Gadget insurance for loss or theft | Insurance2go (2024)

FAQs

Does gadget insurance cover losses? ›

Each policy will be different, but most insurers will cover you for: Theft: Gadgets can be expensive and thus very appealing to thieves, getting cover will protect you in case your gadget is stolen. Loss: Misplacing a gadget whilst on the move is commonplace, gadget insurance should protect you if you lose yours.

“First, consider how valuable your gadgets are and whether they are covered by your existing home insurance policy. You wouldn't want to pay for insurance you don't actually need.” “However, the excess on your home policy could be nearly equal to the value of your gadget, making it pointless making a claim,” he added.

Gadget insurance will only cover the cost of repair or replacement if the safety or performance of your device is impacted – so scratches, dents and other visible defects will not be covered.

Broadly speaking, phone insurance covers damaged, stolen, or lost phones—but what's covered and what isn't will depend on the type of policy you have.

Home contents insurance covers you against loss, theft or damage to your personal and home possessions. It can also cover you if you take items out of the home, on holiday, for example.

Loss: This means the gadget has accidentally been left somewhere by you and you can no longer use it. Theft: This means the gadget has been taken from you without your permission by a third party.

What is the claims procedure? You notify Claims Administrators as soon as possible but in any event within 48 hours of any incident likely to give rise to a claim under the insurance. You must report the theft or loss of any mobile phone, within 24 hours of discovery to your Network Provider and blacklist your handset.

Does gadget insurance cover screen damage? If you accidentally drop your phone on a hard surface and the screen does crack, you can rest assured that many gadget insurance packages do cover screen damage, in fact it is one of the most common accidental damages that is claimed for.

You can usually cover one or two gadgets, up to a value set by the insurer. But check policies because there'll be exclusions. There'll be a single item limit too. That means you'll only be covered up to a certain value for each gadget. Generally, the more premium the policy the higher the item limit.

In the event that you make a claim, an excess fee applies which must be paid to us before your claim can be settled. This excess fee varies depending on the type of gadget you have insured with us and the type of claim you need to make. The same excess fee applies for any type of claim.

What does proof of usage show? ›

"The proof of usage is your email with the IMEl number on it which you got when you first took the device. That is what insurance companies need. So you need to ask for that, not proof of usage as in the bills." It might be worth checking if they will accept your bills as proof for the sim.

Barclays Tech Insurance

Mobile and gadget insurance administered by Likewize and underwritten by Aviva Insurance Limited ("Aviva"). Terms, conditions and exclusions apply. To apply for a pack, you'll also need to have an eligible current account with us.

The claims form will require you to provide details of the incident, including the date, time and location. You'll also need to provide a description of the damage or loss and the estimated cost of repair or replacement.

If your phone is insured or covered by your home insurance policy you'll usually be able to claim for a new one. Contact your insurance provider to find out what cover you have and how they can get you a replacement. If your phone was stolen you'll need to give them the crime reference number.

Mobile phone insurance is a type of insurance that will cover your phone in case it gets accidentally damaged, stolen or lost. Mobile phone insurance is a lifeline for when things go wrong – and given how important smartphones are, it's always worth having protection in place.

What Is Covered? Financial loss due to injury, property damage, medical expenses, libel, slander, defense against lawsuits and settlements. Financial loss due to lost, stolen or destroyed products and equipment. Provides a wide range of insurance coverage options to cover financial, product and asset losses.

Depending on your plan, cell phone insurance typically covers damage caused by accidents and theft, up to a selected limit or the replacement cost of your phone.

Homeowners insurance typically won't cover personal items that you've lost or misplaced. While stolen belongings are generally covered up to the limits or applicable sub-limits of your personal property coverage, you're responsible for the cost of replacing any lost items.