gadget cover on travel insurance

June 1, 2020

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Travel Insurance with Gadget Cover

Head off on your travels with confidence, knowing your gadgets are protected. Our Travel Insurance with Gadget Cover offers comprehensive protection for your electronic devices, ensuring peace of mind on your adventures. Expertly crafted for modern travel needs, our policy safeguards your digital companions against accidents, theft, and more.

Overview of Gadget Cover Extension

Traveling brings adventures and memories, but also the unexpected. In today’s digital world, our gadgets are our lifelines, keeping us connected and capturing our experiences. Recognizing this, we’ve meticulously designed our Travel Insurance with a specialized Gadget Cover Extension, ensuring that your electronic companions are safeguarded throughout your journey.

Our Gadget Cover Extension is a testament to our commitment to comprehensive travel insurance solutions. It is thoughtfully administered by Pier Insurance Managed Services Ltd and underwritten by Collinson Insurance, entities renowned for their proficiency and reliability in insurance services. This collaboration highlights our dedication to offering not just insurance, but a promise of security for your gadgets.

This extension is more than just a feature; it’s a reflection of our understanding of modern travel needs. Whether you’re a professional capturing landscapes on your camera, a traveler navigating unknown streets with your GPS, or staying in touch with loved ones through your phone, our cover ensures that a mishap with your gadgets doesn’t dampen your travel spirits.

The Gadget Cover Extension seamlessly integrates with our travel insurance policy, offering a cushion of protection for a wide range of electronic devices. This integration illustrates our holistic approach to travel insurance, where we address all aspects of your travel needs, including the safety of your gadgets.

In the following sections, we delve deeper into the specifics of what’s covered, the conditions for eligibility, the easy-to-navigate claims process, and the exclusions to be aware of. We also share insights into our rich history in gadget insurance and why choosing our Gadget Cover gives you an edge in safeguarding your travel essentials.

Embark on your journeys with peace of mind, knowing that your gadgets, which are integral to your travel experience, are protected under our expertly crafted Travel Insurance with Gadget Cover Extension.

Eligibility and Conditions for Gadget Cover

Our Gadget Cover Extension is designed to provide comprehensive protection for your gadgets while you travel, but it’s important to understand the eligibility criteria and conditions that apply. This ensures that you can make the most of this cover, with a clear understanding of its scope and limitations.

Eligibility Criteria:

• Purchase Origin : Gadgets must have been purchased as new or refurbished directly from the manufacturer or network provider within the UK. This criterion is vital to ensure the authenticity and quality of the covered gadgets.
• Age of Gadgets : At the inception of your trip, your gadgets should not be more than 6 years old. This condition helps maintain a standard of functionality and reliability for the gadgets insured under the policy.
• Condition at Time of Policy Purchase : The gadgets should be in good working order and condition at the time of purchasing the policy. This requirement is essential to assure that the gadgets are fit for use and free from pre-existing damages.

Key Conditions:

• Proof of Ownership : Evidence of ownership is required to validate your claim. This could be in the form of a purchase receipt, delivery note, or, for mobile phones, confirmation from your Network Provider of usage.
• Gadget Usage Evidence : In the case of a claim, you need to provide proof that the gadget has been in use since the policy inception. For mobile phones, this information can typically be obtained from your Network Provider.

Covered Gadgets: Our Gadget Cover Extension is inclusive, covering a wide range of electronic items. These include, but are not limited to, Mobile Phones, Tablets, iPads, E-readers/Kindles, Sat Navs, Handheld Games Consoles, Portable DVD players, Headphones, Wireless Speakers, Cameras, Laptops, iPods/MP3 Players, and Smart Watches.

This eligibility and conditions framework for our Gadget Cover Extension ensures that our customers receive a fair, transparent, and comprehensive gadget insurance solution. It reflects our commitment to providing an insurance cover that is both reliable and tailored to the needs of modern travelers. As you prepare for your journey, rest assured that with these eligibility and conditions met, your gadgets are well-protected, allowing you to travel with ease and confidence.

Coverage Details

The Gadget Cover Extension within our Travel Insurance policy offers a robust safety net for your gadgets while you explore the world. Understanding the specifics of what this cover entails is crucial for appreciating the full extent of protection provided. Here are the key aspects of our Gadget Cover Extension:

1. Repair Coverage:

• Accidental Damage : In the event of accidental damage during your trip, we cover the cost of repairs. This ensures that mishaps don’t lead to financial burdens or disrupt your travel plans.
• Electrical or Mechanical Breakdown : If your gadget suffers a breakdown outside the manufacturer’s guarantee period while on your trip, we’ve got you covered. This aspect is particularly beneficial for those carrying older models of gadgets.

