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May 30, 2018

What is gadget insurance?

Gadget insurance, as the name suggests, is insurance for gadgets - protecting your much-loved devices such as your laptop, smartphone or tablet, against accidental or malicious damage, loss and theft.


Whether your gadget has been lost or stolen or if you accidentally crack your screen or drop your device, this type of insurance will be there to cover the loss and provide a replacement. It’s a great way to make sure you’re protected should the unfortunate happen.


Do I need gadget insurance?

Gadgets can be fairly expensive to fix and replace, so if you have one that you use every day and simply couldn’t live without, it’s advisable to have insurance in place.

Whether you need gadget-specific insurance or not depends on your individual circumstances, such as whether you can replace your gadgets yourself if they are lost or stolen, if your gadget is still under warranty and whether or not it’s covered elsewhere such as on your home insurance.

Not all of us can afford to replace an item that is lost, broken or stolen as quickly as we would like, so gadget insurance is the perfect backup if anything does go wrong.


How much gadget insurance do I need?

The amount of gadget insurance depends on the level of protection you would like, and your affordability. For example, are you accident prone and likely to drop your gadget a lot? If yes, it makes sense to have accidental damage on your policy.

If you’re not sure, you could benefit from a full policy gadget insurance policy. This could protect you against theft, loss, authorised payments and calls, as well as accidental damage such as cracked screens, malicious damage and liquid damage.

If you think you would only need to replace your phone if it’s lost or stolen, our standard insurance policy would suit your needs. Our standard policy covers theft, loss, unauthorised payments and calls, but does not include accidental, malicious or liquid damage.


Whether you’re looking for low level protection or the highest protection available, here at Insurance2go, we offer as much insurance as we can to suit your budget, giving you complete peace of mind. Be sure to check our full terms and conditions for more information.

To learn more about protecting your gadgets, why not visit our guide to the top anti- theft apps for iPhone?