Gadget means portable electronic item(s) insured by this policy which belongs to you, as evidenced by proof of purchase or evidence of ownership, which are no more than 36 months old at the time this policy was first incepted.
For the purpose of this definition, a gadget can be any of the following items:
Digital cameraslaptopse-readersPDA’smobile phonesportable gaming consolessatellite navigation devicessmart phonestablets/phabletswearable technology (such as a smart watches or health and fitness trackers)
What are you covered for?
Accessories up to £50
Business use (providing you own the gadget as a private individual)
Unauthorised use of an e-Wallet facility on your gadget up to £50 following theft
Unauthorised calls, texts or data use up to £500 following theft or accidental loss
Student use in university halls/residences and schools providing they live at your main address
Worldwide cover for up to 120 days with a UK repair
There is no limit to the number of claims you can make (up to a maximum payment limit of £2,000).
What aren't you covered for?
Claims within the first 7 days of purchasing a policy with us.
New for old - repairs may be with refurbished or unbranded parts with a 12 month warranty.
Claims if the claim limit of £2,000 is reached
Loss where reasonable care wasn’t taken to protect your gadget
Gadgets more than 36 months old at the time this policy was first incepted
Gadgets purchased outside of the United Kingdom
Laptops (including MacBook’s) in respect of accidental loss or breakdown.