2. Replacement Coverage:

• Accidental Loss or Theft : Should your gadget be accidentally lost or stolen during your trip, we provide for its replacement. This feature is pivotal, especially in unfamiliar environments where the risk of loss or theft can be higher.
• Partial Loss : In scenarios where only parts of your gadget are lost or stolen, we cover the replacement of those specific parts, ensuring that your gadget is restored to its full functionality.

3. Unauthorized Use Coverage:

• Mobile Phones : If your mobile phone is lost or stolen and subsequently used fraudulently, we reimburse the cost of unauthorized calls or data downloads. This aspect of the cover is significant in today’s connected world, where mobile phones are essential for navigation, communication, and information.

4. Utilization of Original or Comparable Parts:

• In repairs, we strive to use original parts. However, if unavailable, we ensure that unbranded parts of comparable quality are used. This policy ensures that your gadget maintains its functionality and integrity post-repair.

5. Warranty Assurance:

• In cases where repairs authorized by us invalidate your manufacturer’s warranty, we take over the responsibility of repair or replacement for the remaining period of the warranty. This unique feature offers peace of mind, knowing that your gadget’s warranty is protected.

Our Gadget Cover Extension is designed to address a wide range of scenarios that could affect your gadgets while traveling. By offering comprehensive coverage that spans from repairs to replacements and unauthorized use, we ensure that your travel experiences remain uninterrupted and free from the worry of gadget-related contingencies. With this cover in place, your journey can be truly about exploration and enjoyment, with the assurance that your digital companions are well protected.

Exclusions and Limitations

While our Gadget Cover Extension offers comprehensive protection for your gadgets during travel, it is important to be aware of certain exclusions and limitations that apply. Understanding these will help you better prepare and manage your expectations regarding the coverage. Here are the key exclusions and limitations:

• Costs where the excess has not been paid will not be covered.
• Damage caused by deliberate neglect or failure to follow manufacturer’s instructions.
• Routine servicing, inspection, maintenance, or cleaning.
• Manufacturer’s defects or recalls.
• Repairs not pre-approved by us or carried out by non-manufacturer approved repairers.
• Liquid damage to gadgets involved in water activities or taken on water vessels.
• Cosmetic damage like scratches, dents, and other defects that do not affect the gadget’s functionality [pages 28].
• No coverage for gadgets left unattended in a public place or in luggage during transit unless locked in a safe or safety deposit box.
• Losses where precautions have not been taken or where the gadget is left behind after disembarking transport are not covered.
• Theft or loss must be reported to the police within 48 hours and a report obtained [pages 28, 29].
• Mechanical breakdown of laptops and loss, damage, or theft of drones.
• Claims without supporting evidence of ownership or insurance valuation.
• Loss or damage due to delay, confiscation, or detention by customs or other authorities.
• Unreported loss or theft of baggage or valuables within 24 hours.
• Claims related to currency without evidence of withdrawal [pages 22, 27, 29].
• Costs for unreported unauthorized calls or data usage exceeding £1,000.
• Reimbursement claims without an itemized bill from the service provider [pages 29].
• Gadgets purchased outside the UK or second hand are not covered.
• Trips to or through certain high-risk countries as specified by the UK Foreign Commonwealth & Development Office.
• Accidental loss where circumstances cannot be clearly identified [pages 29].
• Failure to provide accurate and complete information when taking out, renewing, or making changes to the policy may result in cancellation, voiding, or alteration of the policy terms [pages 10].

It is crucial for policyholders to familiarize themselves with these exclusions and limitations to ensure they fully understand the scope of the Gadget Cover Extension. This knowledge will assist in making informed decisions about gadget protection while traveling and managing claims effectively.

Claims Process and Contact Information

For a smooth and efficient claims process under our Gadget Cover Extension, it’s important to follow the prescribed steps and know whom to contact. Here’s a guide to assist you in case you need to make a claim for your gadgets:

How to Make a Gadget Cover Claim :

• Notification : It’s essential to notify us within 28 days of becoming aware of the need to make a claim. This initial step is crucial to start the claims process.
• Claim Submission : To submit a claim under the Gadget Extension, complete our online Claims Form. This digital approach streamlines the process, making it convenient and accessible.
• Documentation : Keep a copy of all documents sent to us for your records. Depending on the nature of your claim, additional documentation may be required to substantiate it.
• Claims Handling : In certain cases, we may appoint a claims handling agent to facilitate a quick and fair settlement. This step ensures that your claim is managed by experts for the best possible outcome.

