switched on Insurance gadget
Smartphones, tablets, laptops and Apple Watches.
From £3.75
Protect Your Bubble Gadget Insurance
Protect Your Bubble Gadget Insurance
Smartphones, tablets, laptops and camera equipment.
Dependant on device type
From £2.99
Row Gadget Insurance
Row Gadget Insurance
Apple, Samsung, Google, Huawei and other popular phone brands.
From £40
From £1.49
Endsleigh gadget insurance
Endsleigh gadget insurance
Smartphones, tablets, laptops, Apple Watches.
From £3.75
Allianz Musical insurance
Allianz Musical insurance
Musical instruments and equipment.
£30,000 for one instrument, £50,000 for collection.
No excess on instruments, £100 for computer equipment, tablets and mobile phones.
From £3
Mobiles, tablets, laptops
Quote dependent
Quote dependent
From £3.49
Nova Direct
Nova Direct
Smartphones, tablets, games consoles.
From £5.50
PhotoGuard Insurance
PhotoGuard Insurance
Cameras, drones and camera equipment.
From £100
From £2.31

Compare up to 4 providers

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.


Better mobile insurance - up to 80% cashback

  • One month FREE when you pay yearly
  • Fast replace and repair service
  • Up to 80% no claims cashback

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.

Go to site