The optional Gadget Cover add-on provides cover for eligible personal electronic devices while you are travelling.
Gadget Cover is underwritten by Collinson Insurance, a trading name of Astrenska Insurance Limited, and administered by Bastion Insurance Services Ltd.
Cover is subject to the maximum benefit limits, single article limits, policy terms, exclusions and applicable excess.
Eligible gadgets include:
Mobile phones and iPhones.
Tablets and iPads.
Digital cameras and camera lenses.
Video cameras and GoPros.
Laptops.
E-readers.
Smartwatches.
Bluetooth headsets, headphones, earphones and earbuds.
Satellite navigation devices (SatNavs).
PDAs.
Games consoles.
MP3 players.
The following are not covered under the gadget definition:
Smart eyewear.
Smart rings.
Smart clothing.
Drones.
Each gadget must meet the policy's eligibility requirements.
Your device must:
Be in full working order before your trip begins.
Be free from any pre-existing physical damage.
Not have previously been repaired using non-manufacturer parts.
The gadget must be legally owned or leased by you.
You will need to provide evidence of ownership if you make a claim.
At the time of purchase of the policy:
Most gadgets must be no more than 6 years old from the date they were originally purchased as new.
Laptops must be no more than 18 months old.
The value of each individual device must fall within the Single Article Limit for your selected level of cover.
If a device is worth more than the applicable Single Article Limit, it does not qualify for cover under the Gadget Cover section.
Your device must have been obtained through one of the following accepted methods:
Purchased new from a UK or overseas VAT-registered business, or the local equivalent.
Purchased used or refurbished from a UK retailer with at least a 12-month commercial warranty.
Received as a gift where you can provide a valid UK gift receipt.
If your device was purchased used or refurbished, you will need to provide evidence of the required warranty if you make a claim.
If your gadget is accidentally damaged or deliberately damaged by another person, the policy can cover:
Professional repair of the device.
Replacement if it cannot be economically repaired.
If your gadget is stolen, the policy can cover its replacement.
If only part of the device is stolen, cover may apply to replacement of the affected part.
Cover applies if you accidentally or unintentionally lose your eligible gadget while travelling.
Cover can apply if your gadget is accidentally damaged by liquid.
However, liquid damage is not covered where it results from:
Taking the device into the water.
Taking the device onto a private boat.
Using the device during water sports.
Liquid damage occurring while you are on a commercial cruise ship or public ferry remains covered, subject to the policy terms.
Cover can apply if an eligible gadget suffers a sudden mechanical or electrical breakdown after the manufacturer's warranty has expired.
This breakdown cover does not apply to laptops.
If your mobile phone is lost or stolen and is then used fraudulently, the policy can reimburse unauthorised charges for:
Calls.
Messages.
Downloads.
Data usage.
Cover is limited to a maximum of £2,500.
Eligible charges must have been incurred between the time the phone was lost or stolen and no later than 24 hours after you became aware of the incident.
Yes, but only where the main gadget claim is accepted.
Accessories that are lost, stolen or damaged at the same time as the insured gadget can be covered up to a combined maximum of £150.
Examples include:
Chargers.
Carrying cases.
Headphones.
Hands-free mounting kits.
USB cables.
Important: All cover is subject to the maximum benefit limits and Single Article Limits shown in your Table of Benefits, together with the policy terms, conditions, exclusions and applicable excess. Please refer to your policy wording for full details.
