If you’re looking for gadget insurance that offers protection for your electronic devices that’s also affordable and comprehensive and gives you peace of mind, take a look at what’s on offer. Policies do vary but you always have a choice. Look for worldwide coverage, fast claims processing, and affordable premiums, that will safeguard your valuable gadgets wherever you go. Let us help you.
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All insurance products protect you against the unexpected. Gadget insurance is a specialised form of coverage designed to protect electronic devices including, smartphones, tablets, laptops, and smartwatches. This insurance will cover various risks including theft, accidental damage, loss, and sometimes mechanical breakdowns. Protect your valuable devices against unforeseen events that could lead to costly repairs or replacements.
Policies often include worldwide coverage, ensuring protection while travelling. They may also offer quick and efficient claims processing, enabling minimal disruption to your everyday life. Premiums are generally affordable and can be tailored to fit the specific value and type of the gadget insured. Gadget insurance provides peace of mind and financial security, and allows you to enjoy your devices without the constant worry of potential damage or loss.
Types of gadget insurance
If you’ve dropped you ‘phone and damaged the screen, this qualifies as accidental damage, and you can claim for this with the right policy. If any of your precious electronic gadgets are damaged, having the right insurance in place will either help you get it repaired or even replaced.
Most electronic gadgets come with accessories, these may be ear buds, smartwatches or even smart speakers. Check if your policy will cover the loss or damage for any of your accessories.
Make sure you choose the right insurance. If you’re travelling and just, for example taking your smartphone with you, then a single gadget policy might be the best option. Sometimes you can take out multiple single gadget policies and this may prove cheaper than the multiple gadget options.
The multiple-gadget option might the best if you want to protect several electronic items, possibly a camera, your smartwatch, your laptop and phone. Different policies have restrictions o the number of gadgets they’ll cover so please check.
Should many family members use electronic gadgets, a family policy will cover both children and adults. This policy will give you peace of mind and ensure that all your electronic goods are protected in case of loss, theft or damage.
If your electronic gadget is stolen, some insurers will need to have a crime number from the police before they’ll pay out. It’s always a good idea to ask and check the Ts & Cs.
Gadgets are expensive and a replacement will cost both time and money. Without access to your electronic gadgets, you cannot communicate in the modern world. But with the right gadget insurance in place, you’ll be able to save yourself considerable stress, time and expense should something go wrong. Premiums for gadget insurance cost far less than the expense of having to buy a new laptop or smartphone if you’ve damaged the item or it has been stolen.
CoverMy Gadget - Basic
Offer Details
Get a £10 Amazon Voucher when purchasing a policy with CoverMyGadget (Terms and conditions apply)Benefits
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CoverMy Gadget - Premium
Offer Details
Get a £10 Amazon Voucher when purchasing a policy with CoverMyGadget (Terms and conditions apply)Benefits
Exclusions
Tinhat
Offer Details
Get a 10% off your policy when insuring your phone with Tinhat. Use code CA10 at checkout (Terms and conditions apply)Benefits
Exclusions
Gadget insurance policies cover both individual devices, and multiple gadgets. These include smartphones, tablets, laptops, and wearables and having a policy in place will give you peace of mind. You can select family plans covering multiple gadgets, or maybe student insurance offering discounted rates might be better. If you’re an employer and want to protect your workers’ devices there are business policies for corporate-owned electronic gadgets. Whether you damage or lose your device overseas also matters. Take a look at our list to see which type of gadget insurance covers your needs.
When to get gadget insurance
The best time to take out this type of policy is when you’ve just bought your new electronic gadget. Some insurers cover older models but it’s a good idea to check with the specific insurer. If you rely on your gadget for your work, studies or even pleasure, it’s essential that you’re protected by insurance, as replacement costs can run into £1,000s.
Does your policy protect you if your gadget is a refurbished model? With many trying to save money at the moment, refurbished electronics have become increasingly popular.
Some insurers aren’t keen on reimbursing you for loss or damage if your gadget is still under warranty. Always hang on to your proof of purchase.
Always ensure that you look after your electronic gadget. If you’re careless with your phone or laptop, for example and just leave it in public sight, you may not be covered for its loss.
Should your device be stolen, and it’s discovered that a thief has used your device to make very expensive calls that will be charged to your account - make sure that your insurance will cover the cost of these calls.
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