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Travel Insurance with Gadget Cover

Today’s world is powered by modern technology. So naturally when you go on holiday your gadgets tend to go with you: smartphones, fancy cameras, super-cool laptops, and e-readers.

As much as you love your gadgets you can’t always stop them from being accidentally damaged or stolen. However, you can protect them through gadget travel insurance. It means you can rest easy on your holiday without having to wrap each item in layers of bubble wrap and super-gluing them to your hands. 

Travel Insurance with Gadget Cover

So is there really such a thing as travel insurance with gadget cover to protect your precious technical equipment? You bet there is! And is this cover extra or is it included with your travel insurance that’s being taken out anyway? Well, gadget cover can be added to an existing travel insurance policy you may have. Or you may prefer to take out a new policy specifically designed for your gadgets. We’ll help you decide. You’ll be able to add gadget cover once you have chosen your travel insurance provider and clicked through to their website, this is because it isn’t an option to add in our journey as it is not something offered with every provider.  


What does gadget insurance cover?

If you want to safeguard your electronic devices during your trip abroad, you’ll need some kind of gadget travel insurance. 

The bolt-on option would be an addition to the standard personal possessions cover that your travel policy will usually offer, which could cover your wallet, purse or handbag i.e. the things you carry about with you on your person.

Travel gadget insurance provides protection against:

  • Accidental Damage:  If your gadget’s been damaged accidentally then your travel and gadget insurance will cover costs of repair.
  • Theft: Tales of pickpockets targeting tourists are legendary. So if your piece of tech has been stolen your travel insurance with gadget cover will replace it, or the parts that have been swiped.
  • Liquid Damage: The thing about modern technology is that our gadgets aren’t waterproof. So if you get a bit too close to the pool and your electronic device slips out of your fingers after you’ve had one too many sangrias, your travel insurance gadget cover will replace it. 

What items are covered in my travel insurance policy?

Here’s the best part. In most cases travel insurance with gadget cover will cover pretty much all electronic devices and handheld technology. Hooray! 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 most certainly covered include:

  • Mobile phone (smartphone / iPhone)
  • Laptop
  • Digital Camera / Camera Lenses
  • iPad / Tablet
  • Games Console
  • MacBook
  • iPod / MP3 Players
  • Kindle / e-reader
  • PDA
  • Sat Nav
  • DVD Player
  • In-car computers
  • Bluetooth headsets
  • Headphones / Earphones

What are the different levels of gadget insurance?

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:

  • Single trip: which offers cover for up to 90 days
  • Long stay: which offers 12 month cover
  • Annual multi-trip: which can offer cover for an unlimited number of trips within a 12 month period, subject to a maximum trip duration of either 31 days, 45 days, 62 days or 92 days.

Compare travel insurance with gadget cover

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.

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