FAQs

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    1. Gadget Insurance (General)

  • Why should I use Protect Your Gadget over other online insurers?
    Protect Your Gadget is the only direct online comparison service operating within the field of gadget insurance in the UK today. We search many providers within the gadget insurance market to find you the best deal. Our aim is to not only help you compare insurance policies in one easy hit, but to also guide you through the cover purchase process too.
  • What kind of gadgets are covered?

    Protect Your Gadget cover extends to the following:


    iPhones

    Mobiles

    Smartphones

    Laptops

    MacBooks

    Tablets

    iPads

    Kindles

    e-Readers

    MP3 players

    iPods

    Game consoles

    Portable games consoles

    Sat Navs

    In-car computers

    Cameras

    Camcorders

    GoPros

    Headphones

    Earphones

    Smart tech

    Smart watches

  • Is there a limit to the number of gadgets I can insure at once?
    There's a range of options available to suit your individual circumstances. Cover is available to safeguard one item of significant value, such as an iPhone or iPad, right through to comprehensive household policies covering up to 10 different gadgets. Simply enter the details of those items you would like covered when you start the quote, and Protect Your Gadget will provide you with range of cover options at varying prices.
  • My gadget is still under warranty. Why do I need separate cover?
    Most gadgets come with 12 months' coverage under the manufacturer's warranty as standard. This covers you for mechanical breakdowns but you won't be covered for accidental damage or - most importantly - theft. Extended warranties also don't tend to provide for such eventualities either. Some policies available through Protect Your Gadget will cover this as standard.
  • Who can take out gadget insurance?
    You must be a UK resident aged 18 years or over to take out a gadget insurance policy through Protect Your Gadget. Gadget owners under the age of 18 are otherwise advised to ask a parent or other carer to purchase a policy on their behalf.
  • Who is Protect Your Gadget?
    Protect Your Gadget has been created by an experienced team of insurance comparison experts in response to a growing need for families and professionals to protect themselves against the potential loss of digital devices. With online comparison services available across a wide range of other finance and insurance fields, Protect Your Gadget is the first platform dedicated solely to providing real-time comparison services for the gadget market specifically.
  • Is Protect Your Gadget the insurer?
    No, we are an impartial comparison service designed to bring you quotes from many different insurance providers. When you've found a policy you're happy with you leave our site to purchase it on the provider's website.
  • I need to make a claim, who do I contact?
    In the first instance you need to contact the insurance provider with whom the policy was taken out. We suggest you read our guide to making a claim if you would like more information.
  • Is there a limit to the number of times I can claim
    This depends on the terms of the policy you've purchased. Some policies allow unlimited claims, others restrict you to a set amount. We show this information on your quotes page and again on the policy summary page.
  • Will I need to provide proof of ownership if I make a claim?
    In order to reduce fraud insurers may request proof of ownership so they can be certain that the gadget you are claiming for is yours or a family member's. Therefore you will need to provide some form of proof of ownership.
  • Will I need to report the loss or theft of a gadget to the police?
    We recommend you do so at your first opportunity. Insurance providers are within their rights to request the crime reference number before they pay any claim for loss and theft.
  • Will I need to pay an excess?
    Yes - there is normally an excess fee for all successful claims which must be paid before your claim can be approved. For example, if you are approved for a replacement gadget after making a claim for damage, you will need to pay the excess before the replacement is shipped to you. Please remember that you must have purchased loss cover for your gadget in order to claim for loss.

