Protecting all your gadgets under one policy
Mobile Phone & Gadget Insurance is a cost effective way to insure your mobile phones and other electronic equipment both inside the home and whilst you are out and about. It’s only when something goes wrong and we have to replace these products that we understand the true value of our every day Gadgets.
Almost any Gadget can be insured. We cover smart phones such as iPhones, other Mobile Phones, Laptops, Netbooks, Mac Book, PDAs, iPads and other Tablet devices, Sat Navs, Game Consoles, iPods and other MP3 players, Digital Cameras and Lenses, Video Cameras, Bluetooth Headsets, Kindles and other ereaders. Digital Cameras and Lenses are insured individually as separate items. We also offer to insure your digital downloads purchased by you and downloaded from the internet on to the Gadget you insure. Often the value of these downloads can be more than the value of the Gadget on which they are stored.
We offer three different plans, what these three plans cover is shown below.
|Fraudulent Call Use||Limit £100|
|Accessories||Limit £75||Limit £75||Limit £75|
|Worldwide Cover||up to 90 days||up to 90 days||up to 90 days|
|Limit per Gadget||£500||£750||£1000|
Terms and conditions apply so please ensure you read the policy wording before purchase.
*Breakdown cover does not apply to laptops.
Each Gadget is insured up to £500 for Theft, Accidental Damage and Breakdown with a maximum claims limit of £1,000 in any one year. You also have the option to include cover for your digital downloads held on the equipment you insure should you irretrievably lose these. Downloaded material may include music, games, videos, apps, ebooks or any other software you have downloaded for a fee.
In addition to the cover provided by our Essential Plan, Essential Plus includes cover for Accidental Loss of your Gadgets. Also, each Gadget is insured up to an increased limit of £750 and the maximum amount you can claim in any one year is £1,500. Again, you have the option to include cover for your digital downloads.
Our highest level of cover which automatically includes all of the benefits of our Essential Plus Plan as well as Malicious Damage and Fraudulent Use of your phone should it be lost or stolen. Cover for your digital downloads is a standard feature of this Plan. The claims limit for each Gadget is £1,000 and the maximum amount you can claim in any one year is £2,500.
It's important to read the policy documents and understand what's covered and when. When you go through our online quote system you will be given the opportunity to read these before you commit to taking out a policy.
You can insure a single Gadget or up to five items under the same policy.
If you want more than 5 Gadgets covered you can take out any number of policies. The important thing to remember is that you or your employer must own the Gadgets (as shown by the proof of purchase) in order to take out the insurance.
Cover is extended under all Plans to include use of the insured Gadget anywhere in the world but only up to a maximum of 90 days in any single 12 month period. Cover will only apply outside the UK up to 90 days but not beyond that time.
The item must be less than 36 months old from the date it was purchased as new (12 months for Laptops) at the time the insurance is first purchased.
If your home insurance policy includes ‘Personal Belongings’ insurance away from the home or ‘All Risks Cover’ you should check whether it covers your Gadgets. Normally items under Personal Belongings or All Risks Cover will only be covered for theft or accidental damage but not for breakdown. The excess on a home insurance policy may also be higher than our policy excess.
The IMEI (International Mobile Equipment Identification) number is unique to your mobile phone or smart phone handset. It can be obtained by dialling *#06# on your phone and your IMEI number will be displayed. Other Gadgets will have a unique serial number which you should be able to find on the Gadget itself, your instruction manual or stated on your proof of purchase
There is an initial 14 day period during which, if your Gadget is stolen, lost, damaged or breaks down, you will not be able to claim and this is called the “exclusion period”. The exclusion period is:
Please note that if you have an annual policy the exclusion period will only apply when you first take out the policy. If you renew your annual policy in 12 months time, the exclusion period will not re-apply at renewal.
There is no need for you to instruct us to renew the policy. If you select monthly rolling periods of cover, the insurance will continue by periods of one month at a time on receipt of each monthly premium which is collected by the policy administrator by Direct Debit.
