Mobile phones
Gadget insurance will cover most makes and models of mobile phones including the most recent models
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1Correct as of February 2024
Can I get multi-gadget insurance?
If you want to protect more than one gadget with insurance, gadget insurance can help. Family gadget insurance allows you to cover your family’s multiple electronic devices, whether in the home, at work, while studying, or overseas.
Gadgets are particularly susceptible to damage, loss or theft because we carry them with us much of the time and use them frequently. They can also be some of our most valuable personal belongings – and most expensive to replace.
From smartphones to laptops, electronic devices are among our most prized and valuable possessions. They aren’t always covered by your home insurance, so a gadget insurance policy may be the answer
How does family gadget insurance work?
If a device that's covered by your multi-gadget insurance policy is broken or stolen, you can make a claim with your insurer to get back some of the cost of replacing or repairing it.
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You only need to buy one policy
With family gadget insurance, you only need to buy one policy to insure multiple devices at the same time. This means only one set of monthly or annual payments to manage and one set of policy documents to take care of
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Protect up to 10 devices
You can insure up to 10 devices with just one policy, which can include laptops, mobile phones, tablets, cameras, eReaders and more. Your insurance can cover your gadgets for accidental damage, theft, mechanical breakdown, and more.
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Claim for theft, damage, and loss
Whether you keep your gadget in the home or take it out and about, your insurance has got you covered. If something happens to your gadget – for example, if it's stolen – your gadget insurance will pay out to help you cover the cost of replacing it
What gadgets can I cover for my family?
Gadget insurance will cover most types of portable electronics and devices. Some providers will even include cover for gadgets that you purchased refurbished.
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Laptops
Gadget insurance will protect laptops and even certain types of desktop computer, such as the iMac
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Tablets & eReaders
Get gadget insurance cover for tablets as well as cover for eReaders like the Amazon Kindle or Sony PRS
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Cameras
Protect electronic cameras with your gadget insurance, including both photographic an video cameras
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Audio gadgets
Cover for audio devices can include handheld music players, earphones, and sometimes portable speakers
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Games consoles
Cover games consoles, including smaller, portable consoles and larger consoles, like Xbox or PlayStation.
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SatNav devices
Even satnavs can be protected by gadget insurance, with most makes covered by a standard policy
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Smartwatches and wearables
Family gadget insurance can even cover smartwatches and wearable fitness devices
What cover will I get with multi-gadget insurance?
Cover for your gadgets can extend worldwide, so you don't need to worry about leaving the country with your electronics. Check your policy details to make sure you have this cover and to find out what else your insurance includes.
Here is an outline of what a comprehensive gadget insurance policy might give you:
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Covered
Accidental damage: Accidental damage protection will cover you for damages like cracked screens if you accidentally drop your device. However, repairs will only be covered if the damage prevents you using the gadget properly
Theft: If your device is stolen your insurance can help you replace it, although you need to report your gadget as stolen to the police as soon as possible after it happens
Unauthorised calls: If a thief has your device and makes expensive calls that will be charged to you, your multi-gadget insurance will help you cover those charges
Mechanical breakdown: Multi-gadget insurance will pay out if your device develops a fault that affects its functionality
Accessories cover: Some family gadget insurance policies offer cover for your gadget accessories as well, such as cases, stands, and attachments
Loss (optional): This cover is optional for each gadget you add to the policy. It will cover you if you leave your gadget in a location and it cannot be retrieved
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Not covered
Mishandling of your gadgets: Insurance won't cover you if you didn't take proper care of your gadgets. For example, you're unlikely to have a claim approved for theft if you left your gadget unattended in public
Mechanical breakdown of gadgets with an active warranty: Family gadget insurance will only cover repairs to faulty devices that happen outside of their warranty period
No proof of purchase: Most insurance providers ask that you have proof of purchase for your gadgets to get insurance coverage
Cosmetic damage: Multi-gadget insurance won't cover the cost of repairs for damages that are only cosmetic, such as scratches and dents
Digital purchases and data: Family gadget insurance covers damage to the item but not the loss of any data you may have saved on the device e.g. photos, music, documents
Damaged second-hand devices: Insurance will only cover gadgets that were bought new or refurbished to manufacturer standards
How much is family gadget cover?