Contact Information for Gadget Extension Claims :

• Submit Online : Use the provided Claims Form for online submission.
• Email : For queries or further information, you can email [email protected] .
• Telephone : If you prefer to speak to someone directly, call 0300 3030445 for assistance with your claim.

Complaints and Further Assistance :

• Address: Evolution House, New Garrison Road, Shoeburyness, Essex, SS3 9BF
• Telephone: 0300 3030445
• Email: [email protected]

For complaints or issues not related to the Gadget Cover, contact the AXA Complaints Team at:

• Address: The Quadrangle, 106-118 Station Road, Redhill, RH1 1PR
• Telephone: 0203 409 6240
• Email: [email protected]

Important Considerations :

• Please ensure your policy number is quoted in all correspondence to facilitate a quick and efficient response.
• If it is not possible to reach an agreement, you have the right to appeal to the Financial Ombudsman Service.

Remember, providing accurate and complete information when making a claim is vital. Failure to do so may affect the outcome of your claim [pages 1, 3, 10, 34, 40, 41].

This structured process is designed to make your claims experience as smooth as possible, ensuring that your concerns are addressed promptly and effectively.

Commitment to Customer Satisfaction

Our dedication to customer satisfaction is a cornerstone of the services we provide, especially regarding our Gadget Cover Extension. We understand that traveling with gadgets comes with its set of concerns and our aim is to offer not just insurance, but peace of mind and reliable support.

Responsive and Efficient Claims Handling :

• We ensure that the process of making a claim is as smooth and straightforward as possible. Our team is trained to handle claims efficiently, ensuring that any issues are resolved promptly. This is evident in our structured claims process which facilitates easy submission and quick resolution [pages 3, 34].

Open and Clear Communication :

• Our policy documents are written in clear, understandable language. We believe in transparency, ensuring you have all the information you need about what is covered, the exclusions, and how to make a claim. We also make sure to keep you informed at every step of the claims process [pages 1, 3, 10, 27, 28].

Accessible Customer Support :

• For any questions, concerns, or assistance needed, our dedicated customer support team is accessible via multiple channels. Whether it’s through email, telephone, or our online claims portal, we ensure that help is always just a call or click away [pages 40, 41].

Addressing Complaints and Concerns :

• In the event of a complaint or dissatisfaction, we have a clear, straightforward procedure for addressing and resolving these concerns. We’re committed to fair and just resolutions and continually improve our services based on the feedback we receive [pages 40, 41].

Continuous Improvement :

• We are constantly seeking ways to enhance our services. By listening to our customers and understanding their needs, we make sure that our Gadget Cover Extension and other services evolve and improve continually.

Our commitment to customer satisfaction extends beyond just providing insurance; it’s about offering assurance and support. We understand that trust is earned through consistent, quality service, and we strive to maintain and build this trust with every customer we serve.

Our Gadget Insurance History within Travel Insurance

Since its inception in 2016, loveit coverit has been a trailblazer in gadget insurance, initially focusing on mobile phone insurance in response to the soaring costs of smartphones. This initial foray laid the groundwork for expanding into comprehensive coverage for various electronic gadgets, including laptops, tablets, smartwatches, and game consoles, reflecting a commitment to protect the gadgets that matter to our customers.

In 2022, loveit coverit took a significant leap by integrating this seasoned gadget insurance expertise into the travel insurance sector. This integration meant offering customers the added benefit of gadget protection as a bolt-on option with their travel insurance, further enhancing their travel security.

Supported by the longstanding expertise of Pier Insurance, established in 1999, loveit coverit brings over two decades of insurance acumen to the table. This heritage and experience underscore our commitment to evolving with customer needs, ensuring we offer not just travel insurance but a comprehensive travel experience safeguarded against gadget-related contingencies.

Our journey reflects a deep understanding of the intersections between travel and technology, leading to tailored, reliable, and accessible insurance solutions that cater to the dynamic needs of modern travelers.

