Multi gadget insurance could save you money because you get a discount for covering several devices on one policy. For example, you could get a 5% discount on your premium for every gadget you add.

You can cover all the devices in your household on one policy, including gadgets that belong to family members.

If you only have one or two gadgets to insure, it may be cheaper to get separate policies.

Compare policies

Look for a multi gadget insurance policy that offers the cover you want at the cheapest price. Get as many quotes as possible and check:

  • Monthly cost: This is what you pay for your policy each month. This will be discounted if you insure several gadgets, and you may also get money off for paying in full.

  • Policy excess: This is how much you pay towards claims. Picking a policy with a high excess could help you pay less each month, but only choose an excess you can afford.

  • Maximum cover: This is the total amount you can claim for. Make sure the amount covers your gadgets if they were all damaged at the same time, e.g. in a fire.

Get the cover you need

Most policies offer cover for:

  • Mechanical breakdown

  • Accidental damage

  • Liquid damage

  • Loss

  • Theft

Look for a policy that offers cover for the number of gadgets you need to insure. Some policies provide unlimited cover but others restrict the number of gadgets you can add.

You may have to pay more for the cover you want, for example loss cover sometimes costs extra. Check the cover you want is included in the monthly price before you buy.