Why Do I Need Gadget Insurance?
We have become inseparable from our gadgets such as smartphones and tablets. We use them to keep in touch with our friends and family, take pictures and share them on social media, or have fun playing games.
Electronic gadgets are an integral part of our lives, but they’re also quite expensive. Carrying such gadgets around with you means that you’re vulnerable to the dangers such as theft, loss or damage.
Quality smartphones or tablets are expensive, and their loss can have a massive impact on your wallet – not to mention the inconvenience of not having a mobile phone or tablet to use in your daily life. Moreover, many gadgets come as part of contracts signed with service providers. For example, if you’ve got an iPhone by agreeing to sign a contract, you’ll have to keep paying for it even when you damage or lose your phone.
That’s why it’s smart to take action right now and protect yourself against such risk. You can do that by covering your gadgets with a particular type of insurance called gadget insurance.
When choosing gadget insurance, be sure to shop around to find an offer that matches your best needs. For example, some insurers may insist on repairing your device before replacing it. Our gadget insurance provides a rapid replacement service to get your gadget up and working as quickly as possible.
What Types of Gadgets Can I Insure?
As part of our gadget cover, you can insure any type of gadget such as a smartphone or tablet. However, take a closer look at our offer because you might find the type of insurance that suits your gadget best.
For example, if you would like to get insurance for your iPhone, check out our mobile phone insurance policies, which we developed with iPhone owners in mind. The insurance provides coverage of all the recent iPhone models such as iPhone 7, 8, 10, XS, XS Max, and more. It’s the best option if you’re looking for insurance that was designed to match the needs of iPhone users.
If the gadget you would like to insure is a mobile phone, feel free to take advantage of our dedicated mobile phone insurance policy. This type of insurance provides you with everything a mobile phone user needs. We created it to meet the needs and preferences of mobile phone owners who want to protect their device against theft, loss, or damage.
Exclusions of Gadget Insurance
One thing you should be aware of before signing a gadget insurance contract is reading it carefully to see which type of exclusions apply.
Pay attention to the type of theft covered in your gadget insurance policy. For instance, some plans don’t cover theft without force or unattended theft. In practice, it means that if someone steals your tablet when you’re not looking, you won’t be insured. If your provider deems you to have been careless, you might lose insurance too. As for damage, remember that any sort of water damage might fall under this exclusion.
At Gadget Cover, the exclusions to the gadget insurance are as follows:
Leaving the gadget unattended (not within your sight at all times and out of your arms-length reach) – for example if you leave your iPhone behind on a table in a crowded restaurant, your phone won’t be insured.
- Gadget theft from a vehicle or premises without any visible signs of forced entry.
- Lack of proof of purchase or receipt.
- Claims where the gadget hasn’t been in use since you’ve purchased the insurance.
Am I Eligible For Gadget Insurance?
You can insure your gadget with us under a few conditions. First, your gadget such as a tablet or smartphone cannot be older than 18 months when you first purchase the insurance. Once you get your insurance, there’s no limit to how long the gadget can be insured. What matters is that you bring your device to us before it turns 18 months. You’ll also need to ensure:
- The iPhone must be in good condition and full working order prior to purchasing the policy
- You’re able to provide evidence of ownership
- The items was purchased as new, or refurbished (if purchased directly from a manufacturer or mobile network provider)
To be eligible for gadget insurance, you need to be a permanent resident of the United Kingdom. Moreover, you need to be at least 18 years old. Unfortunately, we cannot insure a smartphone or tablet that belongs to anyone under 18 years of age at this time.
However, if you are under 18 years old but still live with your parents, they can get the insurance for you. Your parents can sign the contract and, once you turn 18, transfer it to your name. That way you’ll make sure that your precious iPhone or iPad are protected with quality gadget insurance.
What To Check Before Getting Gadget Insurance
When looking for an insurance policy for your gadget, first make sure that the smartphone or tablet you would like insured isn’t already covered by a different policy – for example, your home insurance.
Some types of home insurance include coverage of some gadgets such as mobile phones. They are usually simple and cost-effective solutions, but they may come with significant downsides such as lengthy claim processing that could leave you without your gadget for a more extended period.
What Do I Need To Make A Claim?
To make a claim, you need to do the following:
Report the theft or loss of your gadget to the police and your service provider no later than 48 hours after you notice that your smartphone or tablet is missing.
Next, you need to contact us. Make sure to do that as quickly as possible – within 48 hours from discovering loss or theft of your gadget.
You can call our dedicated Claim Advisors on 0203 794 9294. You can also send us an email to this address: [email protected]. If you take longer than 48 hours to contact us, you risk that your claim is delayed or rejected.
We aim to process claims within 48 hours. Once we receive all the required documentation – which includes proof of ownership – we will make a decision about your claim within 48 working hours. If we approve the claim, you will need to pay the policy excess to let us proceed with the claim. Make sure that you provide us with all the required documentation and pay the excess as quickly as possible – any delay may make the process take longer.
If your claim is for damage, we will ask you to send the gadget to our nominated repair centre where can inspect and repair it. We aim to repair or replace items within 5 to 7 working days.
Can I Insure A Gadget That Belongs To My Child?
A benefit of insuring with Gadget Cover is our family cover which enables you to insure gadgets within your family e.g. a smartphone or tablet that belongs to a person who is under 18 years of age. Our family cover plan provides insurance to owners of gadgets such as mobile phones or tablets who are younger than 18 years of age and cannot sign the insurance contract on their own. Once your child turns 18 years old, you’ll be able to transfer the insurance cover to their name easily.