Gadget insurance

Compare gadget insurance[1] to get the cover you need

What is gadget insurance?

Gadget insurance provides cover for items including mobile phones, laptops, cameras, tablets, music players, eReaders and GPS devices, which can be extremely expensive.

If something does happen to your gadgets, you should ask yourself whether you could afford to replace them.

If the answer to the above is no, then think seriously about getting gadget cover.

Father and son looking at the computer while relaxing on the sofa

What does gadget insurance cover?

Every policy is different but a good one will cover your gadgets for damage, theft and loss. Exactly what you’re protected against will be in the policy docs - have a read so you know what you’re buying.

The more common types of cover include:

Theft & accidental damage

Gadgets can be very appealing to thieves, so cover in case they get stolen is a must. Dropped your phone and have a cracked screen? Accidental damage cover will help, provided the damage affects how the device functions.

Mechanical breakdown and water damage

In the event of mechanical damage, if your warranty runs out and your gadget dies, or if your device is damaged as a result of liquid, your device should be repaired or replaced under your policy.

Worldwide or International cover

This is basically travel insurance for your devices and will cover you when abroad within certain territories, and provided you’re not abroad for more than four consecutive weeks. Damage to a device whilst travelling in a territory against the Foreign, Commonwealth and Development Office (FCDO) advice may invalidate your cover.

Unauthorised call cover

If your phone has been stolen, this type of cover means that you won’t have to pay the bill for any phone calls made once it’s been thieved. This is usually up to a certain amount.

Extended warranty cover

This element of cover allows you to extend the period of any warranty you have for your device allowing you to get a replacement for a broken/faulty device.

48-hour guaranteed replacement

Can’t live without your smartphone? You never have to for very long if your policy includes this.

Gadget cover exclusions

There’ll be exclusions and limitations in your policy. For instance the device may only be covered up to three years old - if your gadgets are older than that, you wouldn’t be able to claim. Wear and tear won’t usually be covered either.

Some policies may exclude cover under the following circumstances:


You may not be covered when the item has been left in your car but not out of sight - it should be left in your boot or glove compartment. You may not be covered for accidental loss if you’re not clear of the time or place you lost it.


You may not be covered if your gadget is stolen from your home/work if the gadget isn’t locked away (for example, you may have to prove forced entry should your gadget be stolen from your home).

Claims within the first 14 days

Some policies won’t accept a claim within the first 14 days, either of a policy starting, or within 14 days of a policy amendment. Make sure you check your policy wording carefully to help understand what is and isn’t covered.

Manufacturer warranty

You will be unlikely to claim on your gadget insurance for a fault if your device is still under warranty.

Proof of purchase and police reference number

To claim on your insurance, you must be able to provide proof of purchase. If your device is stolen, you need to report it as soon as possible and get a police reference number.

Compare gadget insurance the easy way

Find the right gadget cover for your tech at the right price. Compare quotes from us that’ll cover your most important gadgets.

  1. Getting started

    Choose the devices that you want to cover and tell us some details about you, like your name, address and email. You’ll also be asked when you purchased the device.

  2. Choose the type of cover you want

    Choose the type of cover you want for example accidental damage or theft, your excess and whether you want to pay monthly or in full.

  3. Get the cover you need

    Choose the best option for you.

Compare gadget insurance


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Page last reviewed: 06 December 2022