We’ve ranked and reviewed the best gadget insurance to help you find the right cover in 2021.
The best gadget insurance companies
These are some of the leading gadget insurance providers in the UK:
How we created our list of the best gadget insurers
Rather than use the rating of price alone on our policies, we examined other contributing factors that would affect their overall value for money. To do this we collected information from our insurers about:
- The type of cover levels from each provider
- The extent of the policy and its cover limits
- Customer feedback
We outlined a number of minimum requirements that we felt offered the best insurance for customers. We’ve only included insurers with:
- Loss, theft, and accidental damage cover included as standard
- A minimum of 90 days’ cover for trips abroad
- Full cover for mechanical breakdown of gadgets
- At least a 4 out of 5-star rating on either Trustpilot or Review Centre
Other factors we considered for our list included:
- Accessories cover is preferable, including cover for cases and earphones
- Optional E-wallet cover should your device be lost or stolen and unauthorised transactions are made
- Cover for unauthorised usage on your device (calls, texts and data)
In this guide
- What does gadget insurance cover?
- Do you need gadget insurance?
- Are your gadgets already included in your home insurance?
- How much does gadget insurance cost?
- Common exclusions
- Gadget insurance reviews
What does gadget insurance cover?
Gadget insurance covers the cost of repairing or replacing your gadgets if they’re lost, damaged or stolen. Not all insurance options are included as standard, so it’s worth checking your prefered policy before you buy to make sure it includes everything you’ll need. Some features include:
- Loss — If you lose your gadget, chances are you’re going to need a replacement fast. To ensure you get your gadget as quickly as possible, make sure to send any paperwork over that might help.
- Theft — Gadgets can be very appealing to thieves, so it’s important to make sure you’ve got the proper cover in case it’s stolen. Some insurers may ask for a criminal refer report in order for your claim to advance.
- Accidental damage — Accidents can happen. If you're prone to dropping your phone and have cracked the screen — providing the damage affects how the device works — then you’ll need accidental damage cover .
- Mechanical breakdown — If your gadget develops a mechanical fault, this cover will help to repair or replace the item.
- Unauthorised usage — Should your gadget be stolen and unauthorised usage such as text, calls or data is used, then you’ll be reimbursed for the costs.
- Liquid damage — One of the most common incidents that can happen to any gadget, liquid damage can affect the circuit board and its components.
- Accessories cover — If your gadget is stolen and it was connected to accessories (e.g. a phone charger), then you’ll be reimbursed for the accessories that are stolen.
- International trips — Some insurers won’t cover your gadgets when you travel abroad. Make sure that all your gadgets are covered for the period of time that you travel.
What type of gadgets do they cover?
Gadget insurance can cover a wide range of products. These include:
- Mobile phones
- iPads and tablets
- Games consoles and accessories
- Smartwatches and Fitbits
- Cameras and photography equipment
- Sat navs and GPS systems
- Kindles and E-readers
Looking for mobile phone insurance in particular? Check out our guide to the best mobile phone insurance policies.
Do you need gadget insurance?
Gadget insurance can give you peace of mind if you’re prone to accidents or use your gadgets daily. Although contents and travel insurance may have certain levels of gadgets, protection is often low and isn’t sufficient enough to protect your expensive gadgets.
Consider the price of the gadgets you own and ask yourself:
- Are you prone to damaging or misplacing your gadgets?
- Could you afford to replace your gadgets with the same make and model?
- Are your gadgets covered under any other insurance policies?
However, many home insurance policies offer certain levels of cover for specific gadgets. It’s important to check that your games console, for example, isn’t already covered under this insurance as it could increase your premium. See: Are you already covered under your home insurance?
Gadget insurance would allow you to claim without impacting your home insurance prices. If you were to claim on your home insurance for a lost or broken gadget, which is much more likely to happen in comparison to claiming for flood damage, your home insurance would be likely to increase.
Are your gadgets already covered under home insurance?
Some home insurance policies include gadgets as part of your home contents cover. Essentially, your laptop, tablet, or phone may already be covered for theft from the home, accidental damage and fire.
However, due to this, this means that your gadget won’t be covered while you’re out and about unless you take out additional possessions cover on top of your home insurance.
Find out if your home insurance policy covers gadgets with our best UK home insurance companies review.
How much does gadget insurance cost?
As with all gadget insurance providers, it’s challenging to make generalisations about policy costs. However, this is how much some gadgets on Loveit Coverit cost to cover per month (correct as of July 2021):
- Apple Ipad 8 (2020) 32GB + WIFI — £4.79
- Microsoft Surface Laptop 3 13.5" i5 128GB — £6.99
- Sony Playstation 5 — £4.00
- Samsung Galaxy Watch 3 41mm — £5.99
Recently, gadget insurers have come under fire for having exclusions that many people think would be covered under a normal policy. Make sure you read the T&C’s of your policy document to avoid getting caught out. Some common exclusions are:
- Non-violent theft — Some insurers specify that your gadget must be taken by force to qualify as theft. So, if it’s stolen out of your back pocket while you’re out at a concert, you may not be covered.
- Reasonable care — Some insurance companies may refuse your claim if you didn’t take ‘reasonable care’ of your gadget when you claim for loss or theft. Essentially, if you leave your laptop in a coffee shop or your phone on a table outside, this may void your policy.
