
Simplesurance gadget insurance review
We've analysed the gadget insurance from Simplesurance to help you decide if it gives the right level of damage protection for your device.
Simplesurance offers tailored policies that include cover for cracked screens, liquid damage and operating errors for up to three years. And you can enhance your cover to provide extra protection against theft.
Who is Simplesurance?
Simplesurance offers a range of gadget insurance for newly purchased devices such as mobile phones, tablets, laptops and computers as well as those purchased less than six months before a policy starts.
Its gadget insurance policies can be taken out for 1, 2 or 3 years while Simplesurance also offers warranty extension cover up to 48 months.
Simplesurance operates in the UK and Germany, Austria, France, Italy, the Netherlands, Denmark, Sweden, Poland and Japan.
What types of gadget insurance does Simplesurance offer?
- Damage protection for mobile electronic devices. Cover for mobile phones, tablets and laptops with adapted policies for certain makes and models including iPhone, Samsung Galaxy, HTC and Huawei.
- Damage protection for stationary electronic devices. Cover for computers, TVs, game consoles and hi-fi systems.
- Warranty extension for mobile gadgets. Extended cover for mobile gadgets for up to 24, 36 or 48 months.
- Warranty extension for stationary electrical equipment. Extended cover for a variety of electronic devices including kitchen appliances such as fridges, freezers, washing machines, dishwashers and coffee machines for up to 24, 36 or 48 months.
What is covered under my policy?
- Cracked screen
- Liquid damage
- Short-circuit damage
- Third party
- Operating errors
- Fire damage
- Theft (optional)
- Short-circuit damage
- Cracked screen
- Liquid damage
- Operating errors
- Fire damage
- Theft (optional)
- Short-circuit damage
- Cracked screen
- Liquid damage
- Operating errors
- Fire damage
- Theft
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. For Simplesurance gadget cover, these include:
- 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, they will be added together.
There is no excess for Simplesurance stationary electronic devices such as computers, game consoles and hi-fi systems. However an excess will be applied to mobile electronics depending on the original price of a device, as shown in the table.
Purchase price of device | Excess |
---|---|
£0-£500 | £30 |
£501-£1,000 | £60 |
£1,001-£3,000 | £90 |
£3,001-£4,000 | £150 |
£4,001-£5,000 | £200 |
Full details of your policy excess will be in your policy document.
What is the claims process for Simplesurance?
If you need to make a claim, you can do so online via the Simplesurance website by selecting “Make a claim”.
As Simplesurance is web-based, there is currently no way to make a claim via telephone.
It’s vital that you let your insurer know about an incident within seven days of becoming aware of any issue or damage. Failure to do this could result in a rejected claim later on.
More guides on Finder
-
Starling Bank boosts interest rate for current account holders
The new rate of 3.25% for current accounts kicks in from 1 October for both new and existing customers. Here’s what you need to know.
-
Using Revolut abroad: Is it the right app to use?
Learn more about using Revolut abroad and if it is the right choice.
-
Using Monzo abroad: Is it the right app to use?
We look at how Monzo could benefit those travelling overseas.
-
Weekly share tips: Why Next is one to watch
Why George Sweeney believes Next is one to watch. This week’s share tip. Not financial advice or a recommendation.
-
Compare high street banks in the UK
If you don’t feel like you’re getting much from your bank account, switching has never been easier! Banks and building societies offer up cash and vouchers when you switch, and will handle the boring bits for you.
-
Compare switching deals in the UK
Compare features like cash incentives, overdrafts, interest rates and see if you’re getting the most from your current account.
-
Zebu Live 2023 takes centre stage during London Web3 Week
Zebu Live 2023 is returning to London this October as part of London Web3 Week. Get 25% off tickets with Finder.
-
5 steps to financial wellness
If your money habits are in need of a makeover, follow these 5 steps to help boost your financial wellness.
-
Winners of the Finder Investing & Saving Innovation Awards 2023 announced
Now in their fourth year, these awards recognise the investing and saving providers displaying the best innovations in their field.
-
The cheapest countries to study in Europe in 2023
Costs to study in Europe, when including tuition fees, rent and living costs, vary, but here are the cheapest countries for students.