Single-trip
Designed to cover a single trip of up to 90 days. After returning home from your trip, your policy and gadget cover will end
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Find tailored travel cover at the right price by comparing deals from the UK’s leading travel insurers.
Do I need travel insurance with gadget cover?
Gadget cover is an optional cover you can add to a travel insurance policy to give you extra protection for your portable gadgets and electronics, like laptops, mobile phones, tablets, and cameras.
High value electronics will often fall outside of the per-item limit for baggage cover and the terms of standard travel insurance may not cover your gadgets if something happens to them while you’re out and about.
That’s why gadget cover can offer higher per-item limits for expensive gadgets and terms that better apply to items that you’re more likely to carry around than keep in your accommodation.
Travel insurance doesn’t usually include gadget cover as standard, so you will need to add it manually when you apply for your policy and will need to pay more to include this cover.
What types of gadget travel insurance are available?
Insurers offer three types of travel insurance to cover you for different trip lengths. The duration of your gadget cover will match the type you choose and protect you up to the per-trip and policy life limits.
The three main types of travel insurance you can choose are:
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Annual multi-trip
Covers an unlimited number trips over a 12-month period. Cover for trips is limited to typically 31 days per trip
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Backpacker/ Long-trip
Covers extended trips and trips that cover multiple destinations. Some policies can cover trips as long as one year
What items can be included in gadget travel insurance?
The items that your gadget travel insurance will cover will depend on your provider. Most policies with gadget cover will cover your essential electronics, such as phones, laptops, and tablets. As for other electronics, you will need to check your policy to make sure they are included in your cover before you pack them for your trip.
Items that can be covered by travel insurance with gadget cover include:
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Mobile phones
Laptops
Digital Cameras & accessories
Electronic tablets
Games Consoles
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Drones
iPods / Music players
Kindles / E-readers
Sat Nav
Bluetooth speakers
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DVD Players
Bluetooth headsets
Headphones / Earphones
Smart watches
Wearable devices
Why compare travel insurance with MoneySuperMarket?
Whether you need worldwide cover, a single trip, or a multi-trip policy, at MoneySuperMarket, we’re here to make sure your holiday planning is a breeze. Here’s what you’ll get:
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Flexible to suit your plans
Get fully comprehensive cover for as long as you need it, whether that's one day or a few months, or single trip or multi trip policy
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Quick and easy to use
Simply pop in a few details about where you’re off to next, pick the best deal for you and get insured for your next trip.
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Save money
Compare quotes from the UK's leading travel insurance providers and filter through a range of policies that match your needs as well as your budget.
What cover does gadget and mobile phone travel insurance provide?
While the terms of your policy may differ depending on your provider and your level of cover, most travel insurance policies with gadget cover will cover the following:
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Accidental damage
If your gadget has been damaged accidentally, your travel and gadget insurance will cover the cost of repairs or will help you replace it if your gadget can’t be fixed
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Theft and loss
If your piece of tech has been stolen or you have left it somewhere you can’t retrieve it from, your gadget cover will replace it as well as lost parts and accessories
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Liquid damage
Travel insurance normally excludes liquid damage to electronics, but with gadget cover your policy will cover repairs or replacement related to accidental liquid damage
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Breakdown
You will be covered for damage to your gadget as a result of mechanical or electrical breakdown that falls outside of the manufacturer’s warranty period
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Unauthorised use of data
If your phone is stolen and the thief racks up your bill by using your data, your gadget cover will cover the cost of the data they used without permission
What are the exclusions or restrictions of gadget travel insurance?
Not every policy is the same and the terms of your cover will depend on your provider and policy. You should always check your policy documents or contact your insurance provider to find out more about your cover and its terms.
These are some of the most common exclusions you will find in a travel insurance policy with gadget cover:
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Deliberate damage
Travel insurance won’t cover any deliberate damage that you cause to your gadgets
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Unreported theft
Theft won’t be covered unless you report the event to the police within 24 hours of it happening
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Undeclared gadgets worth over £1,000
When you apply for your policy, you need to declare any high-value gadgets to get cover for them
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Loss of information
Insurance won’t cover the cost of replacing apps, data, or information stored on your device
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Unnotified network providers
To cover loss of data, you need to report the theft to your network provider within 24 hours
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Cosmetic damage
Your insurance will only cover damage to your gadgets that affect their functionality
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Our expert says…
Gadget cover isn’t included as standard when you buy travel insurance, so don’t forget to add it if you want the extra cover. When you compare quotes with MoneySuperMarket, we can help you find policies that offer gadget cover by selecting it as a cover option.
Alicia Hempsted Insurance Expert
Tips for travelling with gadgets
If you’re planning to pack some valuable electronics with you on your next trip, here are a few tips:
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Use protectors
Screen covers, bags and phone cases are all affordable and can help protect against cracked screens, the most common issue affecting gadgets
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Keep them out of sight
If you can, leave your gadgets in your accommodation and out of sight from windows and doors. Gadgets kept in your car should also be stored out of sight
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Be careful of global roaming charges
Roaming charges can be extremely expensive outside Europe. It’s best to avoid them when you can and find a reliable wi-fi connection instead
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Back up everything
Insurance won’t cover your personal data, so back it up. From portable hard drives to cloud storage, backing-up is a simple way to ensure your data is protected
Ready to compare? Here's what to do next
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Tell us about yourself
Give a few details about you, your travel plans, preferred level of cover, and what you need cover for
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We’ll do the legwork
We’ll put together a list of travel insurance quotes, so you can pick one that works for you
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You’re on your way
Once you’ve chosen, you can purchase your policy and you’ll be covered for your trip
Guides and expert tips
Keep up to date and find out all you need to know with our latest guides.
Will gadget travel insurance cover second hand phones?
Not every provider will be willing to cover second-hand gadgets, and even those that do might only cover refurbished gadgets. Claiming on gadget travel insurance normally requires proof of purchase. If you don’t have any evidence that you paid for your gadget, then you won’t be able to make a claim if anything happens to it.
Does my home insurance cover my gadgets when travelling abroad?
A standard home insurance policy is unlikely to cover gadgets abroad. You can only protect items outside of the home by adding optional personal possessions cover. Even with this additional cover, not every policy will cover belongings that you take out of the country.
How do I make a claim on my gadget cover?
The process of making a claim on your gadget cover is the same way you make a claim on your travel insurance. Making a claim will usually involve requesting a claims form from your provider or filling out a form online through an online hub.
Your provider will outline for you their specific claims process when you buy your policy. To find out the right way to make a claim, you can refer to your policy documents, visit your provider’s website, or contact them directly.
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Reviewed on 17 Dec 2025 by
The number of providers for travel insurance in August 2025