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

While you’ve probably got a 12 months manufacturer’s warranty this only covers you for mechanical breakdown. Our gadget 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!

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

Home insurance isn’t designed with your device in mind, so is unlikely to cover you for fraudulent use or unauthorised data usage. Furthermore, if you claim on your home insurance, the excess you may be required to pay could be higher than the cost of having separate 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 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.

Next Generation Insurance (NextGen) is an insurance intermediary (broker) and not an insurance company. We sell and administer gadget and mobile phone insurance products on behalf of insurance companies.

We only work with A-Rated Insurers, which means that you are insured with reputable companies. The underwriters that we work with are Axa Insurance (Premium & Ultimate products) and Zenith (Essential product).

You can pay for your policy annually or monthly on our Premium & Ultimate products and annually only on our Essential 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 use to purchase your insurance and pay your first premium. 

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 period.

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

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

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.