Compare 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.

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Frequently asked questions

• Are my gadgets covered under another policy such as home insurance?

  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.

• Can I insure more than one gadget?

  Yes – many insurers offer a multi-gadget policy. There might be a limit on the number of gadgets you can include under the one policy, so make sure you check that what’s on offer is sufficient for your needs.

  Some insurance companies might even offer discounts for insuring more than one device.

• Do I need gadget insurance cover if my device is still under warranty?

  Yes. The warranty usually only includes mechanical failure, not accidental damage, theft or loss.

• What do I do if my device needs repairing?

  Contact your insurer before undertaking any repairs to the device. A condition of your policy might be that the device has to be repaired by one of the insurance company’s approved repairers.

• Can I still get gadget insurance for a second-hand device?

  As a rule, no. Most providers only cover items that have been purchased as new from a manufacturer, network provider or other high street or online store.

• What do I need to do to make a claim?

  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.

• How does gadget insurance work?

  This depends on your individual needs. You can get a policy that covers just the one device or a more comprehensive one that includes multiple devices under the same policy. You might even get a discount for insuring more than one device.

  Some insurers also offer family gadget insurance policies that can offer cover to all the members of the household.