AT A GLANCE
Category Home Cover type Personal gadget insurance Cover start date Confirmed after acceptance Typical decision Instant or manual review Payment options Monthly or annual
WHAT DOES IT COVER?
The gadgets we can’t live without
In today’s digital world, gadgets have become an essential part of everyday life, helping us stay connected, productive and entertained. From laptops that support our work and studies, to smartphones that keep us in touch with loved ones and tablets that bring entertainment to our fingertips, our devices play an important role in how we live and work. As we rely on our gadgets more than ever, it makes sense to protect these valuable companions. Whether it’s an accidental knock, a technical fault or an unexpected mishap, gadget insurance can provide reassurance when things don’t go to plan. Offering support when you need it most, it helps keep the devices you depend on safe and secure.
WHO IT CAN HELP
What is gadget insurance?
Gadget insurance is designed to help protect the devices we rely on every day, from smartphones and laptops to tablets, smartwatches and other personal technology. Our gadgets help us stay connected, entertained and productive and gadget insurance can provide cover for unexpected events such as accidental damage, breakdowns, theft or loss, helping to reduce the stress and cost of replacing or repairing a device. As gadgets become increasingly important in our personal and professional lives, having the right protection can offer valuable peace of mind and help get you back up and running as quickly as possible.
BENEFITS
What are the benefits of gadget insurance?
Gadget insurance offers a range of financial and practical benefits. If you need to make a claim, it can help cover the cost of repairs or replacements without affecting your home insurance policy. This means you can avoid potential increases to your home insurance premium while keeping your valuable devices protected. Many gadget insurance policies also come with lower excess fees than standard home insurance and provide fast repairs or replacement devices. That means less time without the technology you rely on every day, whether it’s your phone, laptop, tablet or smartwatch. With gadget insurance in place, you can enjoy peace of mind knowing help is available when the unexpected happens.
WHAT DOES IT COVER?
What does gadget insurance cover?
While cover varies between providers, gadget insurance can protect your devices against a range of everyday problems, including:
• Accidental damage — cover for accidents such as cracked screens, drops, liquid spills and other unintended damage.
• Theft — protection if your device is stolen, helping with the cost of a replacement.
• Loss — some policies cover lost devices, giving you extra peace of mind when you’re on the move.
• Mechanical breakdowns — help after the manufacturer’s warranty has expired.
• Worldwide cover — many policies protect your devices when travelling, whether you’re on holiday or away for work or study.
• Fast repairs and replacements — helping you get back up and running quickly and reducing disruption to daily life.
• Unauthorised calls and usage — some policies may cover costs incurred if a stolen phone is used before it can be blocked.
Need a quote?
Getting a quote for gadget insurance is quick and straightforward, thanks to our experts at Protect Your Family. You’ll need to provide key details about the devices you’d like to cover, including the type of gadgets, their value and how you use them.
Start your application
SHOULD I GET GADGET INSURANCE?
Gadget insurance is a great option for anyone who relies on technology in their day-to-day life — which, let’s face it, is most of us! Whether you’re a student keeping coursework on a laptop or iPad, a busy professional managing important contacts and documents, or simply someone who uses their phone for everything from banking to staying in touch with family and friends, our gadgets play a huge role in everyday life. They also often contain some of our most valuable information, which is why gadget insurance can give you extra peace of mind if the unexpected happens.
WHAT MAY NOT BE COVERED
What isn’t covered by gadget insurance?
• General wear and tear.
• Cosmetic damage that doesn’t affect how the device works.
• Faults caused by misuse or neglect.
• Devices that have been modified.
• Devices used for business purposes, unless included in the policy.
• Incidents where reasonable care hasn’t been taken.
• Devices outside policy age or value limits.
• Accessories such as chargers or cases, where excluded by the policy.
WHAT TO EXPECT WHEN YOU APPLY
How do I get a gadget insurance quote?
You’ll need to provide some key details about the devices you’d like to cover, including the type of gadgets, their value and how you use them. You may also be asked about where your gadgets are kept, who uses them and the level of protection you’re looking for. You’ll need to share some personal details to help tailor your policy, such as your contact information and any other details required by the insurer. Having this information ready makes it easier to find cover that suits your needs so our team can protect your gadgets.
FAQS
What kind of gadgets are covered?
Gadget insurance can cover a wide range of electronic devices, including smartphones, laptops, tablets, digital cameras, smartwatches, games consoles, video cameras, sat navs and e-readers.
Is there a limit on the number of gadgets I can insure at once?
You can choose to insure one gadget or several, depending on the policy you select. Simply provide details of each device you’d like to cover and our experts will help find available options.
Who can take out gadget insurance?
Any UK resident aged 18 years can take out a gadget insurance policy through Protect Your Family. Gadget owners under the age of 18 are advised to ask a parent or carer to purchase a policy on their behalf.
Do I need gadget insurance?
If you’d struggle to afford the cost of repairing or replacing an important device, gadget insurance could be worth considering. It can provide extra reassurance if you rely on your gadgets every day.
How much does gadget insurance cost?
The cost depends on the value of your gadgets and the level of cover you choose, including protection for issues such as accidental damage, water damage, theft or loss.
Is there a chance my gadgets are already covered?
You can specify individual items to include in your home contents cover, so it is worth checking your policy details before you proceed with purchasing an individual gadget insurance policy. Additionally, if your gadget is under warranty, this could protect you in case of any mechanical breakdowns — though not for accidental damage or theft.
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