Why Choose Our Gadget Cover

When it comes to safeguarding your gadgets during travel, our Gadget Cover Extension offers unparalleled protection and peace of mind. Here’s why you should consider it as an essential addition to your travel insurance:

• Comprehensive Protection : Our Gadget Cover provides extensive coverage for a wide range of electronic devices against accidental damage, loss, theft, and unauthorized use, ensuring your gadgets are protected in diverse travel scenarios.
• Expertise and Reliability : Backed by the experience and knowledge of loveit coverit and Pier Insurance, our cover is designed with an understanding of travelers’ needs, ensuring reliability and confidence in our service.
• Convenient Claims Process : We have a straightforward and efficient claims process, supported by responsive customer service, making it easy to file and manage claims with minimal hassle.
• Adaptability to Customer Needs : Our history of evolving and expanding our insurance offerings reflects our commitment to adapt to changing technology and customer needs, ensuring our cover stays relevant and comprehensive.
• Customer-Centric Approach : Our focus on customer satisfaction, transparent communication, and resolution of concerns ensures that you receive not just insurance, but also the assurance of being supported throughout your travels.

Choosing our Gadget Cover means opting for a product that combines expertise, comprehensive coverage, customer focus, and ease of use, all essential for a worry-free travel experience.

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Gadget cover

Cover for all the tech you couldn’t live without, up to £1.5k cover.

For gadgets that are lost, stolen or damaged in a trip

5 Star rated cover

Our Platinum Travel Insurance has Defaqto's highest rating

Unlimited gadgets

From your camera to your smart watch and more

What’s gadget insurance?

Gadget insurance, also known as gadget cover, is a travel insurance add-on which covers tech items like cameras or mobile phones. It pays for either repairing or replacing lost, stolen or damaged gadgets while you’re travelling. If you choose to add gadget insurance to your travel insurance, we’ll pay up to £1,500 for the gadgets that you need to claim on in a single trip.

Do I need gadget insurance?

Gadget insurance is useful for anyone travelling away with high-value gadgets like cameras, laptops or phones.

You should check whether you're already covered elsewhere:

• On your home or contents insurance - home insurance policies often cover gadgets away from home
• With your phone provider - your phone might still be under warranty, although this usually only applies to mechanical faults

What gadgets we cover

Digital cameras, smart phones, we also cover:.

• Audiovisual and television equipment
• Electronic book readers (Kindles)
• Telescopes and accessories

Check your policy book for the full list.

We'll cover these gadgets up to £1,500 if you bought them new; we can only cover refurbished gadgets from the manufacturer or a reputable retailer.

Guide to your Travel Insurance cover

What isn't covered, gadgets left in public places.

Including tents, cars, hotel storage rooms, or as checked-in baggage.

Wear and tear

We don't cover general wear and tear or gradual deterioration of performance. As the value of gadgets declines over time, we also don't pay out the full cost if the gadget is more than a year old.

Unattended gadgets

We don't cover gadgets you leave unattended unless locked in a safety deposit box where available, or stored safely and hidden from plain view in your locked accommodation.

Mechanical faults

This includes damage caused by the failure of electrical equipment, software, or any associated equipment.

Check your policy book for the list of exclusions.

How to add gadget cover to your policy

For new customers, you can add gadget cover as a policy upgrade when buying your travel insurance . If you’re an existing customer, you can add it to your policy through your travel portal .

How to claim on your gadget insurance

Below are the most common claims, but get in touch with us if you're unsure.

My phone's been stolen

If your phone has been stolen, you need to:

• report any theft to the police or your transport operator within 24 hours
• get a police or property irregularity report for the items stolen
• contact your network provider within 24 hours
• have receipts and any other supporting documents ready
• visit our make a claim page to register your claim with us

Remember to check your excess limits.

I've lost my gadget

Contact your accommodation or transport provider to report your gadget lost in case they locate it. When you're sure it's lost, you need to:

• have receipts, evidence of loss or any other supporting documents ready

My gadget's been damaged

If your gadget's been damaged, you need to:

• take pictures of the damage to your gadget with another device
• have receipts, proof of ownership or any other supporting documents ready

Your excess limits

Excess is the amount of money you pay to your insurance provider if you need to claim. This applies to each insured person for each type of claim you make. For gadget insurance, your excess limits are:


• £50 for Admiral policies

• £50 for Admiral Gold policies

• £50 for Admiral Platinum policies

Always check your policy schedule, as your excess limits might differ if you don't buy directly through us.

Still have questions?

We've answered a bunch of your frequently asked questions.

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Gadget insurance: compare cover for your laptop, smartphone, smartwatch and more

Navigate the options when it comes to gadget insurance

If you’ve never lost your smartphone, cracked the screen of your tablet, or chipped, scraped, smashed or drowned another high-value electronic item, then quite frankly, we salute you. We can see why you'd laugh in the face of gadget insurance.