- Your gadget’s age — If your gadget is over a certain age, many insurers won’t insure you. Mainly, if it’s over a year old.
- Proof of purchase — If you make a claim on your insurance, your insurer will need proof of purchase in the form of a physical receipt or an online e-receipt. This means that second-hand gadgets are unlikely to be covered.
- Delayed police report — If your gadget is stolen or lost, many insurers state that you must inform the police within a certain time frame. These times can range from 12 to 24 hours.
- Water damage — While some insurers include water damage under accidental damage, some don’t. If you’re prone to dropping your phone down the toilet or in the bath, you’ll want to check the T&C’s of your policy to check if it’s covered.
Gadget insurance reviews
loveit coverit gadget insurance review
Loveit Coverit offers two levels of cover: Plus and Premium.
Loveit Coverit's premium policy covers accidental damage, theft and loss anywhere around the world. It also includes £10,000 authorised usage cover and accessories cover for up to £175. They also provide unlimited repairs and replacements on all insurance policies and offer a 12 month warranty on replacements.
They offer a 10% discount when you insure more than one device. You can get a direct quote from Loveit Coverit here.
However, they don’t provide cover for certain iphones and mobile phones as this comes under their phone insurance.
AXA underwrites loveit coverit’s Premium insurance policy. On the customer review site Trustpilot, loveit coverit currently has a 4.8 out of 5 stars rating with an overall percentage of 84% of customers rating the service as “Excellent”. However, these ratings are based on all of loveit coverit’s insurance policies including gadget, mobile phone and iPhone insurance (true as of June 2021).
Row gadget insurance review
ROW offers gadget insurance cover that includes liquid damage, mechanical breakdown and accidental damage. They also offer repairs for cracked screens and provide unlimited repairs and 24-hour replacements.
International trips of up to 90 days within one year are also covered with their gadget insurance as well as unauthorised usage of up to £1,000 for texts, calls and data.
They score 4.4 out of 5 on the user review website Trustpilot, based on 739 reviews. 74% of customers rated their experience as “Excellent” (true as of June 2021).
CoverCloud gadget insurance review
Backed by insurance giant AXA, CoverCloud covers your gadget should it be stolen, lost or accidentally damaged. They also offer up to £10,000 cover for unauthorised usage including texts, calls and data, as well as unlimited international travel cover.
They also offer cover for:
- Liquid damage
- Mechanical breakdowns
- Accessories cover up to £150
While you’re insured with CoverCloud there’s no limit on the number of claims you can make. They also offer instant cover if your gadget is less than 60 days old and a 12 month warranty on all replacements.
CoverCloud has a rating of 4.4 out of 5-star on Trustpilot. Of the 244 reviews, 71% state that their service was “Excellent” (correct as of June 2021).
Protect Your Bubble gadget insurance review
Protect Your Bubble provides gadget insurance that protects you against accidental damage, liquid damage and mechanical breakdown as standard. They’ll also protect you for international trips and cover for theft should the worst happen.
They also offer loss cover as an optional added extra for their standard protection which starts at £1.50 a month per item.
Scoring 4.2 out of 5 on Review Centre, it states that 88% of users would recommend this service. They also earned 4.3 stars on Trustpilot with an overall rating of “Excellent” based on over 18,700 reviews (correct as of June 2021).
SwitchedOn gadget insurance review
Switched On's Ultimate gadget insurance covers you against accidental damage, theft, loss and mechanical breakdown.
They also offer accessories cover up to £250 if they’re damaged, stolen or lost at the same time as your gadget. This includes:
- Protective cases
- Carrying cases
- Hands-free mounting kits
Switched On is also one of the few providers that offer E-wallet protection. If your gadget is lost or stolen, they’ll refund any unauthorised payments made from your credit or debit card from your gadget up to £500.
Switched On has a high rating of 4.6 on Trustpilot based on 1,744 reviews (correct as of June 2021). On the reviewer website Review Centre, Switched On has a rating of 1.8 out of 5 stars however this is based on 18 reviews.
Leisure Guard gadget insurance review
Leisure Guard’s Gold gadget insurance covers you for up to 3 repair claims, including one replacement per gadget that is registered. They also protect you against theft, accidental and liquid damage, as well as the breakdown of your gadget and liquid damage to accessories.
Some other features include:
- Up to £100 cover for unauthorised data, texts and calls made from your gadget
- 90 days cover for international trips
- Malicious damage
They scored 1.9 on Trustpilot out of 107 reviews, averaging an overall rating of “Poor”. (correct as of June 2021).
Gadget Cover gadget insurance review
Gadget Cover's Supercover provides protection against:
- Accidental and liquid damage
- Unauthorised usage of up to £2,500 against calls, texts and data use
- .Worldwide cover up to 180 days in one year
- £150 accessories cover if they’re lost or stolen at the same time as your gadget
Added as an optional extra, loss protection will replace your device should you lose it. This is only applicable to mobile phones, smartwatches and tablets.
They’re also one of the few providers who offer E-Wallet cover should your gadget be stolen or lost and unauthorised payments are made off the device. They’ll refund all transactions up to a maximum of £500.
Gadget Cover has not yet been rated on Review Centre. They have a rating of 4 stars on Trustpilot garnering them an overall score of “Great” based on over 1,300 reviews (correct as of June 2021).