Why take out gadget mobile phone insurance?
- Covers an individual item up to £1,000
- Automatically includes 45 days worldwide cover
- Cover for theft, accidental damage and mechanical breakdown
- Optional accidental loss cover
What does the gadget & mobile phone insurance cover?
Our gadget & mobile phone insurance is designed to protect you if your gadget or mobile phone is accidentally damaged, lost or stolen. It also provides cover if your gadget or mobile phone
suffers a mechanical or electrical breakdown outside of the manufacturer's guarantee period.
Theft: We will replace your gadget/mobile phone, if it is stolen.
For example, it may be stolen from your property following a break-in or from your person i.e. a mugging.
Accidental Loss (Optional): If you accidentally lose your gadget/mobile phone then we will replace it if you have selected this cover For example your
phone may fall out of your pocket.
Accidental Damage: We will repair or replace your gadget/mobile phone if it suffers accidental damage.
For example, you may accidentally drop your gadget in a puddle.
Cracked Screen: We will repair or replace your gadget/mobile phone if it accidentally suffers damage to the screen.
For example, you may drop your phone or tablet.
Liquid Damage: We will repair or replace your gadget/mobile phone if it accidentally suffers liquid damage.
For example you may accidentally spill water on your gadget.
Breakdown (up to £500): We will repair or replace your gadget/mobile phone if it is damaged as a direct result of an electrical or mechanical
breakdown which occurs outside of the manufacturers guarantee period.
Malicious Damage: We will repair or replace your gadget/mobile phone, if it is damaged as through the intentional or deliberate actions of anyone
other than you or a member of your immediate family.
Unauthorised use (up to £250): If your mobile phone/ gadget is accidentally lost or stolen and the loss or theft is covered by your policy, we will
refund the cost of unauthorised calls, texts or downloads made after the time it was lost or stolen up to a maximum of £250 (£20 if you have a “pay as you go” mobile phone). Cover will only apply to
unauthorised usage taking place within 24 hours of discovery of the loss or theft.
Accessories: If your claim for your gadget/mobile phone is approved, we will replace any accessories that were accidentally lost, stolen or damaged at
the same time as your gadget/mobile phone, up to a maximum of £150.
45 Days Worldwide Cover: We will cover your gadgets/mobile phone that you take out of the United Kingdom for up to 45 days whilst you are abroad
during any period of insurance.
NB: Please note a replacement or repair can only be dealt with once you return to the United Kingdom, the Channel Islands or the Isle of
30 Day Cooling Off Period: You have a 30-day cooling off period, in which you can cancel the policy for a full refund, providing that no claims
have been made and there are no claims pending on the policy.
Who can buy this insurance?
Any person who is aged 18 or over and a permanent resident in the United Kingdom, the Channel Islands or the Isle of Man.
Is there an age limit?
Yes, your gadget or mobile phone must be less than 36 months old.
Important: Your gadget or mobile phone must have been purchased within the United Kingdom, the Republic of Ireland, the Isle of Man or the Channel Islands, and must have been
manufactured to a UK specification.