Best Gadget Insurance 2017

Phoebe McCrostie By Phoebe McCrostie

We've ranked the best gadget insurance companies based on the level of cover they offer and customer reviews. We've also compared their cover to highlight features that may help you make a decision about getting insurance.

Top 10 Gadget Insurance

  1. Protect Your Bubble
  2. Trusted Insurances Supercover
  3. Gadget Cover Supercover
  4. Helpucover Gadget and Mobile Phone Insurance
  5. Leisure Guard Gold
  6. i-Digital Premier
  7. Switched On Insurance Gadget Insurance Ultimate Cover
  8. Row.co.uk Mobile Phone & Gadget Insurance (Loss Cover)
  9. Loveit Coverit Premium
  10. Cover Cloud SmartPhone, Gadget and Laptop Insurance Elite

There are lots of gadget insurance providers out there and each of them has lots of cover options. Some of the important things to look for are accidental damage, theft, loss and breakdown.

Most of the gadget insurance policies in our top 10 include this cover as standard. You pay a little bit more for it but it's better than paying for insurance that offers no payout when you lose your phone or iPad.

We chose our top 10 gadget insurance policies based on real customer reviews, a score relating to the quality of cover from an independent financial services rating firm, and any awards a company has won, as opposed to which companies are cheapest.

Policies are rated by their customer reviews from websites like Reviewcentre and Trustpilot, which we think gives a sense of their reliability and trustworthiness.

Bought By Many has partnered with a gadget insurer called ZugarZnap that offers up to £2,000 for a number of gadgets, not just your phone, and includes accidental damage, theft and loss.

By using the group buying power of our members we've negotiated a 10% discount, which you can unlock for free by joining our gadget insurance group.

ZugarZnap is not included in our top 10 list of the best gadget insurance companies because it has not yet been rated by the financial services review company or on the customer sites we use to calculate the ranking.

Looking for mobile phone insurance in particular? Check out our guide to the best mobile phone insurance policies.

In this article

Gadget insurance comparison table

In the table below we compare the best gadget insurance policies, including looking at loss and worldwide cover and the maximum age the gadget can be. All of the policies in our top 10 include theft, accidental damage and liquid damage.

Most have no limit on the number of claims you can make but it's important you check whether your provider includes a limit.

It's important to consider the excess, this is the amount you will have pay if you make a claim. Although most of the insurers in the table below have similar excesses, there's still a big difference between £25 and £75, especially if you're getting cover for a cheaper phone.

Gadget insurance policy
Loss Cover
Worldwide Cover
Average age of gadgets (month)
Excess
Protect Your Bubble
Optional
Up to 90 days a year
18
£50, £75 or £100 depending on the gadget
Trusted Insurances Gadget Insurance Ultimate Cover
Up to 30 days a year
18 (36 for family bundle)£25, £50, £75 or £100 depending on device and claim
Gadget Cover Supercover
Optional
Up to 180 days a year
18
£50 or £75 depending on the type of gadget and claim
Helpucover Gadget and Mobile Phone Insurance
Up to 90 days a year
36
£50
Leisure Guard Gold
Optional
Up to 90 days a year
18
£25 or £50
I-Digital Essential Plus and Premier
Up to 90 days a year
24
£25 or £50
Switched On Insurance
Up to 90 days a year
36
£25-£150 depending on the value of gadget and type of claim
Row
Optional
Up to 90 days a year
12
£25-£75 depending on the value of gadget and type of claim (laptops may have a higher excess)
Loveit Coverit
Unlimited
36
£25, loss claims include an additional £25 excess
Cover Cloud
Up to 90 days a year
36
£25, £50 or £75

Gadget Insurance Reviews

Gadget Cover gadget insurance review

Gadget Cover is a fairly small UK company, offering insurance for phones, laptops and other gadgets. Its gadget insurance protects against theft, accidental damage, breakdown and liquid damage, with loss cover as an additional extra.

You can get a quote from Gadget Cover here.

Gadget Cover is rated 4 Star out of 5 by independent review site Defaqto. At the time of writing, Gadget Cover currently has a 7.3/10 rating for its mobile phone insurance on customer review site Trustpilot, based on over 700 reviews, and on Feefo it scores 4.4/5 from over 130 reviews over the past year.

Protect Your Bubble gadget insurance review

Protect Your Bubble gadget insurance offers cover for theft, accidental damage, breakdown and liquid damage, with loss cover as an additional extra.

At the time of writing, Protect your Bubble had a rating of 8.5/10 on Trustpilot based on over 14,000 customer reviews.

You can get a quote at the Protect Your Bubble website.

SwitchedOn gadget insurance review

Switched On's Ultimate Cover includes accidental damage, breakdown and malicious damage, theft and loss cover. It’s worth noting that theft and loss aren’t included in its more basic policies.

