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Gadget insurance

Learn more about gadget insurance

What is gadget insurance?

Gadget insurance protects a range of electronic, portable items. It covers repairs or replacement costs if your gadget is accidentally damaged. You can cover your phone, laptop, tablet, game console and more.

You can also take out extra cover for loss and theft. Gadgets can be expensive. Gadget insurance can save you paying for a replacement if yours is damaged.

Before buying gadget insurance, check if you’re already covered by your home contents insurance policy. This often covers personal possessions or accidental damage to gadgets.

Your policy details should say if you’re covered or not. You may also have cover with your bank, or credit card company, so it’s worth checking these policies too.

Your gadgets’ manufacturer warranties will also cover mechanical failure, but you won’t be covered for accidental damage.

What does gadget insurance cover?

Accidental damage is usually included as standard in most gadget insurance policies. If your gadget’s accidentally damaged, this should cover repairs or replacement.

Each company’s insurance policy differs. Be sure to check the policy details.

Most policies will cover:

  • Accidental damage caused by you or any other person which wasn’t deliberate
  • Liquid damage against spillages or water damage
  • Breakdown if your gadget simply stops working with no obvious damage caused
  • Cracked screens for damage to the screen that affects the normal use of your gadget
  • Accessories that are damaged, stolen or lost at the same time as your gadget
  • Malicious damage against intentional or deliberate damage caused by someone, not including you or your immediate family
  • Theft or loss can be added at an extra cost

What doesn’t gadget insurance cover?

It depends on the insurer and policy you choose. So it’s best to check the individual policy exclusions before you go ahead and buy a policy. Generally, most policies don’t cover:

  • Theft or loss (unless you buy additional cover)
  • Gadgets over 3 years old
  • Items valued over £1,500
  • Cosmetic damage that doesn’t affect the functionality of the gadget
  • Damage caused by a third party
  • Gadgets without proof of purchase

Need more help?

Are my gadgets already covered?

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.

Do I need gadget insurance if I still have a valid warranty?

Gadget warranties only cover mechanical failure. You won’t be covered for accidental damage.

Do I need the receipts for my gadgets?

Yes. You’ll need to provide proof of purchase for your gadgets if you make a claim.

Is there an age limit on the gadgets I can insure?

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.

Can I insure my second-hand gadgets?

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.

Do my gadgets need to be in perfect condition?

Your gadgets must be undamaged and in full working order before you buy a policy.