But the fact is the vast majority of us fall have at one time or another fallen foul of our own clumsiness. And with our devices becoming increasingly expensive – not to mention important to our everyday lives – it’s no wonder specialist gadget insurance is an ever-growing industry.

Traditional home and travel insurance policies are becoming outdated and sometimes fail to cover our mobile devices; the very items that are most likely to get lost, stolen or damaged.

That’s why it's only natural to want to protect our gadgets with an additional insurance package, and you’re in the right place to find out what your gadget policy will cover, what it won’t cover, and who the best insurers are.

What does gadget insurance cover?

Gadget insurance policies can cover a whole array of items – perhaps more than you’d think – encompassing emerging tech as well as old school essentials. The products covered can include smartphones , tablets (including iPads), laptops (including MacBooks), iMacs, smartwatches, sat navs, e-readers (including Kindles) , digital cameras, MP3 players, portable games consoles, VR headsets, drones and more.

• Specifically looking for smartphone cover? Head to our guide on mobile phone insurance

Why do I need gadget insurance?

If you’re prone to losing and damaging your devices, a good gadget insurance policy could save you a lot of time, money and hassle in getting a replacement.

What your insurance covers depends on the insurer and the policy plan. Always take a careful note of exactly what your gadget insurance policy stipulates so you don’t get surprised on a technicality and prevented from redeeming your insurance when you need it.

A typical gadget insurance policy will cover you for accidental damage to your devices, theft, loss and breakdown. Other circumstances you may be covered for (but not always) include liquid damage, the cost of unauthorised calls, texts and data when your phone has been stolen, and malicious damage if someone has taken their anger out on your poor device.

Is there anything my gadget insurance won't cover?

As above, this will depend on your products, the insurer and the specific policy you sign up for, so make sure you read the wording carefully. Water damage and breakage through carelessness, for example, may be covered by some policies but not by others.

Additional factors that could prevent you from being covered are the age of the product (a device you’ve had for two or three years may not fall into the policy), a cap on the pay-out for a single incident, and a limit on the number of incidents the insurer will pay out for each year.

Can I get gadget insurance for travelling?

Yes, you can. Aimed at backpackers and holidaymakers alike, there are insurance policies specifically made to cover gadgets while you travel.

If you already have a travel insurance policy, don’t assume this will cover your gadgets on your trip as many don’t. What may be available, however, is an add-on which extends the travel policy to cover your electronic devices.

You may find that these add-ons aren’t as extensive as a specialist travel insurance policy for gadgets, so if you carry a lot of devices while you travel or they’re of particularly high value, it may be worth shopping around for a separate policy.

For those looking for gadget insurance while travelling, World Nomads are perhaps the major player in the market, but you may also want to get a quote from True Traveller who can offer you a policy even if you’ve already begun travelling. 

Doesn't my home insurance cover gadgets like these?  

If you're currently using your home insurance hoping that will cover your phone, think again. Home insurance only covers the device when in the house and even then it's usually in the event of a burglary or a home fire only.

We have more information on this question in our dedicated Q&A: does my home insurance cover gadgets?

Which gadget insurance providers should I compare?

Among the most popular and well-reviewed gadget insurance policies are Protect Your Bubble, Row.co.uk (covering liquid damage and unauthorised calls as well as the more typical issues) and Loveit Coverit Premium (including unlimited worldwide cover).

If you’re pretty locked in to Apple ’s ecosystem in terms of the devices you own, AppleCare+ may be the insurance policy for you, as this can provides specialist technical support and hardware coverage for iPhones, iPads, Macs, Apple Watches, Apple TV, HomePods and iPods.

Of course, the major mobile networks also offer their own insurance products (you’ve almost certainly had the sales pitch if you’ve bought a device in-store!). For smartphones, the annual cost of these range from £100 to £180, with Three, EE and Vodafone able to replace your phone the very next day. O2 takes 5-7 days with its policy.

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Do you have a gadget you can’t do without? Plenty of us do these days, and that doesn’t change just because you’re on holiday. That piece of technology can be even more vital when we’re abroad. Whether it’s the mobile phone you use to translate or the camera you’re capturing your trip with, we all have something we want to ensure is protected while on holiday.

That’s where travel insurance with gadget cover comes in. This specialist type of InsureandGo travel insurance gives you extra protection for your most valuable items. We can include this additional cover on any of our policies, including worldwide travel insurance or cheap family travel insurance .

What’s Covered in Our Travel Insurance Gadget Cover?

