Shelling out to replace a damaged or stolen phone or laptop is no-one’s idea of fun. Since opportunities for accidental damage are everywhere, gadget insurance can give some peace of mind – especially to the accident prone. But as all policies differ, we’ve highlighted the key features.
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.
White Horse Insurance Ireland dac is authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority.
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.
This covers all mobile electronic devices (mobile phones, tablets, laptops, cameras)
Cracked screen
Liquid damage
Short-circuit damage
Third party
Operating errors
Fire damage
Theft (optional)
This is for stationary computers
Short-circuit damage
Cracked screen
Liquid damage
Operating errors
Fire damage
Theft (optional)
This covers stationary electronic devices (game consoles, TVs, hi-fi systems)
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.
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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
Liz Edwards has been a consumer writer and editor for more than 20 years. She led award-winning teams at the campaigning publisher Which?, and has covered a range of consumer rights and personal finance topics including pensions, credit, banking and insurance. Liz has appeared frequently in national media such as The Sun, Metro, HuffPost and The Independent. She loves to cut through waffle to give consumers the real lowdown. And she loves puns. See full bio
Liz's expertise
Liz has written 111 Finder guides across topics including:
Moneyfarm and Vanguard are both investment platforms with a lot to offer. We compare their fees, features, account types and more – side by side in Vanguard vs Moneyfarm.
Vanguard and InvestEngine are both investment platforms with a lot to offer. We compare their features, fees, account types and more – side by side in InvestEngine vs Vanguard.
Vanguard and AJ Bell are both investment platforms with a lot to offer. We compare their features, fees, account types and more – side by side in AJ Bell vs Vanguard.
Nutmeg and Vanguard are both investment platforms with a lot to offer. We compare their fees, features, account types and more – side by side in Vanguard vs Nutmeg.
We explore your options for opening a bank account with an IVA.
How likely would you be to recommend Finder to a friend or colleague?
0
1
2
3
4
5
6
7
8
9
10
Very UnlikelyExtremely Likely
Required
Thank you for your feedback.
Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve.
Advertiser Disclosure
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
