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Comparing gadget insurance - what you will need ready

Britons and their gadgets are becoming increasingly inseparable. With smartphones and tablets being must-have accessories on the go, you can easily find yourself carrying £1000+ worth of gadgets.

With gadget insurance you can cover a single item or a bundle of devices under one policy, including:

  • Mobile phones
  • Laptops
  • Cameras/camcorders
  • Tablets/e-book readers
  • Smartwatches/wearable devices
  • Games consoles
  • Sat navs

Do you need gadget insurance?

If you’ve ever dropped your smartphone, you’ll know how delicate they are and how costly they can be to repair or replace. And if you’re carrying your phone or other devices daily basis there’s every possibility they could get lost, stolen or damaged.

While some home insurance policies cover gadgets taken out of the home, this often isn’t the most convenient or economical option for protecting your mobile phone or other devices. In many cases, excesses on home insurance policies can cost between £100 to £300 per claim.

Furthermore, if you’re on a home contents insurance policy with a no claims discount then bundling in gadgets that are easier to lose or damage such as mobile phones and tablets could put that in jeopardy.

Meanwhile, standalone gadget insurance could start from £1.50 per month depending on the value of the device, with excess typically charged at around £25 to £75 per claim.

Gadget insurance guides

What to look for in a gadget insurance policy

When you compare gadget insurance policies, there are a few important factors to consider:

Excess — The excess is the amount you pay towards a claim. If you took out gadget cover with a £50 excess and claimed for loss of a mobile phone worth £500, for example, your insurer would pay out £450. Policies with higher excesses might be cheaper, but it's worth considering how much you'd be willing to pay out in the event of a claim.

Cover level — Check the maximum level of cover, especially if you plan to insure a high-end device (although many policies include unlimited maximum cover). It's also worth checking whether your specific device is covered, as some policies may only cover devices up to a certain age, for example.

Worldwide cover — As the name suggests, worldwide cover will cover your gadgets anywhere in the world. This can be useful when you go on holiday, as the gadget cover offered in travel insurance policies can have low limits and the excess is typically higher.

Other features – Check whether the policy covers all the eventualities you want to be protected against, such as accidental damage, cracked screen, liquid damage, loss, theft, and cover for accessories.

Multi-device cover — You can get single cover for just a few pounds, but some insurers offer cover for multiple devices, which could be cheaper than taking out multiple policies. You could also consider a family bundle policy to cover all the gadgets in your household.

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