|Minimum Age||18 years|
|Permanent UK Resident|
|Minimum Age||16 years|
|Permanent UK Resident|
Last updated: 17 August 2020
Gadget and tech insurance covers your belongings including mobile phones, laptops, cameras, tablets and eReaders.
Most of us carry around a mobile phone at all times these days. But most of us still don't have gadget insurance.
You might be covered for some gadget problems through your existing insurances. But it won't give you full cover. Most of the time, you won't be covered for accidental damage, for example. So it's a good idea to double check your existing policies and see what you get. Then you can think about whether gadget insurance would be worth having.
Most of us have had some kind of accident with our phones in the past. Perhaps you've cracked your screen or dropped your phone in the bath. If you have, you'll know that phones aren't cheap to repair or replace. That's where gadget insurance can come in handy.
A good way to decide if you need tech insurance is to ask yourself: "Could I afford to replace my gadget if something happened to it?" If you couldn't, you should think about taking out gadget insurance.
But, before you do, don't forget to check your existing policies. Your contents or travel insurance might give you some cover. Or your packaged bank account might offer some gadget insurance cover.
It's important to check whether the gadget insurance cover offered by your existing policies is enough for your needs. You should also look at what kind of excess you'd have to pay because sometimes it can be much higher than it would with gadget insurance. UK providers of dedicated tech insurance are likely to offer a lower excess than for home insurance.
With most gadget insurance, UK providers protect you against:
theft - gadgets can be appealing to thieves
loss - if you lose your phone outside your home
accidental damage - such as if you drop your phone and crack the screen
mechanical breakdown (this comes with the very best gadget insurance policies) - this is if your warranty runs out and your gadget dies
water damage - if you drop your phone in water.
Wear and tear isn't usually covered.
If you've got something that you use a lot, rely on, or spent a lot of money on, you can protect your gadget with gadget insurance.
The best gadget insurance can cover almost all gadgets. Here are some examples:
Some insurers will only give you home gadget insurance if your gadgets are less than six months old, so check the policy carefully. The best gadget insurance provider for you might need to offer more flexibility, so shop around if you need to.
It depends on your specific small gadget insurance policy. They all have different rules.
Sometimes gadget cover doesn't let you make a claim until a certain time period has passed since you took the policy out. Check the details of each gadget insurance policy when you do a gadget insurance comparison to make sure you have found the best gadget insurance policy for you.
Every insurer is different. Some of the best gadget insurance companies might send you a replacement gadget within 24 hours. This fast service can be great for businesses which depend on certain gadgets such as phones or laptops.
If you think it'd be very important to you to get a quick gadget replacement, you can look out for this feature when you compare gadget cover.
Yes. If you've got lots of gadgets in your house, you can get an umbrella policy to insure them all at once.
Multi gadget insurance can be a good gadget insurance 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. For example, if you have two gadgets you could get a 10 per cent discount.
You can add the following devices to one gadget insurance policy:
iPads, tablets and eReaders
As with any insurance, it's more important to get the right level of cover than it is to find cheap gadget cover. But, of course, you want to find the best value gadget insurance that meets your needs.
By shopping around for the right policy, you'll be able to save money. The gadget cover comparison above includes a range of gadget insurance policies, and you can use it to find the best cover for you at the cheapest price.
If you find cheap gadget cover then make sure you do your research before you go ahead. Read the policy carefully and check the gadget cover reviews to make sure you're happy with level of cover you're being offered. Gadget insurance reviews are a good way to see what experiences others have had with specific insurers.
Use this comparison to find the best gadget insurance cover at the best price. Get as many quotes as possible and compare gadget insurance quotes.
When you compare gadget insurance, it's a good idea to think about the following to help you make your decision.
Cover options: Think about what you need to protect your gadgets against. Then find a policy that offers this sort of cover. You might have to pay extra to add things like loss or theft, so make sure you have the cover you need.
Monthly cost: This is how much you pay for your insurance each month. It varies 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: This is the most an insurer will pay for any single item on your policy. So check how much your gadgets cost and find a policy that'll pay enough money for you to replace them if you need to claim.
Excess: This is how much you pay towards each claim you make. You can usually choose how much you're willing to pay. You'll find the monthly cost's 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.
All gadget insurance, UK wide, will have different exclusions. So you'll need to read your policy carefully.
Here are a few examples of the types of exclusion you might see:
Loss - you might not be covered if you left your gadget on display in your car
Theft - you might not be covered if your gadget's stolen from your home when it wasn't locked away
Manufacturer - you might not be covered for fault's if your device is still under warranty
Proof of purchase - to make a claim, you'll need a receipt or other proof of purchase.
To compare gadget insurance is surprisingly simple.
First, decide which devices you want to insure. Then decide on which type of cover you want. Finally, compare gadget insurance quotes to find the best value gadget insurance for your needs.
It depends on whether loss is included in your policy. Some insurers include it automatically, but you may need to pay extra cover it.
Some insurers may repair your gadget, or provide you with a new one that is similar but not an exact match. Check if new for old cover is included.
No, you can only insure gadgets you buy brand new or gadgets that have been refurbished to the manufacturer's standards.
Yes, most policies include up to 90 days of cover anywhere in the world.
We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.
You do not pay extra and it does not affect the deal you get.
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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