Travel Insurance & Gadget Cover

What is gadget cover travel insurance?

When you’re packing for your next holiday, you’re likely to have your phone, tablet, camera and earphones on your list. All these gadgets and electronic items will likely have cost you a lot over the years, so what would happen if someone stole your laptop? Or if your kindle is accidentally dropped in the pool? Having gadget cover on your travel insurance is always a great extra comfort blanket if you’re going abroad, so should anything happen to your belongings you know you’ve got the cover to replace them when you come home.

Why do I need it?

We love a good holiday abroad each year, but what most people aren’t aware of is that your standard travel insurance probably doesn’t include gadget cover, or it won’t cover the more expensive stuff, like laptops and high-spec cameras. Usually, you’ll be covered up to a certain price limit and you may have to pay your excess to claim for them. So if you’re taking quite a few gadgets, cover for them is definitely worth looking at.

What does it cover?

Usually your insurer will cover most electronic devices and handheld technology. If you’re unsure if a specific gadget you have will be covered then it’s best to get in contact with the insurer before you take out the policy, to be 100% certain it will be covered.

Items that are usually covered include:

• Mobile phone (smartphone / iPhone)
• Laptop
• iPad / Tablet
• Digital Camera / Camera Lenses
• iPod/ MP3 Players
• Games Console
• Kindle / e-reader
• Sat Nav
• DVD Play
• Bluetooth headsets
• Headphones / Earphones

What are the different types of gadget cover?

There are 3 main types of cover when it comes to gadget travel insurance:

• Liquid damage: most of our tech items aren’t waterproof (if only!) so when you’re on the beach, or by the pool it’s good to know that if your device gets water spilled on it then your insurance provider will cover the cost.
• Accidental damage: if your gadget gets accidentally damaged whilst travelling then your provider should cover the costs of the repair.
• Theft: if your tech belongings are stolen then your travel insurer should replace them, or the missing parts.

How do I add gadget cover to my policy?

When getting a quote on our site, all you have to do is make sure you click on the Gadget Cover button to make sure this is included in your quote results. 

When comparing quotes, you could also use our handy filter to only compare those policies that have gadget cover included – letting you compare the price, gadget and medical cover all at once.

What’s excluded from my gadget cover?

Gadget cover doesn’t cover absolutely everything, so it’s just important to look at what is excluded as part of this cover. These usually include:

• Number of claims – most insurers will only let you make a certain number of claims within a particular length of time.
• Age of your tech – the gadget must be less than 4 years old for example.
• UK only gadgets – your insurers may not protect you for tech bought outside the UK.
• Number of items – if you take any additional gadgets that aren’t already included on your cover you won’t be protected for these.
• Manufacturing Issues – if there’s a problem with your device due to manufacturing faults you will not be covered for this.
• General wear and tear – you won’t be covered for lack of maintenance.
• Viruses – if your device catches a virus whilst on holiday you won’t be covered for this by your provider, so make sure you’ve sorted the antivirus protection yourself.
• Data – if you loose or damage the data on your phone then your insurer will not pay out for this, so make sure you back everything up!
• Cosmetic damage – you won’t be able to claim for scuffs and bumps on your travel insurance.

Tips for travelling with gadgets

• Leave you gadgets in your hotel if you don’t need them, it’s better they’re in a locked safe in your hotel room.
• Back everything up before you leave, just in case.
• Protect your stuff, get covers, cases and screen protectors to make sure your devices stay in top condition.
• Turn off your data roaming on your phone if you don’t have a romancing contract, otherwise you could get some pretty hefty bills. If you’re not sure what contract you have then check with your network provider before you go.
• Don’t forget to bring your chargers and any accessories your gadgets needs. You might also need a plug adapter too.

Compare travel insurance with gadget cover

The easiest way to get a deal on your gadget travel insurance is to compare lots of different providers all at once. That’s where we come in. We can help you compare multiple providers with your special medical requirements filtered into the results.

So why not have a little look and grab a quote today? Just don’t forget to click the gadget cover button too.