Debenhams Gadget Insurance review

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Who is Debenhams?

Debenhams is a well-known high street department store chain that offers gadget insurance as part of its financial services arm.
In this guide, we’ll explore the level of cover offered by Debenhams Gadget Insurance.

Types of cover available

Debenhams offers tailored policies aimed at individuals, businesses and students. It also offers Home Gadget Bundle Covers, allowing you to cover up to 10 of your family’s gadgets in one policy. The cover is arranged by a company called Taurus Insurance Services.

We’ve set out below what level of cover you can get.

With standard cover, you’ll be covered in the following scenarios:

• Accidental damage
• Malicious damage
• Liquid damage
• Mechanical breakdown
• Cover for accessories up to £50
• Overseas cover for 60 days per year

With ultimate cover, you’ll also be covered in these scenarios:

• Theft
• Loss
• Unauthorised gadget usage up to £2,500
• Unauthorised ewallet usage up to £500
• Cover for accessories up to £150
• Overseas cover for 120 days per year

Cover limits

In order to be covered by Debenhams Gadget Insurance, your item must be in working condition and no more than 36 months old. It must have been purchased in the UK. You’ll need to provide proof of purchase to successfully make a claim.

Claims process

You’ll make a claim via the claims portal on the Debenhams Gadget Insurance website. Here, you’ll fill out an outline form, explaining various details about the item and the incident that led to the claim.

In the case of a theft or a loss, you’ll need to inform the police and your network provider (if applicable).

In the case of damage, you’ll need to send the gadget to Debenhams for repairs. If the item is deemed irreparable, you’ll be sent a replacement within 24 hours. All replacements come with a 12-month warranty.

You’ll need to pay your excess before the repairs or replacement process begins.

There are no limits on the number of claims you can make.

How to manage your policy

You can make changes to your policy by calling 0330 880 1733 or sending an email to gadget.sales@debenhamsgadgetinsurance.com.

Pros and cons

Our verdict

Overall, Debenhams offers a good range of policies with decent cover levels. The promise to replace gadgets within 24 hours with a 12-month warranty is great – assuming that it’s honoured – and many families will like the fact they can protect all devices under one policy.

Frequently asked questions about Debenhams Gadget Insurance

• How much does Debenhams Gadget Insurance cost?

  This depends on what items you’re covering and the level of cover you choose.

  Personal gadget insurance starts from £3.75 per month, while a Home Gadget Bundle starts from £10 per month.

• Do I have to pay an excess?

  Yes, you’ll pay:

  • A £25 excess on items worth less than £300
  • A £50 excess on items worth between £300 and £1,000
  • A £75 excess on items worth over £1,000

  If you make a claim in the first 31 days of your policy, you’ll pay an extra £50 on top of your excess.

• Who is the underwriter for this policy?

  The cover is arranged by a company called Taurus Insurance Services, which is based in Gibraltar but authorised by the UK financial watchdog via a “passport” system, and cover is underwritten by a company called AmTrust Europe Ltd, which is based in the UK.
  

• How do I cancel my Debenhams Gadget Insurance policy?

  You can cancel by calling 0300 800 1733 or sending an email to gadget.sales@debenhamsgadgetinsurance.com.

  If you cancel within the first 14 days of your policy, you’ll receive a full refund.