    2. Multi-Gadget & Family

  • What is multi-gadget insurance?
    Household gadget, multi-gadget and family policies all provide cover for multiple specified gadgets. The gadgets can be owned or used by just yourself, or other members of your family too - at home or away. This makes multi-gadget policies ideal for families with children who use their gadgets on school trips, or where the children are students living away from home. Always read the policy terms to determine exactly who can be covered, and where. Some policies won't cover gadgets used by younger children, which is why we allow you to select 'young family cover' when you get your quotes.
  • Is there a limit to the number of gadgets I can insure at once?
    There's a range of options available to suit your individual circumstances but the maximum number of gadgets permitted on a policy is 10. Simply enter the details of those items you would like covered when you start the quote, and Protect Your Gadget will provide you with range of cover options at varying prices.
  • Are gadgets covered on school trips?
    The first thing to note is that some policies won't cover gadgets used by younger children, which is why we allow you to select 'young family cover' when you get your quotes. Where younger children are covered, the gadget will typically be covered at home and away, although you should always check the policy terms before taking out cover to be certain this is the case. The gadget will not be covered for loss unless loss cover is selected at the time of purchasing the policy. The exact cover will vary between different insurance providers, which is why we allow you to compare quotes like-for-like.
  • What kind of gadgets are covered?

    Protect Your Gadget cover extends to the following:


    Mobiles

    Laptops

    iPads

    iPods

    MP3 players

    Game consoles

    Portable games consoles

    Sat Navs

    Cameras

    Video cameras

    Headphones

    Earphones

    In-car computers


    3. Mobile Phone & iPhone Insurance

  • Why should I use Protect Your Gadget to find mobile phone insurance?
    Protect Your Gadget is the only direct online comparison service operating within the field of mobile phone insurance in the UK. We search the mobile insurance market to find you the deal that best suits you and your budget. With access to many providers, who are competing against each other in an emerging market, Protect Your Gadget not only helps you compare the best rates around in one easy hit, but also guides you through the cover purchase process too.
  • Who can take out mobile phone insurance?
    You must be a UK resident aged 18 years or over to take out a mobile phone insurance policy. Mobile phone owners under the age of 18 are otherwise advised to ask a parent or other carer to purchase a policy on their behalf.
  • Is my mobile phone eligible for cover?
    You must have either bought your mobile phone as new via a network provider, online or high street retailer, or directly from the manufacturer or have bought it refurbished directly from a manufacturer or network provider. Please be aware some policy providers require the device to be no older than 12 months, although others extend this limit up to 36 months. Always read the policy terms carefully before you buy.
  • What if the damage to my mobile phone is cosmetic but it still works?
    Cover is only provided in cases where a phone is damaged to the point where routine functionality has been lost. If it is dented or scratched, for example, but still works as expected then repair or replacement will not be provided.
  • What is loss cover?
    Loss cover protects you if your mobile phone has been accidentally left somewhere by you, and you are permanently without it and unable to locate it. Loss cover requires an additional premium per month which will be included in your quotes providing you have confirmed you wish to cover loss. If you have not selected to cover loss then you will not be able to claim for this type of incident. Insurers expect you to have taken all reasonable precautions to prevent any loss.
  • My mobile phone is still under warranty. Why do I need separate cover?
    While you may get 12 months of cover under a manufacturer's warranty - which covers you for mechanical breakdowns - you won't be covered during those 12 months for cracked screens, liquid damage, loss, accidental damage or theft. Even extended warranties generally don't cover these events.
  • Am I covered if something happens to my mobile whilst I am away on holiday?
    Yes, your mobile phone will be covered worldwide but your insurer may stipulate that replacements can only be sent to UK addresses.
  • Will I be covered for unauthorised calls and downloads?
    This depends on the terms of the policy you've purchased but generally you'll be covered if you make a successful claim for theft and discover you have been charged for calls, texts or data as a result of someone else using your phone. Note that it's usually restricted to calls and data used within 24 hours of the theft and fraudulent e-wallet transactions are excluded. If you have taken the additional loss cover then this benefit may also apply in the event you make a successful claim for loss. Typically the SIM card will need to be registered to you or a family member for these charges to be covered.
  • What shall I do if I lose my mobile or find it's been stolen?
    If your mobile has been lost or stolen, tell your network provider as soon as you can so they can block your device and SIM card as soon as possible. You'll also need to report the loss or theft to the Police and your insurer may also ask for your incident reference number to support any claim for the loss or theft of your phone.
  • What is my IMEI number and why do I need it?
    Every mobile phone has a unique IMEI number, or "International Mobile Station Equipment Identity" number. It can be found by dialing "*#06#" on most phones, and is also often printed inside the battery compartment of a phone and on the box your phone was packaged in. Your phone's IMEI number can usually be found within your settings menu, as well. Collecting your IMEI number helps insurers reduce the incidence of insurance fraud - which means they can offer insurance at lower premiums. It also means quicker processing in the event of making a claim.

