Mobile phone and gadget travel insurance

Mobile phones, wearables, tablets and laptops are indispensable pieces of holiday kit for many of us. But what if your smartphone fell in the swimming pool, or your Kindle or camera was stolen while you were away? To make sure they’re protected, you may want to consider mobile phone and gadget travel insurance.

Mobile phones, wearables, tablets and laptops are indispensable pieces of holiday kit for many of us. But what if your smartphone fell in the swimming pool, or your Kindle or camera was stolen while you were away? To make sure they’re protected, you may want to consider mobile phone and gadget travel insurance.

Josh Daniels
From the Travel team
3
minute read
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Posted 18 FEBRUARY 2020

Why would I need travel insurance with gadget cover? 

You might assume that mobile phones and other gadgets are covered by your travel insurance as standard. But the fact is, not all travel insurance policies include gadget cover.   
 
Those that do usually have low pay-out limits for tech equipment like mobile phones and tablets. In some cases, this could be as little as £100 for a single item, or around £250 in total.  
 
If you’re taking a high-spec smartphone, Kindle and fitness tracker with you, this won’t be nearly enough to cover their value.  
 
Gadget travel insurance offers extra protection and higher limits for expensive tech items. This could be between £1,000 - £3,000, depending on the insurance provider and the level of cover you choose.

CORONAVIRUS UPDATE 

A travel traffic light system has been introduced for international travel. From 19 July 2021, trips to green and amber listed countries are legally permitted if you live in England and Scotland. However, you’ll still need to fulfil any pre-departure requirements, such as testing. If you live in Wales and Northern Ireland, you still need to follow the rules for your relevant local authority.

If a country is on the green or amber list, you still need to check the latest travel advice and entry requirements for each country you visit or transit through. This is to ensure you’re aware of any specific requirements relating to entry and to check travellers from the UK are permitted. Countries can have their traffic light status changed at short notice and you should take this into consideration when looking to travel. Please check the Foreign, Commonwealth & Development Office (FCDO) advice for the latest information.

The FCDO currently advises against all but essential travel to red listed countries. Should you choose to travel against the FCDO rules, you will not be covered by any travel insurance policy you purchase. Some providers do offer cover for international travel if you’re travelling for essential purposes, however most do not. In all cases, should you have any queries please check the policy wording or contact your chosen provider before purchasing to ensure the cover meets your needs.

Travel within England, Scotland and Wales is permitted under the current guidelines. However, public health rules and lockdown restrictions continue to vary, including entry restrictions for Northern Ireland. Check the latest guidance from the official tourism boards for England, Scotland, Wales and Northern Ireland.

Find out more here

Customers with more serious pre-existing medical conditions

Our panel includes insurance providers who quote cover for all medical conditions declared on our website, with no exclusions.

The Money and Pensions Service (MaPs) has launched a directory of insurance providers on its Money Advice Service website that may be able to provide quotes over the phone, if you have more serious medical conditions. Find more information at the Money Advice Service or by calling the British Insurance Brokers’ Association on 0370 950 1790.

What types of gadget travel insurance are available?

There are a few choices open to you. You can: 

  • Buy separate standalone gadget-only travel insurance. This might be the best option for you, if you want to cover very valuable pieces of kit. 
  • Add gadget insurance as an optional extra to your standard travel insurance policy 
  • Insure your tech with a dedicated gadget insurance  policy – just make sure it covers you abroad 
  • Find home contents insurance with cover for personal possessions abroad. 

What items are covered by mobile phone and gadget insurance?

Specific gadgets may vary for each insurance provider. Items covered will be listed in your policy document. These usually include: 

  • mobile/smart phone 
  • tablet/ iPad 
  • laptop 
  • camera 
  • games console 
  • Kindle 
  • wearables such as Fitbit 
  • GPS sat nav 
  • Bluetooth headsets/earphones 
  • accessories like chargers 

What cover does mobile phone and gadget insurance provide?

Cover may vary between insurance providers, but a good policy could include: 

  • accidental damage, loss or theft 
  • water damage 
  • unauthorised web data usage 
  • unauthorised phone calls 
  • higher single item and total limits 

What else should I check before buying mobile phone and gadget insurance?

There are a few things to think about before you take out gadget travel insurance, to make sure you get the policy that’s right for you.  

  • Check to see if your mobile phone and gadgets are already covered under any other policies. For example, check your personal possessions cover included in your home insurance. And check your insurance through your bank account, or insurance you bought when you took out your mobile phone contract.  
  • Check the excess amount, as this will be deducted from the pay-out if you have to make a claim.  
  • Many policies don’t include ‘new for old’ cover. If your gadget isn’t brand new, your insurance provider might only offer a refurbished replacement of a similar age.  

Always read the policy wording carefully before buying extra insurance, so you know exactly what the excesses, limits and exclusions are.  

Where can I compare travel insurance?

You can compare travel insurance, right here.  
 
We can help you look for the right level of cover, at a competitive price.  
 
But please note, at Compare the Market currently we don’t compare quotes specifically for gadget insurance. 

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