Featured gadget insurance providers

Last updated: 02/12/2024

  • Cover Cloud

    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.

    • Instant cover for all your gadgets
    • 12-month warranty on all replacements
    • Backed by AXA - No 1 global insurance brand
    • No limit on claims while you're insured with us
    • Worldwide cover included
    • Protect your phone or gadget against: accidental damage, liquid damage. breakdown, theft, loss*, unauthorised calls.

    *Only available for Elite cover options on mobile phones, tablets and smartwatches.

  • Nova Direct

    Special Offer - Enter code ND15GAD for 15% Discount 

    • Annual cover from £52.99 (Silver) or £5.50 per month (Gold)
    • Mechanical Breakdown, Accidental Damage, Screen Damage, Worldwide Cover and Theft covered as standard
    • 5 levels of cover to choose from with a list of over 400+ gadgets to choose from
  • Insurance2Go

    £10 OFF all annual phone policies - Use Code: PHONE10OFF

    Insurance2go was set up in 2007 and is the trading name of Loyal Insurance Services Ltd:

    • Mobile phone insurance from £2.99 /MONTH
    • Great value protection for mobile phones, tablets and laptops with a claims service you can rely on
    • Full cover includes loss, theft, damage and more
    • Instant protection and unlimited claims
    • 93% of claims accepted
    • Cover for your new and refurbished devices
    • Personal and Business policies available
  • Buy mobile phone insurance

    Established in 2011, buymobilephoneinsurance.com is a trading name of Buymobilephone-Ins Ltd.

    • Loss, Theft & Accidental Damage with our Full Cover
    • Instant cover for all your devices
    • UK-based insurance company & customer service
    • New & Refurbished gadgets up to 36 months old are covered
    • Worldwide cover
    • Immediate family covered whilst using your gadget
    • 14-day cooling-off period
  • loveit coverit

    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.

    • Friendly UK customer service
    • In partnership with AXA
    • Multi-gadget discount
    • 12-month replacement warranty
    • Unlimited claims and repairs
    • 14-day money back guarantee

    Insure more than one gadget for a 10% discount, visit our website now for a free instant quote.

  • Switched On

    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.

    • No Limit on Claims
    • 48 Hour Replacement
    • Overseas Cover
    • No Impact on Home Insurance
    • Multi-Gadget Discount
    • Like-for-Like Replacement
    • Warranty on Replacements
    • Gadgets up to 18 Months Old
    • Use by Immediate Family (Any Age)
    • Cancel Cover at Anytime
    • 14-Day Cooling Off Period
  • HiddenApp - Insurance Alternative

    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.

    • Ultra-accurate location tracking
    • Discover your device’s exact location and view it on Google Maps.
    • iSight photos
    • Gather evidence using iSight to capture thieves on camera.
    • Screenshots
    • Find out what your missing device is being used for with screenshots of on-screen activity.
    • Network data
    • Discover the name of the network your device is connected to, the proximity to the router and the IP &
    • Mac address so you can track it to an exact physical address.
    • Key logs
    • Collect information about the keys that have been used whilst your device is missing.
Note

Links to third parties on this page are paid for by the third party. You can find out more about the individual products by visiting their site. Moneyfactscompare.co.uk will receive a small payment either if you click the links or if you use their services after you click through to their site. All information is subject to change without notice. Please check all terms before making any decisions.

Disclaimer

The 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.

Gadgets that can be insured

Most personal electronic devices can be insured by gadget cover, including:

  • Smartphones
  • Laptops and tablets
  • Digital cameras
  • Smartwatches and fitness trackers
  • Wireless earbuds
  • Games consoles
  • Satnavs

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.

What does gadget insurance cover?

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:

  • Loss or theft
  • Accidental damage, including cracked screens and liquid damage
  • Mechanical failure or breakdown (if your device is out of warranty)

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.

What isn’t covered?

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:

  • Cosmetic damage
  • Damage that’s already covered by the manufacturer’s warranty
  • Loss or damage where you didn’t take proper care of your device
  • The contents of your device (such as photos or software)

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.

Are my gadgets already covered?

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. 

How much is gadget insurance?

The cost of gadget insurance in the UK will depend on a number of factors, including:

  • The value of the gadget you’re looking to insure.
  • The number of gadgets you want covered. You may only want to insure a single device, or you could have two or more devices that you’d like to include. While this will increase the cost overall, there may be discounts available for those who insure several gadgets under a single policy.
  • The level of cover. Some insurers will offer a basic level of cover and will charge for optional extras, whereas others will offer a more comprehensive package as standard, but usually at a higher price.
  • The excess. Typically speaking, the higher the excess, the cheaper the policy, but make sure it isn’t too high. If it is, you could end up spending a lot in the event of a claim anyway, which could make the policy far less beneficial. Find out more by reading our guide to insurance excess.

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.

Image of Leanne Macardle

Leanne Macardle

Freelance Contributor

FAQs

Does travel insurance cover gadgets?

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.

Does home insurance cover mobile phones?

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.

Can you insure second-hand devices?

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.

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