Insure My Gadgets

01608 647810

Protecting all your gadgets under one policy

Frequently Asked Questions

What is Mobile Phone & Gadget Insurance?

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.

Which Gadgets can I protect with Gadget Insurance?

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.

What is covered under the policy?

We offer three different plans, what these three plans cover is shown below.

Cover Essential Essential Plus Premier
Theft
Accidental Damage
Breakdown*
Accidental Loss
Malicious Damage
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
Digital Download Optional Optional

Terms and conditions apply so please ensure you read the policy wording before purchase.
*Breakdown cover does not apply to laptops.

What is the difference between each Plan?

Essential
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.

Essential Plus
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.

Premier
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.

  • All Plans include cover for Accessories such as battery chargers, carrying cases and hands-free mounting kits up to a combined retail price of £75 including VAT for each Gadget insured.
  • All Plans also include cover for use of our Gadget anywhere in the world up to a maximum of 90 days in total in any one single 12 month period.
  • Fraudulent Use cover under the Premier Plan is up to a maximum limit of £100 and cover will only apply to unauthorised calls made within 12 hours of discovery of the loss or theft of the phone.
  • We offer a short online application process to help you obtain your cover quickly and easily.
  • We offer an annual or a monthly rolling policy to give you maximum flexibility.

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.

How many Gadgets can I insure?

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.

Can I travel outside the UK for more than 90 days a year and maintain my 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.

Is there an age restriction on the items I can insure?

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.

Does my home insurance policy cover my Gadgets?

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.

What is my IMEI or Serial number and how do I find it?

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

When does my cover commence?

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:

  • 14 days after the start date of your policy
  • 14 days after any change to your policy in which you add a Gadget to your policy or replace a current insured Gadget – the exclusion period applies to the Gadget you add.

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.

If I choose to pay my premium monthly, do I need to renew the policy?

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.

How do I renew an annual policy?

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.

Can you change the policy cover or price?

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.

How can the policy be cancelled?

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.

How do I amend my policy?

If you wish to amend your policy to add, replace or remove any Gadgets please contact the policy administrator.

Who is the insurer?

Our Mobile Phone and Gadget Insurance is underwritten 100% at Lloyd’s by Syndicate 5820.

How soon will I receive all my policy documents?

We will email your policy documents immediately after purchase.

Can I insure my Gadget if I live outside the UK?

Unfortunately not, this policy is for Gadgets bought and used in the UK, the Isle of Man and the Channel Islands.

If I purchased my Gadget abroad can I have cover

No, the Gadget has to be bought in the UK, the Isle of Man or the Channel Islands.

Who can use my Gadgets?

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.

Whose Gadgets can I insure under my policy?

The Gadgets must be insured by the owner as shown on the proof of purchase whether that is an individual or business.

Can my Gadget be used for business purposes?

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.

Can I insure second hand Gadgets?

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.

What do I need to do to make a claim?

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:

  • Notify the claims administrator on 0844 875 1566 as soon as possible in any event of any incident likely to give rise to a claim under this insurance;
  • Report the theft or accidental loss of any mobile phone or PDA, within 24 hours of discovery to your Airtime Provider and blacklist your handset;
  • Report the theft or accidental loss of any Gadget to the Police within 24 hours of discovery and obtain a crime reference number in support of a theft and a lost property number in support of an accidental loss claim;
  • Provide details of the claim and any other contract, guarantee, warranty or insurance that may apply to the loss including but not limited to household insurance. Where appropriate a ratable proportion of the claim may be recovered direct from these Insurers.
  • Provide original proof of purchase of the Gadget or digital downloads for which you are claiming. This shall include any receipts, documents or any other proof of purchase that is reasonable for us or the claims administrator to request.

Will my Mobile Phone or Gadget be replaced or repaired if it's damaged?

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.

Is there an excess fee?

There is a policy excess applicable to each and every claim (this is the amount you must contribute towards the claim).

  • If your claim is for a laptop, there is a £50 excess fee for each claim.
  • If your claim is for a Smart Phone, there is a £50 excess fee for each claim.
  • For all other items, there is an excess fee of £25 for theft / damage claims and £50 for accidental loss claims.

Claims for digital downloads carry an additional excess of £25 for each claim.

How to set up the App

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.

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