Last updated: 02/12/2024
CoverCloud provides gadget insurance you can rely on. From smartphones to iPads and from laptops to digital cameras we give your gadgets the cover you need.
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Insurance2go was set up in 2007 and is the trading name of Loyal Insurance Services Ltd:
Established in 2011, buymobilephoneinsurance.com is a trading name of Buymobilephone-Ins Ltd.
We’re a gadget and mobile-phone insurer that love our customers and go above-and-beyond to provide excellent cover and the friendly face of insurance. With over 1 million insurance policies sold and 30 years industry experience, our outstanding rating with Trustpilot says it all when it comes to our world-class level of service.
Insure more than one gadget for a 10% discount, visit our website now for a free instant quote.
Switched On Insurance is a brand of Taurus Insurance Services. We are a leading provider of lifestyle insurance and have been operating in the UK for 15 Years.
HiddenApp is an anti-theft mobile device monitoring, tracking, and theft-recovery app for Apple and Windows devices. Think of Find My iPhone on steroids! Available in the App Store and through HiddenApp.com.
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DisclaimerThe list of gadget insurance providers on this page is a selection of services available and gives you an idea of the kind of options available. You can find out more about the individual products by visiting any of the providers listed. All information is subject to change without notice. Please check all terms before making any decisions. This information is intended solely to provide guidance and is not financial advice. Moneyfactscompare.co.uk will not be liable for any loss arising from your use or reliance on this information. If you are in any doubt, Moneyfactscompare.co.uk recommends you obtain independent financial advice.
Most personal electronic devices can be insured by gadget cover, including:
Note that this isn’t an exhaustive list, and all insurers will be different in terms of the gadgets they will and won’t cover. It’s important to compare policies thoroughly so you can be sure your particular device will be financially protected.
Every policy is different, but typically speaking, the best gadget insurance will cover the cost of repair, replacement or reimbursement of your device against the following:
You’ll want to make sure that your policy includes cover when outside the home, and the very best gadget insurance policies will include worldwide cover as well, which can be ideal if you travel a lot. If you’re specifically looking for mobile phone cover, check that the policy includes cover for unauthorised phone calls as well.
However, note that some insurers will charge extra for certain types of cover – some basic policies won’t cover loss as standard, for example – while others will let you create a package that’s tailored to your needs. This is why performing a thorough gadget insurance comparison is essential before you make your decision, ensuring you’ve got the level of cover that’s right for you.
As with all kinds of insurance, there will be certain things that are excluded from your policy. The specifics will depend on the insurer, though some common exclusions are:
Bear in mind that some providers won’t insure a phone that’s over six months old, and others won’t insure models with a screen that’s over a certain size. Nearly all will require proof of purchase for any device you’re looking to insure as well, so make sure to have it to hand.
You may already have a certain amount of protection through other financial products, such as your home insurance or even your current account. Some packaged current accounts include gadget or mobile phone insurance as an additional perk, though make sure to check the level of cover, excess and claims rules (some will only allow you to make one claim in a year, for example).
Bear in mind that most electronic devices will come with some form of warranty as well, though this will usually only be for a short space of time, and will typically only cover mechanical breakdown. Things like accidental damage and loss/theft won’t normally be covered, so it may be worth investing in a basic gadget insurance policy if your device would cost a lot to repair or replace.
The cost of gadget insurance in the UK will depend on a number of factors, including:
As a ballpark figure, electronic device insurance can cost anywhere from £1.50 per month to £15+, though this will vary depending on the provider. You may want to see if you can get a discount for paying annually rather than monthly, and always shop around to make sure you’re getting the best deal. You can use our chart to start your gadget insurance comparison and see the kind of prices on offer.
Most travel insurance policies will offer some form of gadget cover, but it may be limited. For example, mobile phones will typically be covered against loss or theft, but not for water damage or electronics failure. You may be able to include one or two gadgets, but only up to a certain value, so if you’re taking an expensive laptop, smartphone and DSLR camera on holiday, it may be preferable to source a standalone policy.
In some cases, your phone may already be covered by your home insurance, but it’s important to check the policy wording carefully. If your device is particularly high-value then your home insurance cover may not be sufficient, and you may not be covered against accidental damage or damage caused outside the home. The excess can often be high as well, and claiming could impact your no-claims bonus, which may mean it isn’t worthwhile.
It’s unlikely that a gadget insurance policy will insure second-hand devices, though you may have some form of cover through your contents insurance.