So what’s covered on an InsureandGo gadget insurance policy? When you add extra valuables cover to your policy, we can cover all of the items listed below, up to £2,000 total cover, with a limit of up to £1,000 per single item.

• Photographic, audio, video and electrical equipment (including CDs, DVDs, video and audio tapes and electronic games)
• MP3 players
• games consoles
• personal organisers
• eReaders (including eBooks and Kindles)
• computer equipment
• tablet PCs (including iPads)
• netbook computers
• e-cigarettes and associated vapour liquids
• leather goods
• animal skins
• precious stones and items made of or containing gold, silver or precious metals
• hearing aids
• sports and leisure equipment (e.g. bicycle)
• musical instruments
• mobile phones and mobile phone accessories

Gadget cover is an excellent addition to our activity travel insurance , allowing you to cover your sports and leisure equipment up to a higher limit. If you have our winter sports travel insurance , you can also increase the cover for your winter sports equipment with gadget insurance.

Travel insurance for laptops

If you’re travelling with a laptop our travel insurance for gadgets will protect you from loss, theft or damage while on your trip.

Camera travel insurance

Our gadget travel insurance also protects cameras, which is fantastic news for those who love to take plenty of holiday snaps.

Phone travel insurance

Phones are convenient to have with you on holiday, working as everything from sat navs to translators, and letting us keep in touch with our loved ones at home. Make sure your phone is covered with travel Insurance including gadget cover.

Events covered by our gadget travel insurance

Our gadget travel insurance covers your items for loss, theft or damage while on holiday, but terms and conditions apply.

What you are covered for  After taking off an amount for age, wear and tear and loss of value, we will reimburse you for a valuable item that you have lost or that has been damaged or stolen during your trip. The maximum payment for any one item will be £1000 with a total payment for all items of £2000.  Please note: we reserve the right to apply an additional 10% deduction to any item claimed with a value over £100, following our standard deductions for age, wear and tear and loss of value, where you cannot prove you own it or provide proof of purchase (e.g. original receipts).

Gadget Travel Insurance Exclusions

While we are happy to provide cover for your valuables and gadgets, there are some exclusions to our gadget travel insurance. For example, we will not cover the following under travel gadget insurance;

• downloaded content such as music, books or games
• prepaid minutes you have not used on your mobile phone, or mobile phone rental charges
• fragile items such as china or glass

For a full list of exclusions, please see the policy wording booklet for your chosen level of cover.

Helpful Tips to Keep Your Gadgets and Valuables Safe

While gadget travel insurance protects you should your items be lost, stolen or damaged, it is better to avoid this by following some simple steps.

• Always keep your items on you, or store them in a safe in your accommodation. Keeping your items secure or on your person severely limits opportunities for them to be stolen or damaged.
• Invest in protection for your items. A decent, sturdy cover and screen protector can protect your items from accidental damage while on holiday. 
• Backup your data. Before you leave for your trip, ensure you create a digital backup of all your information.
• Turn off data roaming on your phone. Avoid unexpected costs by switching off your mobile data abroad unless this is included with your plan.
• Remember your chargers. Ensure you’ve packed all your chargers in your hand luggage before leaving for the airport.
• Be cyber safe. Cyber security is just as important as physical security while on holiday. Check out our cyber security tips for travelling .

You should also read our top 10 travel hacks and our 6 essential travel hacks for a comfortable and enjoyable flight .

Gadget Cover FAQs

What is travel insurance gadget cover.

Travel insurance for gadgets is a type of cover add-on which lets you protect your most essential items up to a higher value than the normal policy amount. You can include gadget travel insurance on our single-trip travel insurance and our annual trip travel insurance policies.

Does travel insurance include gadgets?

Travel insurance does cover many items as standard, but gadget travel insurance protects your items up to a higher limit.

Does travel insurance cover for loss of mobile phones?

InsureandGo policies cover the loss or theft of mobile phones while on a trip. However, you should check the cover limits, and if necessary, take out our extra valuables cover to protect your phone.

Do I need travel insurance gadget cover?

To ensure your valuable items are covered sufficiently, you should buy gadget cover for your InsureandGo policy.

How do I add gadget insurance to my policy?

When you buy your policy online, select the “valuables extension” add-on to your policy. Alternatively you can call our UK-based call centre and our team will guide you through the process. You can also add valuables cover to an existing policy by contacting us .

WHAT OUR EXPERTS SAY Nick Heady says, “Don’t underestimate how important your gadgets can be when you travel. We rely on mobile phones for so many things. While it may be nice to enjoy some time away from your screen while on holiday, it’s still a vital piece of equipment. You may not realise how important it is until you can’t use it.”

