Gadget Cover provides protection for eligible personal electronic devices during your trip.
It is underwritten by Collinson Insurance, a trading name of Astrenska Insurance Limited, and administered by Bastion Insurance Services Ltd.
Cover is subject to the gadget meeting the policy's eligibility criteria and the applicable limits shown on your policy schedule.
Eligible gadgets can include:
Mobile phones and iPhones.
iPads and tablets.
Cameras and camera lenses.
MP3 players.
Games consoles.
Video cameras.
GoPros.
Smartwatches.
Bluetooth headsets.
Satellite navigation devices.
PDAs.
E-readers.
Headphones, earphones and earbuds.
Laptops.
Drones and wearables are not covered.
Electronic devices that do not fall within the policy's definition of a gadget are also excluded.
To be covered, your gadget must meet the policy criteria.
This includes requirements relating to:
Evidence of ownership.
Where and how the gadget was purchased.
Its age.
Its condition.
Any previous repairs.
At the time the policy is initially purchased:
Most gadgets must be less than 6 years old.
Laptops must be less than 18 months old.
Second-hand, used or refurbished gadgets must:
Have been purchased from a retailer rather than an individual.
Have been supplied with at least a 12-month warranty.
Meet the other eligibility requirements of the policy.
You must be able to provide evidence of the warranty if required.
When the policy is taken out, the gadget must:
Be in your possession.
Be in good working condition.
Not already be accidentally damaged.
Not have previously been repaired using non-manufacturer parts.
You must also be able to provide suitable evidence of ownership.
If your gadget is accidentally or maliciously damaged during your trip, the policy can arrange for it to be repaired.
If it cannot be economically repaired, it can be replaced, subject to the policy's claim settlement terms and limits.
If your gadget is stolen during your trip, it can be replaced.
If only part of the gadget is stolen, only the affected part or parts will be replaced.
Specific security requirements apply, including rules about unattended gadgets, accommodation and vehicles.
Cover can apply if you accidentally or unintentionally leave your gadget somewhere and are permanently deprived of its use.
You must be able to clearly identify the circumstances of the loss, including when and where you last had the gadget.
Cover can apply if your gadget suffers a sudden electrical breakdown during your trip outside the manufacturer's guarantee period.
If it cannot be economically repaired, it can be replaced.
Breakdown cover does not apply to laptops.
Cover can apply if your gadget is accidentally damaged by liquid during your trip.
Liquid damage is not covered where the incident occurs:
While taking the gadget onto a boat or other water vessel, except a ferry or cruise ship; or
While taking part in water activities.
If your mobile phone is lost or stolen and your claim is covered, the policy can reimburse eligible fraudulent:
Calls.
Messages.
Downloads.
Data usage.
Cover is available up to £2,500 for one claim, subject to receiving an itemised bill.
The unauthorised use must take place between the time the phone was lost or stolen and a maximum of 24 hours after you discover the incident.
Yes, subject to the policy conditions.
If your main gadget claim is accepted, accessories that are accidentally lost, stolen or damaged at the same time as the gadget can be covered up to £150.
Accessories can include:
Chargers.
Carrying cases.
Headphones.
Hands-free mounting kits.
USB cables.
For this cover to apply, accessories must meet the policy definition, including being purchased in the UK.
SIM cards and wearables are not covered.
Accessories that were not attached or connected to the gadget at the time of the incident are not covered.
If your gadget is replaced with a different make or model and your existing accessories can no longer be used, replacement accessories may also be covered up to £150.
If your gadget supports location or locking features, you should activate them where available to help locate or secure the device.
If you believe your gadget has been stolen, report the theft to the police.
Do not attempt to retrieve a gadget yourself if you believe it has been stolen or you are unfamiliar with the location.
You may also need to provide:
Evidence of ownership.
Proof of usage.
A crime reference number for theft.
A lost property reference for accidental loss.
Details of any other insurance, warranty or guarantee that may apply.
The Single Article Limit is the maximum amount payable for any one gadget.
The amount depends on the Gadget Cover shown on your policy schedule.
The total amount payable for all gadget claims is also subject to the overall limit of liability for your cover.
Yes. Examples include:
Wear and tear or gradual deterioration.
Cosmetic damage that does not affect the gadget's safety or performance.
Manufacturer defects or recalls.
Routine servicing, maintenance or cleaning.
Repairs carried out by someone not authorised by the insurer.
Damage caused by using non-manufacturer-approved accessories.
Loss of data or software.
Loss of a SIM card.
Gadgets left unattended in circumstances excluded by the policy.
Gadgets being transported by a third-party courier or postal service.
Claims where proof of usage cannot be provided.
Gadgets that do not meet the policy's eligibility criteria.
Important: All cover is subject to the policy terms, conditions, exclusions, cover limits and any applicable excess.
