Best Gadget Insurance 2016

Phoebe McCrostie By Phoebe McCrostie

Insuring your gadgets can protect against accidental damage, as well as from theft, loss and breakdown. Gadget insurance can be pretty affordable and prevents you having to fork out money for a replacement or repairs.

In this article

Top 10 Gadget Insurance

  1. Gadget Cover Supercover
  2. Protect Your Bubble
  3. Switched On Insurance Gadget Insurance Ultimate Cover
  4. i-Digital Premier
  5. Gadget Buddy Your Gadget Insurance Gold
  6. Cover Cloud SmartPhone, Gadget and Laptop Insurance Elite
  7. Insure My Pocket Mobile Device Insurance - Platinum Cover
  8. HelpuCover Gadget and Mobile Phone Insurance
  9. Organic Protect Mobile Phone and Gadget Cover
  10. InsureandGo Gadget Insurance - Standard

There are lots of gadget insurance providers out there and each of them has lots of cover options.

We chose our top 10 gadget insurance policies based on real customer reviews, as well as independent reviews of the quality of the cover from a financial services rating firm, as opposed to which providers are cheapest.

Those that made our top 10 are rated either 4 or 5 stars out of 5 by Defaqto, meaning that they "represent one of the best quality offerings in the market".

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

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

Gadget insurance comparison table

Have you recently bought a new phone? Or maybe given a loved one a tablet at Christmas or given your student son or daughter a laptop? The gadgets we own are a huge part of our lives. Not only are they expensive to buy, but they also cost a lot to repair or replace if something happens. Here is our comparison of the policies featured in our Top 10:

Policy
Theft Cover?
Accidental Damage Cover?
Loss Cover?
Liquid Damage Cover?
Worldwide Cover?
Maximum age of gadgets (months)
Maximum number of claims/year
Excess
Gadget Cover Supercover
Optional
Up to 90 days a year
36
Unlimited
£25-£75 depending on the type of gadget and claim
Protect Your Bubble
Optional
Up to 90 days a year
18
Unlimited
£25-£75 depending on the value of gadget
Switched On Insurance
Up to 90 days a year
18
Unlimited
£25-£75 depending on the value of gadget and type of claim
i-Digital Premier
Up to 90 days a year
24
Unlimited
£25-£50 depending on the type of gadget and claim
Gadget Buddy Your Gadget Insurance Gold
Optional
Up to 90 days a year
11
2 per section
£25-£75 depending on the type of gadget and claim
Cover Cloud SmartPhone, Gadget and Laptop Insurance Elite
Up to 90 days a year
18
3
Customer can choose from £25, £50, £75 – higher the excess, lower the premium
Insure My Pocket Mobile Device Insurance - Platinum Cover
Up to 21 days a year
12
Unlimited
£35 for accidental damage/breakdown; £75 for loss/theft
HelpuCover Gadget and Mobile Phone Insurance
Up to 90 days a year
36
2
£50
Organic Protect Mobile Phone and Gadget Cover
Up to 90 days a year
36
2
£50
InsureandGo Gadget Insurance - Standard
Up to 90 days a year
12
2
Customer can choose from £25-£100 – higher the excess, lower the premium

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 5 stars out of 5 by independent review site Defaqto, which means it is "an excellent product with a comprehensive range of features and benefits". At the time of writing, Gadget Cover currently has a 6/10 rating for its mobile phone insurance on customer review site Trustpilot, based on 210 reviews, and on Feefo it scores 88% from 1,678 reviews.

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.

Unlike most other providers, Protect Your Bubble will cover gadgets that are up to 36 months old. It also offers unlimited claims.

Protect Your Bubble is rated 5 stars by independent review site Defaqto. At the time of writing, Protect your Bubble had a rating of 8.7/10 on Trustpilot based on 12,629 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.

Switched On mobile phone insurance is rated 5 stars by independent review site Defaqto, making it "an excellent product with a comprehensive range of features and benefits". On customer review site Trustpilot, Switched On currently has a 6/10 rating for its mobile phone insurance, based on 210 reviews, and on Feefo it scores 99% from 584 reviews.

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 most of the other policies we looked at – £25-£50 depending on the type of gadget and claim.

i-Digital’s Premier gadget insurance has a rating of 5 stars by independent review site Defaqto. On customer review site Reviewcentre, i-Digital has a 3/5 rating for its mobile phone insurance, but that is based on 2 reviews.

You can join our gadget insurance group for free to get an exclusive 22% discount from i-Digital.

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 11 months old, so it's better for devices you've recently bought new.

Gadget Buddy insurance is rated 4 stars out of 5 by independent review site Defaqto, making it "a product with a good level of features and benefits". On Trustpilot Gadget Buddy has a 6/10 rating for its mobile phone insurance, based on 210 reviews, and on Feefo it scores 93% from 1,225 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. However, Elite does not apply to laptops, they can only be protected against damage and theft, not accidental loss.

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.

CoverCloud gadget insurance is rated 4 stars by independent review site Defaqto. On customer review site Feefo, it scores 94% from 178 reviews.

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.

Insure My Pocket gadget insurance is rated 5 stars by independent review site Defaqto, which means it is "an excellent product with a comprehensive range of features and benefits". We couldn't find any customer reviews online for Insure My Pocket.

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.

Helpucover gadget insurance is rated 5 stars by independent review site Defaqto.

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 2 a year.

Organic Protect gadget insurance is rated 5 stars by independent review site Defaqto, which means it is "an excellent product with a comprehensive range of features and benefits". Organic Protect doesn’t have any customer reviews online.

InsureandGo Gadget Insurance Review

Insure and Go gadget insurance offers two tiers of cover – Standard and Elite. The information in our table is for Elite, which 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, from £25, £50, £75 and £100 per claim. The higher the excess you choose, the lower your premium.

Insure and Go gadget insurance is rated 4 stars by independent review site Defaqto, making it "a product with a good level of features and benefits". Insure and Go doesn’t have any customer reviews for its gadget policies, but general reviews on Trustpilot for all of its insurance services give it 9.1/10 based on 9,242 reviews.

Are you already covered under your home insurance?

Home insurance policies sometimes include gadgets as part of your home contents, 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 they'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 sneaky 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 always need proof of purchase before insuring your gadgets, in the form of a receipt or similar. This means that second-hand gadgets are unlikely to covered, and you’ll definitely 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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