    4. iPad, Tablet, & Kindle Insurance

  • Why should I use Protect Your Gadget to find tablet insurance?
    Protect Your Gadget is the only direct online comparison service operating within the field of tablet and e-reader insurance in the UK. We search the tablet insurance market to find you the deal that best suits you and your budget. With access to many providers, who are competing against each other in an emerging market, Protect Your Gadget not only helps you compare the best rates around in one easy hit, but also guides you through the cover purchase process too.
  • Who can take out tablet insurance?
    You must be a UK resident aged 18 years or over to take out a tablet insurance policy. Tablet and e-reader owners under the age of 18 will need a parent or other carer to purchase a policy on their behalf.
  • Will I be covered for liquid damage?
    This depends on the specific policy you purchase, so always check the policy summary before you buy. We do our very best to make it easy for you to see exactly what is included, and any exclusions, at the point of quote and within out policy summary pages.
  • What if the damage to my tablet is cosmetic but it still works?
    Cover is only provided in cases where a tablet or e-reader is damaged to the point where routine functionality has been lost. If it is dented or scratched, for example, but still works as expected then repair or replacement will not be provided.
  • What information will I need to provide about my tablet?
    Insurers need to know exactly what the make and model of the tablet is in order to provide a quote. When you buy a policy or make a claim you may be asked to provide some proof of purchase or ownership. They may also request the tablet's serial number - a unique code assigned to a gadget for identification.
  • Am I covered if something happens to my tablet whilst I am away on holiday?
    Yes, your tablet or e-reader will be covered worldwide but your insurer may stipulate that replacements can only be sent to UK addresses.
  • Will I be covered for unauthorised downloads?
    This depends on the terms of the policy you've purchased but generally you'll be covered if you make a successful claim for theft and discover you have been charged for unauthorised downloads as a result of someone else using your tablet. If you have taken the additional loss cover then this benefit may also apply in the event you make a successful claim for loss.
  • What shall I do if I lose my tablet or find it's been stolen?
    You'll need to report the loss or theft to the Police and your insurer may ask for your crime reference number to support any claim for the loss or theft. If your tablet is on a network you'll also need to inform your network provider so they can block its usage.

    5. Laptop, Macbook, & iMac Insurance

  • Why should I use Protect Your Gadget to find laptop, MacBook or IMac insurance?
    Protect Your Gadget is the only direct online comparison service operating within the field of laptop and desktop computer insurance in the UK. We search the laptop insurance market to find you the deal that best suits you and your budget. With access to many providers, who are competing against each other in an emerging market, Protect Your Gadget not only helps you compare the best rates around in one easy hit, but also guides you through the cover purchase process too.
  • My laptop/Macbook/iMac is still under warranty. Why do I need separate cover?
    While you may get 12 months of cover under a manufacturer's warranty - which covers you for mechanical breakdowns - you won't be covered during those 12 months for cracked screens, liquid damage, loss, accidental damage or theft. Even extended warranties generally don't cover these events.
  • Will my laptop/MacBook be covered away from home?
    Yes, your laptop or Macbook will typically be covered at home and away. Please be aware that some insurers will not cover laptops, MacBooks and desktop computers such as the iMac against loss. We ask you at the point of quote whether you wish to cover loss, and we'll therefore only show you quotes from providers who are able to offer this cover.
  • I have a laptop/Macbook and a desktop computer. Can I insure them on the same policy?
    Yes you can. You can also add on your other valuable and important devices on too, such as tablets, mobiles, cameras, games consoles and headphones, providing they are no older than 36 months (for some insurers gadgets must be no older than 12 months). The really good news is that it's often very cost effective to insure multiple items rather than each item separately.
  • What information will I need to provide about my laptop or desktop computer?
    Insurers need to know exactly what the make and model of the device is in order to provide a quote. When you buy a policy or make a claim you may be asked to provide some proof of purchase or ownership. They may also request the device's serial number - a unique code assigned to a gadget for identification.
  • What shall I do if I lose my laptop/Macbook or find it's been stolen?
    You'll need to report the loss or theft to the Police and your insurer may ask for your incident reference number to support any claim for the loss or theft.

