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Before you buy gadget insurance you should check if you’re already covered. Home contents insurance often covers personal possessions or accidental damage to gadgets. Your policy details should say if you’re covered or not.
Manufacturer warranties will pay for repairs or replacements if your gadget stops working. This could save you money if you’re not worried about accidental damage, theft or loss.
Some bank accounts include cover for mobile phones and other gadgets. So it's also worth checking this before you buy.
Gadget warranties only cover mechanical failure. You won’t be covered for accidental damage.
Yes. You’ll need to provide proof of purchase for your gadgets if you make a claim.
Yes, your gadgets can’t be more than 3 years old at the start of your policy. Some insurers will only cover gadgets up to 1 year old.
You can insure second-hand gadgets if they’re less than 3 years old at the start of your policy. You’ll need to provide proof of purchase.
Each insurer has different criteria for refurbished or used gadgets. So make sure you read the policy details by clicking ‘more info’ on the results page.
Your gadgets must be undamaged and in full working order before you buy a policy.