gadgetbuddy.com gadget insurance review

Do you want peace of mind and financial protection if something goes wrong with your smartphone or tablet? Nowadays, gadget insurance is widely available but choosing the right cover for your needs can be a minefield. With so many cover options to choose from, we’ve checked out the key features from gadgetbuddy.com to help you decide if it can protect your devices.

gadgetbuddy.com offers insurance for individual devices including mobile phones, smartwatches, tablets, games consoles and cameras, amongst others. It will also bundle gadgets together under one insurance policy. While worldwide cover is offered as standard, you’ll be able to choose between its bronze, silver and gold cover options. It claims that customers paying for an annual policy upfront will also benefit from two months of cover for free. Here’s what else we think you should know.

gadgetbuddy.com gadget insurance

• Find policies for phones, tablets, laptops, game consoles, TVs, smartwatches and more
• Several cover options
• Single or multiple device insurance

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Who is gadgetbuddy.com?

gadgetbuddy.com offers gadget insurance for a range of devices under 18 months old such as the usual mobile phones, tablets and laptops, and will also cover drones, e-readers, headphones, satellite navigation devices and virtual reality headsets.

Its gadget insurance policies can be taken out annually or on a rolling monthly basis. Loss and theft cover can be added to a policy to increase protection.

gadgetbuddy.com is a trading style of Rock Insurance Services Ltd, which is authorised and regulated by the Financial Conduct Authority.

• Who underwrites the gadget insurance from gadgetbuddy.com?

  While Rock Insurance Services Ltd arranges the gadget insurance from gadgetbuddy.com, policies are underwritten by UK General Insurance Ltd on behalf of Great Lakes Insurance SE, a German insurance company.

  Great Lakes Insurance SE UK Branch is authorised by the Bundesanstalt für Finanzdienstleistungsaufsicht in Germany and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority. UK General Insurance Ltd is also authorised and regulated by the Financial Conduct Authority.

What types of gadget insurance does gadgetbuddy.com offer?

• Single device insurance. Cover for one piece of electrical equipment in three different levels including bronze, silver and gold. Separate policies include iPhone, Samsung Galaxy, laptop, smartphone, MacBook and smartwatch insurance.
• Multiple device insurance. An unlimited number of gadgets can be insured in one bundle with discounts offered.

What is covered under my policy?

Check your policy details carefully to ensure you have the right cover for your needs.

What’s not covered?

As with all insurance, there are exclusions. The gadget insurance offered through gadgetbuddy.com does not cover:

• Gadgets used for work or commercial purposes
• Wear and tear
• Pre-existing damage
• Intentional damage
• Manufacturer faults or damage
• False or inaccurate information supplied
• Fraudulent claims

What is my excess?

An excess is the amount of money you have to contribute when you make a claim. The amount of your excess will vary depending on the original price of the gadget that’s covered.

If more than one excess applies, these will be added together.

Every gadgetbuddy.com claim made will have an excess applied and must be paid before a claim is approved. The amount will vary depending on your own circumstances and the device(s) you have insured.

Full details of your policy excess will be in your policy document.

What is the claims process for gadgetbuddy.com?

If you need to claim, you will need to contact gadgetbuddy.com’s claims handlers Trent-Services on 01285 626020. A claim form will then be either emailed to you or posted out to you to complete and return. You will need to record all details associated with the claim and also provide the original receipt, order or contract for each device as evidence.

It’s vital that you let your insurer know about an incident as soon as you become aware of any issue or damage to your device(s). Failure to do this could result in a rejected claim later on.