• >
  • Gadget insurance

Compare gadget insurance

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

6 results found, sorted by affiliated products. How we order our comparisons. Commission earned affects the table's sort order.
Sort
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
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

Compare another type of gadget insurance

Last updated: 17 August 2020

What is gadget insurance?

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.

Do I need gadget insurance?

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.

What am I insured for if I cover my gadget?

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.

What items can electronic gadgets insurance cover me for?

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:

  • Smartphone

  • Laptop

  • Camera

  • Tablet

  • eReader

  • Games console

  • Smartwatch.

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.

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

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.

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 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.

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 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:

  • Mobile phones

  • iPads, tablets and eReaders

  • Laptops

  • MP3 players

  • Smartwatches

  • Cameras

Find out more about multi device insurance.

How can to save money on gadget insurance?

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.

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 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.

Here's how to decide what cover's right for you.

Are there any exclusions I should be aware of?

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.

How do I compare gadget insurance?

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.

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.

Proud to be award winning

We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.