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Gadget & Mobile Phone Insurance

Super save on your Gadget insurance

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Compare gadget insurance from 16 providers1

We do the hard work for you, comparing deals from the biggest providers in the UK so you can get the right cover

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1Correct as of February 2024

What is gadget insurance?

Gadget insurance is a type of policy designed to protect your electronic devices providing financial assistance for repair, replacement, or reimbursement if your gadget gets stolen, damaged, or lost.

Having gadget insurance in place means that if anything were to happen to your device, your insurance can take care of any repairs or replacements that are necessary. 

And if you belong to a family of tech addicts you can also take out family gadget cover that covers the entire household’s gadgets under one umbrella policy.



Man sitting with a boy holding a camera

What gadgets can I protect?

Compare gadget insurance to cover all of the following devices and more:

  • Smartphones

    Protect mobile phones against damage or theft

  • Laptops

    Insurance to cover laptops for work or entertainment

  • Tablets

    Protect tablets under a gadget policy

  • Smartwatches

    Smartwatches can be expensive. Make sure they're protected.

  • Other gadgets

    Other devices such as games consoles, sat navs, fitness trackers and wireless earbuds (e.g. AirPods)

What does gadget insurance cover?

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

  • Accidental damage: Dropped your phone and have a cracked screen? Accidental damage cover will help pay for a new one

  • Mechanical failure: If your warranty runs out and your gadget dies, or if your device is damaged as a result of liquid, you’ll be protected

It's important you review policy details thoroughly before you buy to check that the cover meets your specific needs and requirements.

Woman looking at mobile phone

Do I need gadget insurance? 

Are you prone to dropping your phone, leaving it lying around, or are afraid of it getting stolen? Let’s be honest, there are a range of dangers your electronics are exposed to, and they aren’t cheap to replace when things go wrong. Having gadget insurance is peace of mind that when anything does happen to any of your gadgets, your insurance can take care of the repair or replacement costs.  

Sam Meadows

Our expert says

"

Do you need specific gadget insurance? 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. That could be a reason to consider standalone cover. 

"
- Sam Meadows, Insurance Expert

How much does it cost to insure my gadgets?

The cost of gadget insurance will vary according to the number of items you’d like to insure, their model, and the level of cover you choose with 97% of MoneySuperMarket selecting accidental Damage, 86% choosing the instant cover, and 90% of customers selecting cover for theft and loss.

Average Monthly
Cost

Average Annual
Cost

Potential Savings 2(If paying annually)

iPhone 14 128GB

£7.10

£75.28

£9.92

Samsung S23 128GB

£7.76

£82.26

£10.86

Google Pixel 7 128GB

£6.51

£62.29

£15.83

Comparison Creator, May 2023, Pricing includes Accidental Damage, Theft, Loss, Mechanical Breakdown and Immediate Cover.

Are my gadgets already covered?

There are ways your gadgets could already be covered. Other products might offer some protection, including:

  • Credit card

    If you bought your gadget with your credit card, it may be protected. Check your policy and remember to read the small print

  • Bank account

    Some bank accounts come with insurance as part of the package, so check your policy as you might already be protected

  • Warranty

    Most gadgets come with some warranty, but this typically covers mechanical breakdowns, not accidental damage or theft

Get tailored gadget insurance quotes with MoneySuperMarket

Comparing quotes for gadget insurance with MoneySuperMarket is quick and simple. All you need to do is answer a few questions about the cover you want and we'll help you find a great value policy.

  • Tell us about your cover

    Answer some questions about the cover you want and the gadgets you want to cover. You can add up to 10 gadgets to your policy

  • We'll fetch great value quotes

    With your information, we'll fetch quotes from UK gadget insurance providers for you to browse, with the cheapest quotes front and centre

  • Choose the deal you want

    Once you've found the deal you want, click on the provider and you will be taken to their website for you to complete your purchase

There are many types of policy to consider. You can protect one particular item like your iPhone or you can get more comprehensive household policies that cover a whole range of devices. There are also policies available that cover all the family’s gadgets in one umbrella policy.

No. Items must have been purchased as new from a manufacturer, network provider or other high street or online store. Refurbished gadgets or those bought from outlet or similar stores are not eligible for cover.

If it’s been stolen, you will need to notify the police and get a crime reference number as soon as possible. Then submit your claim at the earliest opportunity by contacting your insurer. Always keep receipts too as you will always need proof of purchase for any successful claim.

Most people who own a phone literally take them everywhere. And if you really worry about losing or breaking your phone, it might be worth taking out gadget insurance.

There are a number of factors to consider when insuring your phone. Some policies won’t cover a phone that is more than six months old whereas others will. You will also need proof of purchase in order to get gadget insurance but you’re unlikely to get cover if it wasn’t bought within the UK.

No. Items must have been purchased as new from a manufacturer, network provider or other high street or online store. Refurbished gadgets or those bought from outlet or similar stores are not eligible for cover.

Read through your policy documents to check exactly what they insure under that particular cover. You might have limited cover so it’s a good idea to work out the value of your gadgets and then ask yourself if it is adequate.

There could be. A warranty covers mechanical breakdowns but not accidental damage or theft. Most gadget insurance policies would cover these, but always remember to check the policy thoroughly.

If it’s been stolen, you will need to notify the police and get a crime reference number as soon as possible. Then submit your claim at the earliest opportunity by contacting your insurer. Always keep receipts too as you will always need proof of purchase for any successful claim.

It depends on your circumstances: ask yourself if you could afford to replace the gadgets if they are damaged or lost, whether they are still under warranty, have you lost or damaged gadgets before, and are they covered already under another policy like home or contents insurance?

Gadget insurance will certainly give you peace of mind if you are accident-prone or use your gadgets on the move, especially if you can get a policy that costs only a few pounds a month.

Moneysupermarket have teamed up with protectyourgadget.com who offer an external gadget insurance comparison service. ProtectYourGadget.com is a trading name of Comparison Creator Limited, a company registered in England and Wales (Registration Number 07336373). Comparison Creator Limited is an Appointed Representative of Moneyshake.com Limited which is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 522581).