Gadget Insurance

Like it or not, today we live in a gadget dominated world and that is why gadget insurance can be so invaluable. So, what does gadget insurance typically provide?

accidental damage to your gadget;
theft;
accidental loss (for mobile phones and PDA’s);
gadget breakdown (excepting laptops).

Why may I need it?

Although we may think of some gadgets as perhaps slightly trivial, others such as phones, cameras and laptops, have become an essential part of daily survival for many. Trying to manage without them may be difficult or perhaps even impossible in some situations – particularly if they form an integral part of your daily professional routine.

Unfortunately, gadgets by definition are often small, portable and as a result, vulnerable. In addition, they not only appear desirable to you but also to others who want one without having to go to the trouble of paying for it – ie. thieves.

So, they may easily be lost, stolen or damaged but whatever else they may be, they are not cheap to replace! That’s why having sensible levels of gadget insurance cover may be a good idea.

Gadget insurance

There are various forms of gadgets, all vulnerable to various forms of risk. That’s why we offer different forms of cover to provide you with the protection you need including:

mobile phone insurance;
iPhone insurance;
laptop insurance;
Sat Nav insurance;
MP3 & iPod insurance;
camera insurance;
portable games console insurance;
multiple item cover.

The costs of not insuring your items

It is, of course, perfectly true that insurance costs money – but imagine the cost you would have to outlay to repair or replace a damaged or stolen item. Our range of mobile phone insurance; laptop insurance; iPhone insurance; MP3 & iPod insurance; Sat Nav insurance; camera insurance; portable games consoles insurance; and other gadget insurance policies offer – we believe – affordable, great value cover.

With our range of gadget insurance cover, you can also benefit from:

worldwide cover;
free mobile data contact back up;
48 hour replacement, subject to a successful claim;
Liquid damage;
One months’ cover free.

So, if you are looking for a budget-conscious way to protect your gadgets, finding our more here about gadget insurance may be a sensible use of a few minutes of your time.

Conditions and exclusions

Finally, the small print! All insurance policies carry conditions and exclusions. They may also state certain obligations that you, the policyholder, must meet in order for the cover to be valid. Whatever type of gadget insurance you are considering and for whatever purpose, it may be a good idea to read carefully all details of the policy to ensure that you understand them.

Our ‘Key Facts’ document contains details for our gadget insurance range of cover. In summary, for all the above cover types:

to be covered, electronic items must be less than 6 months old when cover commences and you must have evidence of purchase – we do not cover items purchased from online auctions;
the loss of, or damage to, accessories of any type is not covered;
reconnection costs or subscription fees are excluded;
any costs associated with replacing personalised ring tones, graphics, downloaded materials or software are not covered.

We also have individual specific terms and conditions that apply to each of the above gadget insurance categories and this includes details of the excesses. Once again, full details of these can be found in our onsite documentation.

Get a gadget insurance quote