    6. Camera, Camcorder, and GoPro Insurance

  • Why should I use Protect Your Gadget to find camera, camcorder or GoPro insurance?
    Protect Your Gadget is the only direct online comparison service operating within the field of camera insurance in the UK. We search the camera insurance market to find you the deal that best suits you and your budget. With access to many providers, who are competing against each other in an emerging market, Protect Your Gadget not only helps you compare the best rates around in one easy hit, but also guides you through the cover purchase process too.
  • I've got more than one camera, can I insure them on the same policy?
    Yes you can. Multi-gadget policies are designed for people who have many important or valuable cameras or other gadgets. Some insurers allow up to 10 gadgets to be covered under the same policy. If you are insuring multiple gadgets it pays to be aware of claim limits. While some insurance providers impose a limit on the number of claims you can make, others allow unlimited claims. We show you these limits when you get your quotes.
  • Am I covered if something happens to my camera whilst I am overseas?
    Yes, your camera will be covered worldwide but your insurer may stipulate that replacements can only be sent to UK addresses.
  • Is my camera eligible for cover?
    You must have either bought your camera/camcorder/GoPro as new from an online or high street retailer, or directly from the manufacturer or have bought it refurbished directly from a manufacturer. Please be aware some policy providers require the device to be no older than 12 months, although others extend this limit up to 36 months. Always read the policy terms carefully before you buy.
  • What is loss cover?
    Loss cover protects you if your camera has been accidentally left somewhere by you, and you are permanently without it and unable to locate it. Loss cover requires an additional premium per month which will be included in your quotes providing you have confirmed you wish to cover loss. If you have not selected to cover loss then you will not be able to claim for this type of incident. Insurers expect you to have taken all reasonable precautions to prevent any loss.

    7. Headphones and Audio Gear

  • Why should I use Protect Your Gadget to find headphones or audio insurance?
    Protect Your Gadget is the only direct online comparison service operating within the field of headphones and audio insurance in the UK. We search the headphones and audio insurance market to find you the deal that best suits you and your budget. With access to many providers, who are competing against each other in an emerging market, Protect Your Gadget not only helps you compare the best rates around in one easy hit, but also guides you through the cover purchase process too.
  • What is loss cover?
    Loss cover protects you if your headphones, iPod or other audio equipment has been accidentally left somewhere by you, and you are permanently without it and unable to locate it. Loss cover requires an additional premium per month which will be included in your quotes providing you have confirmed you wish to cover loss. If you have not selected to cover loss then you will not be able to claim for this type of incident. Insurers expect you to have taken all reasonable precautions to prevent any loss.
  • Am I covered if something happens to my headphones or audio equipment whilst I am overseas?
    Yes, your headphones or audio gear will be covered worldwide but your insurer may stipulate that replacements can only be sent to UK addresses.
  • Who can take out headphones insurance?
    You must be a UK resident aged 18 years or over to take out a headphones insurance policy through Protect Your Gadget. Gadget owners under the age of 18 are otherwise advised to ask a parent or other carer to purchase a policy on their behalf.
  • What information will I need to provide about my headphones or audio gear?
    Insurers need to know exactly what the make and model of the device is in order to provide a quote. When you buy a policy or make a claim you may be asked to provide some proof of purchase or ownership. They may also request the device's serial number - a unique code assigned to a gadget for identification.

