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Gadget Insurance

Insure your gadgets against theft, accidental damage, breakdown and accidental loss

What is this type of Insurance?

This cover meets the demands and needs of those who wish to insure their gadgets against theft, accidental damage, and breakdown and, for mobiles phones, tablets and smartwatches; accidental loss. This is not a replacement as new policy. Your gadget will be repaired, if possible, and replaced with a like for like refurbished model.

What is insured?
  • Theft
  • Accidental damage
  • Accidental loss (mobiles, tablets and Smart watches only)
  • £150 Accessory Cover
  • Unlimited worldwide cover
  • Electrical Breakdown Cover
  • Liquid Damage
  • Business / family cover
What is not insured?
  • Loss of data or software.
  • Accidental damage caused by: – you deliberately damaging, intentionally leaving, or neglecting the gadget. Or costs relating to servicing, inspection, maintenance or cleaning; or – any cosmetic damage.
  • Theft – Theft from any motor vehicle where you or someone acting on your behalf is not in the vehicle, unless the gadget has been concealed in a locked boot, closed internal compartment. • Theft from any building or premises (including your home or workplace) unless the theft involves force in gaining entry to or exit from the building or premises, resulting in damage to the building or premises. • Theft when away from your home, or when in your home with invited guests / tradesmen or other people; unless the gadget is concealed on or about your person when not in use, or it is stored in a locked room or secured receptacle (such as a locked safe, locked locker or closed desk drawer; • Theft where your gadget was in the possession of a third party (other than a member of your immediate family) at the time of the event giving rise to a claim under this insurance; or • Theft where the gadget has been left unattended when it is away from your home 
  • Accidental Loss – • The loss of gadget(s) other than your mobile phone or tablet or smart watch; • The loss of a SIM card; or • Any loss where the circumstances of accidental loss cannot be clearly identified.
  • Breakdown Cover – We will not cover any breakdown for laptops. Repair or other costs for: – routine servicing, inspection, maintenance or cleaning; – wear and tear or gradual deterioration of performance;
  • This policy does not insure gadgets purchased outside UK
  • The insured gadget should be working and in good condition when the policy is taken out-Gadgets must be less than 48 months old
  • You, must be able to provide evidence of ownership in the event of a claim.

Cover applies throughout the territorial limits of the policy and is also automatically extended to include use of the gadgets anywhere in the world for any trip. No cover is provided for claims where you are travelling to a country where the Foreign and Commonwealth Office (FCO) have advised against all but essential travel. You can check the FCO travel advice at


CALL: 01706 509239


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