Gadget Insurance for a single premium

Cover multiple gadgets with Bestpricefs

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Cover multiple gadgets for a single premium

Protect multiple gadgets in your home for less with gadget insurance and, in so doing, protect your home insurance premiums. Cover is provided for everything from mobile phones (inc smartphones), iPads, MacBook’s, laptops, through to digital cameras within the household . For a one-off single premium, you can protect up to £5000 of goods.

Electronic gadgets are now an important part of everyday lives and many of us depend on them for handling a multitude of tasks from simply keeping in touch or for important financial transactions involved in shopping and banking. Think of the number of gadgets you have in your household because insuring these separately would be a very costly exercise. In a typical household there is normally 2 - 4 phones, multiple laptops, tablets, iPads, and do not forget cameras, sat navs, games consoles and much more.

In addition to the inconvenience, if gadgets are lost, stolen or damaged, the cost of repairs or replacement can be expensive.

Levels of cover

Choose your level of cover from highly competitive rates. For a single annual premium cover is provided for up to £5000.

Peace of mind

Cover provided to protect multiple gadgets within the household up to the cover level selected by you.

Incidents Covered

Accidental Damage, Theft, Accidental Loss, Breakdown, Liquid Damage, Fraudulent call cover

Cover for your policies

The policy offers a range of cover levels from £1000 to £5000 on a single policy. No need for individual policies per product.

This Gadget policy entitles you to repair or replacement of your gadget or mobile phone in the event of accidental damage, theft, accidental loss, breakdown, liquid damage or malicious damage. Cover is also provided for fraudulent calls if your phone is lost or stolen.

It will provide cover without the need for you to claim on a main motor or household policy, keeping No Claims Discounts intact and/or premiums low. However, there are small excess fees applicable to claims which are detailed in both the FAQ’s under the question “What level of cover can I choose” and policy wording. Cover is also automatically extended to include use of the gadget anywhere in the world up to a maximum of 90 days in total during the period of insurance.

What does the insurance provide

Gadget Insurance provides cover for the following items for a single premium

Mobile Phones, Mac Books, iPad, Tablets, Smart watches, Health and Fitness gadgets or similar e.g fitbit, Jawbone, Go Pro, Headphones, Camcorder, MP3 / iPod or similar, Sat Nav, Wireless speakers, Cameras, VR Headset, E Reader, Games consoles.

What is Covered

Gadget(s) are covered up to a maximum sum per gadget depending on the level of cover you choose, please check the FAQs and policy wordings for full details. The maximum sum per claim and total claim limit can be found on your Schedule of Insurance for the following:

Accidental Damage

If your gadget is damaged as the result of an accident or malicious damage it will be repaired. If your gadget cannot be economically repaired, it will be replaced.


If your gadget is stolen, it will be replaced. Where only part or parts of your gadget have been stolen, only that part or those specific parts will be replaced.

Accidental Loss

If you accidentally or unintentionally lose your mobile phone it will be replaced. No other type of gadget is insured for accidental loss.


If your gadget suffers electrical breakdown which occurs outside of the manufacturers guarantee period, it will be repaired. If your gadget cannot be repaired, it will be replaced. This cover is not available on laptops or computers.

Liquid Damage

If your gadget is damaged as a result of accidentally coming into contact with any liquid, it will be repaired. If it cannot be economically repaired, it will be replaced.

Fraudulent Call Cover

If your mobile phone is accidentally lost or stolen and is used fraudulently, you will be reimbursed for the costs upon receipt of your itemised bill up to the maximum value of £2500.

What is not insured?

As with all insurance policies of this type there are limitations and certain things that are not covered. The most significant exclusions of this policy are as laid out below. This is not exhaustive and other exclusions that are significant to you may apply, please check the policy wordings for full details.

  • Gadgets that are over 36 months old at the time of purchasing the policy.
  • Gadgets must be purchased in The United Kingdom of Great Britain & Northern Ireland, the Isle of Man, or the Channel Islands.
  • Proof of Usage; evidence from your network provider that a phone has been in use since policy inception and up to the point of a claim maybe requested.
  • An excess payment applies to all claims.
  • Loss of data or software.
  • Any loss of a SIM card.

Cover is subject to the terms and conditions of the policy. All premiums are inclusive of Insurance Premium Tax (IPT) which is 12%.