You can get a quote from Switched On here.

On customer review site Trustpilot, Switched On has a 4.5/10 rating for its insurance, based on over 50 reviews, and on Feefo it scores 4.5/5 from over 150 reviews in the past year.

i-Digital gadget insurance review

i-Digital offers three tiers of cover: Essential, Essential Plus, and Premier - the information in our table is based on i-Digital's Premier cover. i-Digital will cover gadgets against theft, accidental damage and breakdown under all three tiers, with loss cover available under Essential Plus and Premier.

i-Digital has a slightly lower excess than some of the other policies we looked at – £25-£50 depending on the type of gadget and claim.

Gadget Buddy gadget insurance review

The Gadget Buddy policy we reviewed includes cover against accidental damage, breakdown and malicious damage, theft and loss. Theft and loss aren’t included in its more basic policies.

Get a quote from Gadget Buddy here.

Gadget Buddy restricts its cover to gadgets up to 18 months old.

On Feefo it scores 93% from over 1,200 reviews.

CoverCloud Gadget Insurance Review

CoverCloud offers three tiers of gadget cover – Standard, Premier and Elite. Elite Cover protects against both theft and loss, as well as accidental damage and breakdown.

Unlike most other providers, CoverCloud allows you to choose your own level of excess, from £25, £50 and £75 per claim. The higher the excess, the lower your premium.

On customer review site Feefo, it scores 4.5/5 from over 150 reviews in the past year.

InsureMyPocket Gadget Insurance Review

Like many other gadget insure providers, Insure My Pocket offers three tiers of cover – Silver, Gold and Platinum. We focused on Platinum, which provides cover against theft and loss, as well as accidental damage.

Helpucover Gadget Insurance Review

Helpucover gadget insurance offers cover for theft, accidental damage, breakdown and liquid damage and loss.

Unlike the rest of the policies and providers we looked at, Helpucover offers a fixed price of £14.99 a month. The policy gives you a maximum of £1,500 worth of cover each year, and you can register an unlimited number of gadgets worth under £150 (such as cameras or sat navs).

Helpucover also has a fixed excess of £50 per claim.

Organic Protect Gadget Insurance Review

Organic Protect gadget insurance offers cover for theft, accidental damage, breakdown and liquid damage, with loss cover also included as standard.

Organic Protect will cover gadgets that are up to 36 months old. However, it does restrict claims to £1,000 and up to two a year.

InsureandGo Gadget Insurance Review

Insure and Go gadget insurance offers two tiers of cover – Standard and Elite. Elite includes protection against theft and loss as well as accidental damage and breakdown.

Like CoverCloud, Insure and Go gadget insurance allows you to choose your own level of excess.

Are you already covered under your home insurance?

Home insurance policies sometimes include gadgets as part of your home contents cover, which means that your laptop, phone or tablet could already be covered for theft from the home or if there’s a fire. If you have accidental damage cover, your gadgets may also be covered for accidental damage while they're in your house.

However, it’s important to note that your gadgets won’t be covered while you're out and about, unless you take out additional personal possessions cover.

It might not add much to your premium but be aware that the excess might be higher than with a specialist gadget insurance policy, and you may lose any hard-earned no claims discount if you make a claim.

See if your home insurance provider made it into our Top 10.

Common exclusions - don't get caught out!

Gadget insurers have come under fire recently for having exclusions that many people think would be covered under a normal policy.

Make sure you read the small print of any policy documents to avoid getting caught out. These are some common exclusions and qualifications:

  • Theft While you may think that theft cover would protect gadgets like your phone or laptop from all situations, some insurers specify that your gadget must be taken by force. So if your phone is stolen from your back pocket while you’re at a concert, for example, you might not be covered
  • Reasonable care Some companies may refuse your claim if you didn’t take ‘reasonable care’ for a claim of loss or theft – this might translate to leaving your phone or laptop on a train, or in a coffee shop. Always check the small print of any policy to check what’s covered under ‘loss’
  • Your gadget's age Insurers sometimes take a hardline, and won’t insure gadgets over a year old. If you've got something older, check out Protect Your Bubble, which insurers gadgets up to 36 months old

  • Proof of purchase Insurers will need proof of purchase if you make a claim in the form of a receipt or similar. This means that second-hand gadgets are unlikely to covered, and you’ll find it hard to get covered if you’ve lost your receipt
  • Delayed police report Some insurers specify that you must tell the police if your gadget is lost or stolen within a certain time. This is usually 24 hours, but sometimes can be as little as 12 hours
  • Water damage While some insurers include water damage as part of accidental damage, some don’t, so if you’re prone to dropping your phone down the toilet, be sure to check the small print

You could also check out our article about the Insurance T&Cs you wish you'd seen for more information.

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