So wherever your travels take you, ensure your most important items are appropriately covered with gadget travel insurance from InsureandGo. Remember to arrange it as soon as you book your trip.

• Unlimited emergency medical expenses available on Black level policies.
• Based on 2,050 responses, correct as of 22/01/2024

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Travel Insurance with Gadget Cover: A Must-Have for the Modern Traveller

In an increasingly connected world, our reliance on gadgets has never been greater. Whether it’s a smartphone that keeps us in touch with loved ones, a laptop that allows us to work remotely, or a camera that captures our most precious travel moments, our gadgets are our constant companions. But what happens when these gadgets are lost, damaged, or stolen during our travels? This is where travel insurance with gadget cover comes into play. It’s a specific type of insurance policy designed to protect your electronic devices while you’re on the move. 

The importance of gadget cover in travel insurance cannot be overstated. With the high cost of gadgets and the invaluable data they hold, having travel insurance with gadget cover provides not only financial protection but also peace of mind during your travels. As we embark on our journeys, it’s crucial to ensure our digital companions are just as protected as we are.

Travel Insurance with Gadget Cover is A Must-Have for the Modern Traveller

1. What is travel insurance with gadget cover?

Travel insurance with gadget cover is a specific type of insurance policy that protects your electronic devices while you’re traveling. This coverage typically includes protection against accidental damage, theft, loss, and breakdown.

Gadget cover is an optional add-on to travel insurance that you can choose to give you extra protection for your portable gadgets and electronics, like laptops, mobile phones, tablets, and cameras. High-value electronics will often fall outside of the per-item limit for baggage cover and the terms of standard travel insurance may not cover your gadgets if something happens to them while you’re out and about.

Your electronic devices will be protected when having travel insurance with gadget cover

2. What are the key features of holiday insurance with gadget cover?  

Accidental damage .

This covers your gadgets if they are damaged accidentally. For instance, if you drop your smartphone and the screen cracks, accidental damage coverage would cover the cost of repairs.

Theft 

If your gadget is stolen while you’re traveling, theft coverage would compensate you for the value of the gadget. It’s important to note that you’ll usually need to report the theft to the local police within a certain timeframe to be eligible for a claim.

If you lose your gadget while traveling, loss coverage would compensate you for its value. Some policies might differentiate between loss and theft, so it’s important to understand the terms of your policy.

This covers your gadgets if they break down outside of the manufacturer’s warranty period. This could be due to mechanical or electrical faults.

Unauthorized Usage 

If your phone or tablet is stolen and used without your permission, some policies will cover the cost of unauthorized calls, messages, downloads, or data usage.

Holiday insurance with gadget cover is designed to protect your electronic devices while you’re on the move

3. What are limitations or exclusions of holiday insurance with gadget cover?  

While travel insurance with gadget cover provides valuable protection for your devices, it’s important to be aware of certain limitations and exclusions that might apply

Maximum Limit 

There may be a maximum limit on the value of each travel insurance with good gadget cover, as well as a total limit for all gadgets. This means that high-value items may not be fully covered.

Older Gadgets 

Some policies may not cover older gadgets or those bought outside of your home country.

Wear and Tear or Misuse 

Policies often exclude coverage for damage resulting from wear and tear or misuse.

Unattended Gadgets 

If your gadget is left unattended in a public place and it gets stolen, your policy may not cover it.

Reporting Theft 

If you fail to report a theft to the police within a specified period, your claim could be invalidated.

Some policies may not cover unauthorized usage. For instance, if your phone is stolen and used to make calls or use data, those costs may not be covered.

4. What are types of gadgets typically covered?  

Travel insurance with good gadget cover typically extends to a wide range of electronic devices that travelers commonly carry. Here are some types of gadgets that are usually covered:

• Smartphones
• Game Consoles
• Audio Devices
• Accessories

It’s important to note that the specific gadgets covered can vary between insurance providers and policies, so always check the policy details carefully to find best travel insurance for gadget cover.

Travel insurance with gadget cover provides not only financial protection but also peace of mind

5. Why is holiday insurance with gadget cover important?  

Valuable gadgets , our gadgets, such as smartphones, laptops, and cameras, are often high-value items. losing these or having them stolen or damaged can result in significant financial loss., personal data .

Our gadgets often contain personal and sensitive data. Losing access to this data or having it fall into the wrong hands can be distressing and potentially harmful.

