While you’ve probably got a 12 months manufacturer’s warranty this only covers you for mechanical breakdown. Our gadget and mobile phone insurance includes cover for cracked screens, liquid damage, accidental damage, loss and theft. Once your 12-month warranty is up, we cover mechanical breakdown too!

We have a choice of cover so that you can find the level of insurance that meets your needs. Our Essential level of cover looks after you in the UK or abroad for breakdown, loss, theft, fraudulent use and accidental damage (yes, that includes cracked screens and dropping your mobile/gadget down the toilet). In addition, we have other levels of cover that insures you against unauthorised calls and includes mobile/gadget accessories cover, extended cover abroad (365 days a year) and liquid damage. 

Your phone might be covered under your home insurance but the cover is unlikely to cover all of your needs and could leave you without a mobile phone or gadget for a considerable amount of time as home insurance claims can take a while to resolve. 

Home insurance isn’t designed with your mobile or gadget in mind, so is unlikely to cover you for fraudulent use or unauthorised calls. Furthermore, if you claim on your home insurance, the excess you may be required to pay could be higher than the cost of having a separate gadget or mobile phone insurance. Naturally, your contents insurance premium may then increase when your policy comes to renewal, due to the claim you made.

Please make sure you view the benefits and cover of each gadget or mobile phone insurance policy before you make a decision. If you’re not sure, give us a call and we’ll help explain our cover options further.

You can pay for your policy annually or monthly (except for our Essentials cover). For monthly payable policies we set up a subscription for the monthly instalments and the premium will be taken from the bank card you provide to us. 

If you have a preferred day on which you would like payment to be taken be sure to start your policy from that day of the month. We are not able to change payment collection days once the policy is active because the payment date directly aligns with the policy cover periods.

Yes, your phone must be have been purchased in the UK. You can insure a phone that you have purchased from network providers, direct from manufacturers or a high street store.

If you purchase your device as a refurbished device, it must have at least a 12-month warranty.

Our Essential policy only insures refurbished phones that are purchased directly from network providers or manufacturers. This clause does not apply to our Premium & Ultimate products.

For our Premium & Ultimate products, your device must be under 12 months old when you insure it with us. Our Essential policy does allows phones up to 36 months old.

If you renew your policy with us the age of the mobile at renewal is not a factor.

Next Generation Insurance (NextGen) is an insurance intermediary. We sell and administer gadget and mobile phone insurance products on behalf of insurance companies.

We only work with A-Rated Insurers, which means your cover and any claims are protected. The underwriters that we work with are Axa Insurance (Premium & Ultimate products) or Zenith (Essential product).

We can insure the phone that belongs to you, or your immediate family as long as they live at the same address as you. By ‘immediate family’ we mean your Mother, Father, Son, Daughter and spouse.