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

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.)

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.

Gadgets can include:
Mobile Phones, Smart Phones, Laptops (including MacBooks or Custom Built laptops), Tablets, Digital Cameras, MP3 Players, CD/DVD Players, Games Consoles, Video Cameras, Camera Lenses, Bluetooth Headsets, Satellite Navigation Devices, PDAs, E-Readers, Head/Ear Phones, Wearable Technology (such as a Smart Watch or a Health and Fitness Tracker). Accessories are not included under this policy. Laptops (including MacBooks or Custom Built laptops) are not covered for Breakdown or Accidental Loss.