We will automatically renew your policy when it expires, unless you advise us otherwise. You will be contacted up to 30 days before the annual renewal date and we will tell you about any changes to the premium or the policy terms and conditions. Annual premiums are collected by the policy administrator by Credit or Debit card.
If you have an annual policy, we would only change the cover or price at your next annual renewal date. You will be contacted up to 30 days before the annual renewal date and we will tell you about any changes to the premium or the policy terms and conditions.
If you have a monthly rolling policy, you will receive at least two months notice if we decide or need to change your policy cover or price. Should we make a change to the cover or price we will not make another change for at least six months.
Cooling off period
You may cancel the insurance, without giving reason, by sending written notice to the policy administrator and returning the insurance documents within 14 days of it starting or (if later) within 14 days of you receiving the insurance documents. You will receive a full refund of all premium paid provided that no claim has been made and you do not intend to make a claim.
Cancellation after the cooling off period
If you pay your premium monthly on a monthly rolling basis there will be no refund because you will have only paid for the cover you have already received.
If you have an annual policy for which you pay an annual premium once a year then provided no claim has been made you will receive a proportionate refund of the annual premium less an administration fee equal to 25% of the annual premium with a minimum fee applying of £10.
To cancel your policy, please write to the policy administrator.
We may cancel the policy by giving you 30 days written notice sent to your last known address. If you have an annual policy for which you have paid the full annual premium we will make a proportionate refund of the premium paid.
If you wish to amend your policy to add, replace or remove any Gadgets please contact the policy administrator.
Our Mobile Phone and Gadget Insurance is underwritten 100% at Lloyd’s by Syndicate 5820.
We will email your policy documents immediately after purchase.
Unfortunately not, this policy is for Gadgets bought and used in the UK, the Isle of Man and the Channel Islands.
No, the Gadget has to be bought in the UK, the Isle of Man or the Channel Islands.
You, your immediate family or an authorised user.
Please look at the policy carefully as conditions apply. However, immediate family means, if you are an individual, your mother, father, son, daughter, spouse, domestic partners who permanently resides with you. The policy must be taken out in your name and you must own the Gadget (as shown by the proof of purchase). There is no age limit on who may use the Gadget.
If the policy is owned and has been taken out by a business (firm, company or partnership), authorised users are registered employees or students who have been given your express permission to use the Gadget.
The Gadgets must be insured by the owner as shown on the proof of purchase whether that is an individual or business.
Yes, all Gadgets are covered for both business and personal use. However, if the Gadget is owned by a business (firm or partnership) the insurance must be taken out in the name of that business and as a registered employee you must have your employer’s express permission to use the Gadget.
Our insurance provides cover for Gadgets which are no more than 12 months old at the time of purchasing insurance. If you have purchased your Gadget from a recognised store and it is a second hand Gadget or one that has been refurbished, we need to see the original proof of purchase to show it is not more than 12 months old and where it was purchased. Please note we do not accept proof of purchase from any auction website like Ebay or personal classified ad site such as Gumtree for either the original purchase or any subsequent purchase.
Please comply with the following procedures as failure to do so may invalidate your claim.
You, the authorised user or an immediate family member must:
This depends on the extent of the damage, the availability of parts and/or replacements, the value of the item and the cost of a replacement. Every case will be assessed individually.
Should we determine that the Gadget needs to be replaced following a valid claim, if it cannot be replaced with an identical Gadget of the same age and condition, we will replace it with one of comparable specification or the equivalent value, taking into account the age and condition of the original Gadget.
There is a policy excess applicable to each and every claim (this is the amount you must contribute towards the claim).
Claims for digital downloads carry an additional excess of £25 for each claim.
We've noticed you are using a PC/Mac. To use the App you must download it whilst you are using a mobile device.
You can however get an online quote for instant cover.×