The cost of a family gadget insurance policy will mostly depend on how much cover you want – including how many gadgets you want to cover and the risks you want to protect them against. These are the three biggest details that will affect the cost of your insurance:
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Number of gadgets
Each gadget that you add to your policy will add to your premiums, so the number of gadgets you want to cover will affect the cost
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Your cover options
You can choose which and how many cover types to add to your gadget insurance, including accidental damage, loss, and theft
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Excess
Excess is an amount you pay to cover the cost of claims before your insurer will pay out. Increasing your excess can reduce your premiums but be sure you can afford the excess amount you choose.
Do I need family gadget cover?
It's always worthwhile to protect your valuable electronics, but in the case of multi-gadget insurance, you may not need it to cover everything. In some instances, your family's gadgets may already be covered by other types of insurance. If you own a home contents insurance policy, there is a good chance that some of your home gadgets – such as games consoles and desktops – are already covered by your insurance. However, home insurance won't always cover gadgets when they're taken out of the home. This is one reason you may want to take out a separate gadget insurance policy.
Family gadget insurance will protect your family's devices from anywhere, whether they're at home, work, school, or even abroad. If you have a child that's bringing a laptop that you purchased to university, for example, a family gadget insurance would be one way of providing them with cover without them having to purchase a separate policy for themselves. Devices like laptops and phones are essential to our way of life. We need them to work, learn and stay in touch, so it makes sense to give them basic protection.
Get tailored gadget insurance quotes with MoneySuperMarket
Comparing quotes for multi-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.
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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
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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
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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
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Gadget insurance guides and expert tips
Keep up to date and find out all you need to know with our latest guides.
Will gadget insurance cover my devices away from home?
Yes. Gadget Insurance is designed to protect your gadgets no matter where you take them, so a family gadget insurance policy will cover you and your loved ones whether you're in the home, at work, at school, or overseas.
However, gadget insurance usually won't pay out to recover repairs while you're abroad. You will need to return home to the UK for repairs to receive any insurance pay-out.
Are students covered by family mobile phone insurance?
Yes. Students that are attending school or university can still get protection for their mobile phones from family gadget insurance. You can even cover family members that are studying away from home or abroad. As long as you keep your proof of purchase, you can still claim for damage or theft.
Is it cheaper to get family multi-gadget insurance?
In some cases, it can be cheaper to get multi-gadget insurance rather than buying separate gadget insurance policies for each device. However, it won't always be the cheaper option. The value of the device you want to insure usually affects the price of a single-gadget policy, while the number of devices you want to protect has the greatest impact on multi-gadget policies. If you have a couple of low value devices you want to insure, a multi-gadget policy for them might end up being more expensive than insuring them separately.
The greatest benefit of multi-gadget insurance is that it makes managing insurance for multiple devices easier. When it comes to cost, it's a good idea to compare the cost of a family or single-device policy to see which one gives you the best value.
Is there a limit to the number of claims I can make?
Many insurers don’t put a restriction on the number of claims you can make for loss, theft, or damage to your gadgets, but you should always check the terms and conditions.
It’s also worth checking how quicky you can make a claim in the event of damage (some policies provide a 24 hour claims line) and whether you can cancel the policy at any time.
Are gadgets covered by travel insurance?
Some travel insurance policies will cover your gadgets while you're travelling. Gadget cover for travel isn't usually included as standard and needs to be added to a travel insurance policy for an additional cost. This cover will protect your gadgets from theft, damage, and sometimes loss. However, your gadget cover is limited with a travel insurance policy and your cover will end as soon as you return home.
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Reviewed on 17 Dec 2025 by
