Should I get mobile/gadget insurance?

Do you have a history of stolen, lost or damaged mobiles or gadgets? If so, it might be wise to get cover in place

Can you afford to self-insure?

Could you afford to simply replace a lost, stolen or damaged mobile/gadget out of your own pocket?

How much did your mobile/gadget cost?

Is it worth insuring? Could you be without it?

Do you rely on your mobile/gadget daily?

If your gadget is an integral part of your life you may wish to get cover that ensures you’re back up and running as soon as possible

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What does our mobile & gadget insurance cover you for?

We have a choice of cover, depending on your needs. Our lowest level of cover looks after you in the UK or abroad for breakdown, loss (mobiles only), theft, fraudulent use and accidental damage (yes, that includes cracked screens and dropping your mobile/gadget down the toilet). In addition, our product range also covers:

Mobile/Gadget accessories cover

It's not just your mobile or gadget that's covered


In case you lose your phone accidentally (cover restrictions apply)

Liquid damage

Includes toilet drops, coffee spills & puddles too

Accidental damage

Screen cracks

Unauthorised call & data use

Don't be caught out with huge bills


We'll get a replacement phone to you quickly

What don’t you cover me for?

Delays in reporting your mobile/gadget as stolen or lost

You must report your mobile/gadget missing as soon as possible. Reporting it within 24-48 hours is important to ensure you are covered.

Is it really value for money?

As with anything, you should always check that the cover and benefits are good value for money and you should always shop around.

Do remember, value isn’t always just price, it’s cover, benefits, service, peace of mind and knowing who’s got your back when you need it most.

Am I covered on my home insurance?

You might well be covered under your home insurance and the benefit is, it’s probably included in the premium you’re paying already!

However, if you claim on your home insurance the excess could be higher than insuring with a mobile/gadget insurer and your contents insurance premium, as a whole, may increase when your policy comes to renewal.

Consider also the claim, if you have to make one, home insurance claims can often be quite labour intensive and take some time, can you afford to be without your mobile/gadget for that long?

Because it’s home insurance and not a mobile/gadget insurance specialist provider you might not have the level of protection that you need, for example, fraudulent use or unauthorised calls.

Want to discuss your options?

Please make sure you view the benefits and cover of each product before you make a decision. If you’re not sure, give us a call on 01206 688097 and we’ll help explain our cover options further.

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