    8. Games Console Insurance

  • Why should I use Protect Your Gadget to find games console insurance?
    Protect Your Gadget is the only direct online comparison service operating within the field of games console insurance in the UK. We search the games console insurance market to find you the deal that best suits you and your budget. With access to many providers, who are competing against each other in an emerging market, Protect Your Gadget not only helps you compare the best rates around in one easy hit, but also guides you through the cover purchase process too.
  • Will I be covered for liquid damage?
    This depends on the specific policy you purchase, so always check the policy summary before you buy. We do our very best to make it easy for you to see exactly what is included, and any exclusions, at the point of quote and within out policy summary pages.
  • Who can take out games console insurance?
    You must be a UK resident aged 18 years or over to take out a games console insurance policy through Protect Your Gadget. Gadget owners under the age of 18 are otherwise advised to ask a parent or other carer to purchase a policy on their behalf.
  • My games console is still under warranty. Why do I need separate cover?
    While you may get 12 months of cover under a manufacturer's warranty - which covers you for mechanical breakdowns - you won't be covered during those 12 months for accidental damage, liquid damage or theft. Even extended warranties generally don't cover these events.

    9. Sat Nav Insurance

  • Why should I use Protect Your Gadget to find satellite navigation insurance?
    Protect Your Gadget is the only direct online comparison service operating within the field of satellite navigation and gadget insurance in the UK. We search the satnav insurance market to find you the deal that best suits you and your budget. With access to many providers, who are competing against each other in an emerging market, Protect Your Gadget not only helps you compare the best rates around in one easy hit, but also guides you through the cover purchase process too.
  • Will I be covered for liquid damage?
    This depends on the specific policy you purchase, so always check the policy summary before you buy. We do our very best to make it easy for you to see exactly what is included, and any exclusions, at the point of quote and within out policy summary pages.
  • Am I covered if something happens to my satnav whilst I am overseas?
    Yes, your satellite navigation will be covered worldwide but your insurer may stipulate that replacements can only be sent to UK addresses.
  • My satnav is still under warranty. Why do I need separate cover?
    While you may get 12 months of cover under a manufacturer's warranty - which covers you for mechanical breakdowns - you won't be covered during those 12 months for accidental damage, liquid damage or theft. Even extended warranties generally don't cover these events.

    10. Smartwatch Insurance

  • Why should I use Protect Your Gadget to find smartwatch insurance?
    Protect Your Gadget is the only direct online comparison service operating within the field of smartwatch and gadget insurance in the UK. We search the smartwatch insurance market to find you the deal that best suits you and your budget. With access to many providers, who are competing against each other in an emerging market, Protect Your Gadget not only helps you compare the best rates around in one easy hit, but also guides you through the cover purchase process too.
  • Will I be covered for liquid damage?
    This depends on the specific policy you purchase, so always check the policy summary before you buy. We do our very best to make it easy for you to see exactly what is included, and any exclusions, at the point of quote and within out policy summary pages.
  • What if the damage to my smartwatch is cosmetic but it still works?
    Cover is only provided in cases where a watch is damaged to the point where routine functionality has been lost. If it is dented or scratched, for example, but still works as expected then repair or replacement will not be provided.
  • My smartwatch is still under warranty. Why do I need separate cover?
    While you may get 12 months of cover under a manufacturer's warranty - which covers you for mechanical breakdowns - you won't be covered during those 12 months for cracked screens, liquid damage, loss, accidental damage or theft. Even extended warranties generally don't cover these events.

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