Shield your tech with complete gadget and mobile coverage.

Most policies cover a wide range of electronic devices including smartphones, tablets, laptops, smartwatches, wireless earbuds, digital cameras, and gaming consoles. Coverage can vary between insurers, so it is important to confirm which specific devices are included under your policy before purchasing.

Standard policies typically cover accidental damage such as cracked screens and liquid damage, theft, and loss of the device. Some policies also extend coverage to mechanical or electrical breakdown once the manufacturer’s warranty has expired. Always review your policy documents carefully to understand the full extent of your coverage.

Most policies exclude damage caused by normal wear and tear, intentional damage, and cosmetic damage that does not affect the functionality of the device. Loss or theft that occurs without a valid police report may also be excluded, as well as pre-existing damage at the time the policy was taken out.

Many insurers will cover older devices, but there may be age restrictions depending on the provider. Some insurers require the device to be under a certain age — typically two to three years old — at the time the policy is taken out. It is best to check with your broker or insurer to confirm eligibility for older devices.

Yes, most Gadget Insurance policies include an excess or deductible, which is the amount you contribute toward the cost of a claim before the insurer pays the remainder. The amount varies by policy and provider, so it is worth comparing deductible amounts when shopping for coverage.

Yes, many insurers offer multi-device policies that allow you to cover several gadgets under a single plan. This is often a more cost-effective option for families or individuals who own multiple devices, as it simplifies management and can result in lower overall premiums compared to insuring each device separately.

Not necessarily, as some home contents insurance policies include limited coverage for personal electronics. However, this coverage is often restricted to damage or theft that occurs within the home and may not cover accidental damage or loss outside the home. A dedicated Gadget Insurance policy typically offers broader and more comprehensive protection for your devices wherever you are.