What is covered by the optional gadget cover add-on?

Allen Last updated:

We’ll cover your gadgets, worldwide (subject to territorial limits), up to £2,000 (total maximum claim but can be spread over multiple items or a single item.)

To add our optional gadget cover, you’ll need to choose our comprehensive policy and then select the gadget cover add-on.

Please note: This is covered as standard on our signature policies.

Here’s what’s included with our optional gadget cover, on top of the standard personal belongings cover:

Accidental damage:

We will arrange a repair if Your Gadget is damaged as a result of an accident or malicious damage. If Your Gadget cannot be repaired, We will replace it.

Theft:

If Your Gadget is stolen, We will replace it. Where only part or parts of Your Gadget have been stolen, We will only replace that part or parts.

Accidental loss:

If You lose Your Gadget, We will replace it. Please note laptops are not insured for Accidental Loss.

Breakdown:
If Your Gadget suffers electrical Breakdown which occurs outside of the manufacturers guarantee / warranty period, then We will repair it. If Your Gadget cannot be repaired, We will replace it. This cover is not available on laptops.

Unauthorised call/data use:

Unauthorised Call/Data Use If Your mobile phone is lost or stolen and is used fraudulently, We will reimburse You for the costs upon receipt of Your itemised bill, up to a maximum value of £2000. This includes calls, messages, downloads and data made / used from the time it was lost or stolen up to a maximum of 24 hours from discovery of the incident.

Liquid damage:

If Your Gadget is damaged as a result of accidentally coming into contact with any liquid, We will repair it. If it cannot be repaired, We will replace it.

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