Gadget and Mobile Phone Travel Insurance

'Gadgets’ refers to portable electronic devices, like your mobile phone, tablet, or e-reader.

Take out gadget travel insurance and we’ll cover your devices up to a total of £2,000 for each person named on your policy. This can be spread over multiple items or for a single gadget.

Here’s what’s included with our gadget travel insurance add-on:

- Accidental damage or loss
We’ll arrange a repair of your gadget if it gets lost or damaged by accident. And if it can’t be repaired, we’ll replace it for you.

- Theft and malicious damage
If your gadget is stolen when you’re away, we’ll replace it. If only certain parts have been taken or maliciously damaged, we’ll only replace these parts.

- Unauthorised call, text and data use
If you lose your mobile phone, or it was stolen and used, we’ll reimburse you the costs for up to £2,000 worth of calls or data usage.

- Liquid damage
Scrolling through your phone poolside? If your gadget gets dropped and damaged after coming into contact with any liquid, we’ll repair it. And if it can’t be repaired, we’ll replace it.

- Electrical breakdown
If your gadget has an electrical breakdown, which happens outside of the manufacturer’s guarantee period, we’ll repair it. If your gadget can’t be repaired, we’ll replace it for you. This cover option isn’t available for laptops.

For a full breakdown of cover, read our Gadget Travel Insurance documents.

These are some of the things we're unable to cover:

- Any gadget older than 6 years old
- Any gadget bought outside of the UK, or secondhand
- Accidental damage or breakdown of a laptop
- Liquid damage as a result of taking part in water sports
- Loss or damaged accessories

Add gadget cover to your policy and you can be covered for the following tech:

- Mobile phones and smartphones
- Laptops (including MacBooks or custom built laptops)^
- Tablets and e-readers
- Digital cameras and camera lenses
- Smart watches
- Health and fitness trackers
- Games consoles
- Video cameras (including GoPro's)
- Head/earphones and Bluetooth headsets
- MP3/CD/DVD players
- Sat navs
- PDAs

For more information, read our policy documents.

The ‘Personal Baggage’ section of our travel insurance policy can cover your tech up to £250 on a Basic policy, and £500 on a Comprehensive policy.

For £2,000 worth of protection per person, add Gadget cover to your Comprehensive policy. Or, if you choose a Signature policy, it already includes Gadget cover as standard.

Most travel insurance policies do cover your mobile phone or smartphone against loss, damage or theft, but many only offer partial cover.

Our standard policies can cover your mobile phone, but only up to the value of £100. So, if your phone is likely to cost more than £100 to repair or replace, gadget travel insurance can cover your mobile phone for up to a total of £2,000.