Compare gadget insurance

What is gadget insurance?

Gadget and tech insurance covers electronic devices such as mobile phones, laptops, cameras, tablets and e-readers.

If you’ve ever cracked your phone’s screen or dropped it in the bath, you’ll know that phones aren’t cheap to repair or replace. That’s where gadget insurance can come in handy.

You might be covered for some gadget problems with your existing insurance, but it won’t give you full cover. Most of the time, you aren’t covered for accidental damage, for example. Double-check your existing policies and see what they cover, then think about whether gadget insurance is worth having.

What items can electronic gadgets insurance cover?

If you’ve got an electronic device that you rely on, use a lot or have spent a lot of money on, you can protect it with gadget insurance.

The best gadget insurance covers almost all electronic devices, such as:

Some insurers only give you home gadget insurance if your devices are less than six months old, so check the policy carefully. You might need more flexibility, so shop around if necessary to find the best provider for you.

Can you get multi-gadget insurance?

Yes. If you’ve got lots of gadgets in your house, you can get an umbrella policy to insure them all. Multi-gadget insurance can be a good option if you’ve got a family of tech lovers. It can be cheaper because most insurers offer a discount when you add more than one gadget to your policy. 

You can add the following devices to one gadget insurance policy:

Find out more about multi-device insurance.

Do I need gadget insurance?

A good way to decide if you need tech insurance is to ask yourself whether you could afford to replace your device if something happened to it. If you can’t, you should think about taking out gadget insurance.

Don’t forget to check your existing policies. Your contents or travel insurance might give you some cover, as might your bank account package.

Check whether the gadget insurance cover offered by your existing policies is enough for your needs. Also, look at the excess you’d have to pay because it can be much higher than with dedicated gadget insurance.

Shop around to find the best gadget insurance

Use this comparison to find the best gadget insurance cover at the best price. Get as many quotes as possible and compare them.

Think about the following to help you make your decision:

Here’s how to decide what cover is right for you.

How do I compare gadget insurance?

First, decide which devices you want to insure. Then decide on which type of cover you want. Finally, compare quotes to find the best value gadget insurance for your needs.

When can I make a claim on my small gadget insurance?

It depends on your specific policy; they all have different rules. Sometimes gadget cover doesn’t let you claim until a certain time has passed since you took out the policy. Check the details of each gadget policy when you compare to make sure you have found the best one for your needs.

How can I save money on gadget insurance?

It’s more important to get the right level of cover than it is to find a cheap gadget policy, but you’ll want to find the best value gadget insurance that meets your needs.

By shopping around, you can save money. The gadget cover comparison above includes a range of policies, and you can use it to find the best cover for you at the lowest price.

If you find cheap gadget cover, do your research before going ahead. Read the policy carefully and check reviews to make sure you’re happy with the level of cover offered. Reviews are an excellent way to see what experiences others have had with specific insurers.