Gadget travel insurance
Travel insurance for your mobile phone and gadgets
Find out how to get the right amount of cover for your gadgets
Find out how to get the right amount of cover for your gadgets
When travelling abroad, you’re likely to have a number of gadgets with you. Knowing you’re covered if something were to go wrong while on holiday gives you a valuable peace of mind and the freedom to enjoy your break. Whether it’s having a camera stolen or damaging your laptop, gadget cover would ease the financial pressure of replacing them when you come home.
There are two main options when taking out cover for your gadgets:
Whichever you go for, it’s important to check your policy paperwork for details of the cover provided.
For example, there will probably be a single item claim limit - the maximum you can claim for any given gadget.
Also check the excess. This is the amount you have to pay towards any claim you make. So if, for example, you claim for a £400 phone and the excess is £50, you’d only get £350 back. Normal travel insurance policies probably have a higher excess than a dedicated gadgets policy.
According to a MoneySuperMarket survey taken in July 2017, up to 68% of Brits travel abroad with a gadget – a figure which rises to 81% among the 18 to 34 age group. Despite this, there are lots of misconceptions surrounding gadget cover for travel insurance, including the fact that many travel insurance policies don’t provide gadget coverage as standard.
Travel gadget insurance provides protection against:
In most cases travel insurance with gadget cover will cover pretty much all electronic devices and handheld technology. As this is sold as an additional extra by the insurer you’ll need to double check the levels of cover offered.
Items that are covered usually include:
The levels of gadget travel insurance vary. The economy level usually consists of three gadgets with a maximum cover of £1,000. The next tier up is standard, which protects five of your gadgets with a cover value of £2,000. This is followed by the premier level, which can cover seven gadgets to the value of £3,000.
In addition to the different levels that come with gadget insurance, insurers also offer three different types of insurance when it comes to length of stay:
Quite a bit, it turns out. According to our survey data Brits take an average of £510 worth of gadgets with them on holiday, so not having gadget coverage can be quite costly. Given that insurance is relatively affordable, it’s well worth investing in some cover for your gadgets.
If you’re travelling with gadgets, it might be worth taking a couple of precautions, just to make sure everything runs smoothly on your trip:
Have a browse through our site to find the right travel insurance with gadget cover for your expensive tech, so you can travel with peace of mind and a selfie stick at the ready.