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May 30, 2018

Is gadget insurance worth it?

When you get a brand new, shiny laptop or smartphone, you’ll probably want to quickly set it up, show it off to your pals and get snap happy with the cool new camera.

Insuring it might be the last thing on your mind, but if you’re worried about your gadgets being lost, stolen or damaged, taking out a gadget insurance policy might be a wise decision.

Here is our guide to help you decide whether gadget insurance is worth it for you.


Should I get gadget insurance?

Gadget insurance is cover for your electronic essentials. Water damage, shattered screens and thefts make up most of the claims that people make for this type of insurance, and it can be a real godsend if your expensive smartphone breaks and you don’t have deep enough pockets for a decent repair.

While manufacturer’s warranties often only cover defects like hardware or software problems, gadget insurance covers much more. For example, our policies cover everything from unauthorised calls to loss and overseas cover too.

If you’re currently wavering over whether or not to take out gadget insurance, consider a situation where you might need it- you could leave your laptop at your local coffee shop, drop your smartphone in the pool while trying to take a selfie, or spill coffee on your tablet during a stressful commute.

Even if your phone was free with a contract or your laptop was nothing short of a steal, such scenarios can set you back a few hundred quid if you don’t have insurance.

Customers don’t have to take out policies as part of an in-store purchase, often it’s much cheaper to seek out a deal online. Doing it this way means that you can search specifically for a deal that suits you and your gadgets. With us, you can search by gadget, phone type or by type of cover, such as business cover.

Claiming on your gadget insurance should be just as simple as purchasing it; customers can claim online with us at any time- 24/7, 365 days a year.


Is gadget insurance reliable?

Once you’ve taken the plunge and bought a policy, you want to make sure you can 100% rely on it should you ever need to make a claim.

Reading over the cover details as well as the terms and conditions of your policy is a good place to start when you take out insurance, so you know exactly where you stand.

Another way to ensure your gadget insurance is reliable is to check the reviews from other customers who have taken out similar policies. We have over 6,000 reviews on Google, TrustPilot and Review Centre, and from the 3,800+ reviews on Trust Pilot, we have an average score of 8.6 out of 10, so you can read real reviews from customers who considered our insurance totally reliable.


Is gadget insurance cheap?

Gadget insurance is generally cheaper than adding your tech to your home insurance, as this might result in you paying an additional premium, a large excess and/or loss of no claims bonus.

Our award-winning gadget insurance starts from just £2.99 a month and includes immediate cover from the moment you sign up.


Browse our policies and terms and conditions today, and if you’re still unsure, check out our comparing gadget insurance guide.