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Compare gadget insurance

Compare insurance policies that can cover your gadget for things like accidental damage, breakdown, loss or theft.

  • Compare cover for phones, laptops & much more
  • Get worldwide cover with trusted providers
  • Choose annual or monthly cover

Compare gadget insurance from leading providers

You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.

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How to compare gadget insurance quotes

1

Enter your details

Choose the devices you want to cover and fill out a few personal details, such as your name and address. It’s fast, free and easy.

2

Choose the type of cover you want

Select the kind of cover you want – for example, accidental damage or theft – then choose your excess and whether you want to pay monthly.

3

Select the cover you need

Once you’ve reviewed and chosen your policy, simply pick the best gadget insurance quote for you and apply.

Gadget insurance deals

6 results found, sorted by affiliated products. How we order our comparisons. Commission earned affects the table's sort order.
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Use code MONEY15 for 15% off. T&Cs apply.
Arma Karma Gadget Insurance
Policy details
Maximum cover: £1,500, Excess: from £35
Cover options
Accidental damage, breakdown, theft & loss
Monthly cost
From £1.99
Arma Karma Gadget Insurance
Get instant and affordable cover from multi award-nominated insurtech, Arma Karma. Our flexible monthly insurance subscription lets you update and cancel at anytime with no fees, as well as discounts for a multi-item policy. Rated excellent on TrustPilot.
Eligibility
Minimum Age18 years
Permanent UK Resident
2 MONTHS FREE when you buy annual gadget cover
Switched On Insurance Gadget Insurance
Policy details
Maximum cover: £3,000, Excess: from £50
Cover options
Accidental damage, breakdown, theft & loss
Monthly cost
From £3.50
Switched On Insurance Gadget Insurance
Offering great value cover across a huge range of gadgets our cancel anytime policies provide immediate protection, unlimited claims, fast repairs, and replacements, plus 24/7 online claims. Rated Excellent on Trustpilot (Mar 21). T&Cs Apply.
Eligibility
Minimum Age16 years
Permanent UK Resident

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:

  • smartphones

  • laptops

  • cameras

  • tablets

  • e-readers

  • games consoles

  • smartwatches

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.

What am I insured for if I cover my gadget?

With most gadget insurance, providers protect you against:

  • Theft: gadgets can be appealing to thieves, so getting cover will protect you if your gadgets are stolen

  • Loss: if you lose your phone outside your home, your gadget insurance could cover you

  • Accidental damage: your insurance could cover you if you drop your phone and crack the screen

  • Mechanical breakdown: if your gadget dies after your warranty runs out (this comes with the very best gadget insurance policies)

  • Water damage: this will cover you if you drop your gadget in water

Are there any exclusions I should be aware of?

All gadget insurance policies have different exclusions, so read yours carefully. Here are a few examples of the types of exclusion you might see:

  • Loss of information: it's unlikely that the information stored on your gadget, such as music photos or videos, will be covered

  • Second hand: you might not be covered if your device is second hand as many providers will require you to have purchased the gadget yourself

  • Wear and tear: you might not be covered for general wear and tear, such as scratches or dents, which appear on your gadget over time and do not stop it from working

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:

  • mobile phones

  • iPads, tablets and e-readers

  • laptops

  • MP3 players

  • smartwatches

  • cameras

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:

Cover options

Consider what you need to protect your gadgets against, then find a policy that offers this sort of cover. You might have to pay extra for extras such as loss or theft cover.

Monthly cost

Costs vary depending on how many gadgets you insure, what cover you have, and the excess you choose. Look for the lowest cost option after you’ve decided what cover you need.

Maximum cover

The maximum is cover is the most an insurer will pay for any single item on your policy. Check how much your gadgets cost and find a policy that will pay out enough for you to replace them if you need to claim

Excess

The excess is how much you pay towards each claim you make. You can usually choose how much you’re willing to pay. The monthly cost is higher if you have a low excess. Think about what you’re prepared to pay towards claims, and look for a policy that offers this

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 quickly will my insurance provider be able to help me?

Every insurer is different. Some of the best gadget insurance companies might send you a replacement device within 24 hours. This fast service can be great for businesses that depend on certain gadgets, such as phones or laptops.

If you think it would be very important to get a device replaced quickly, look out for this feature when you compare gadget cover.

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.

Gadget insurance FAQs

About our gadget insurance comparison

Explore gadget insurance guides

What is gadget insurance?

If your gadget breaks or gets stolen, a specialist insurance policy can cover the cost of repair or a replacement. Here is how gadget insurance works and how to get the right cover.

Read More

Should you get gadget insurance?

If you worry about the cost of replacing your gadgets if they are damaged or stolen, a gadget insurance policy could save you money. Here is how to decide if you need gadget insurance.

Read More

How to claim on your gadget insurance

If one of your gadgets is lost, stolen or damaged, your insurance could help you cover the cost of replacing it. Here is what you need to know about claiming on your gadget insurance.

Read More

Why compare gadget insurance with money.co.uk?

By comparing gadget insurance you could save money on the policy. The best value gadget insurance will offer you the cover you need, at a price you can afford. Choose a cover plan from the best UK insurance companies and see the online discounts they offer.

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Last updated: 25 May, 2022