Increasing Dependence

We are increasingly dependent on our gadgets, especially when traveling. They serve multiple purposes - from navigation and communication to entertainment and work.

Peace of Mind 

Knowing that your gadgets are covered provides peace of mind, allowing you to focus on enjoying your trip rather than worrying about your devices.

Cost-Effective 

In the event of loss or damage, the cost of replacing or repairing a gadget can be much higher than the cost of insurance.

Remember, while we hope none of these scenarios occur, it’s always better to be safe than sorry. Having travel insurance with gadget cover can provide peace of mind during your travels. No matter how long you travel, annual  or single trip travel insurance with gadget cover is a preparation worth investing in your travel checklist. 

6. Is Gadget Cover Included in Standard Travel Insurance? 

Standard travel insurance often doesn’t include gadget cover, leaving high-value items like smartphones, laptops, and cameras potentially unprotected. If you’re traveling with such gadgets, it’s vital to check your policy and consider adding gadget cover or seeking a specialized policy.

The ‘single item limit’ is another crucial factor. It’s the maximum payout for a single item, which could be less than the value of your gadget. For instance, a $500 limit won’t fully cover an $800 gadget.

So, if you’re traveling with high-value gadgets, ensure your policy includes sufficient gadget cover and check the single item limit to avoid any financial loss due to loss, theft, or damage.

7. How to insure travel insurance with good gadget cover 

Insuring your gadgets while traveling abroad is an important consideration for any traveler. Here are some ways to ensure your gadgets are protected:

Travel Insurance with Gadget Cover 

Many travel insurance providers offer the option to add gadget cover to your policy. This can provide protection for your gadgets against loss, theft, or damage while you’re abroad.

Dedicated Gadget Insurance 

There are insurance providers who specialize in gadget insurance. These policies often provide worldwide cover, ensuring your gadgets are protected no matter where you travel.

Home Insurance 

Some home insurance policies include cover for personal possessions outside the home, which can include your gadgets. It’s worth checking your policy to see if this cover is included.

Remember, it’s crucial to read the terms and conditions of any insurance policy carefully to understand what is covered and what is not. This will help ensure you have the best travel insurance for gadget cover. 

In conclusion, the importance of travel insurance with gadget cover cannot be overstated. It provides a safety net for your valuable devices while you explore the world.  

Travelner Insurance , with its comprehensive coverage and customer-centric approach, stands out as a reliable choice. Our travel insurance plans are designed to cater to the needs of the modern traveler, ensuring that your gadgets are protected. So, as you plan your next adventure with travel insurance with gadget cover to enjoy wonderful moments in your trip. Let’s Travelner Insurance be a trust companion on your trips. 

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Enhanced Gadget Travel Insurance

Every day, we are becoming more and more attached to our gadgets and we take our personal tech everywhere we go.

For both business trips and holidays, ensuring that your travel insurance includes gadget cover is essential.

At Start Travel, we include gadget cover in all our standard travel insurance policies. The value to which your gadgets are covered depends on the level of cover you opt for, details of which can be viewed below:

• 3 star - £500
• 4 star - £500
• 5 star - £750

As gadgets become more advanced, so does their value, which is why in addition to our standard cover, we also provide an enhanced gadget cover add on, which can be applied to any of our single trip or annual multi-trip policies.

Enhanced gadget cover offers you a higher level of financial protection for your gadgets during your trip:

• 3 star - £1,000
• 4 star - £2,000
• 5 star - £3,000

Business and Holiday Gadget Insurance

For some people an electronic device such as the e-reader or tablet, or a camera are the first things in the suitcase when packing for a holiday – and let’s not forget smartphones that stay by our side no matter what!

Camera Travel Insurance

Whilst for many, a camera is an essential to capture the special holiday memories, losing or breaking your camera can be very costly. Opting for our additional gadget cover offers peace of mind that you have suitable camera travel insurance in place, should something happen.

Laptop Travel Insurance

And for many travelling on business, making sure your laptop is protected by laptop travel insurance is a necessity. With our business and holiday gadget insurance, you won’t have to worry about damages to your work laptop.

Start Travel Enhanced Gadget Travel Insurance

With this in mind, it makes sense to consider travel insurance with enhanced gadget cover when we go abroad.

When travelling, you’re more likely than ever to have more than one expensive gadget with you at the same time, which is why many opt for a travel insurance policy with gadget cover, which offers multi-gadget insurance.

starttravel.co.uk travel insurance with optional gadget cover gives you that extra confidence of knowing that should the worst happen, you and your valuable gadgets are covered!

What does Enhanced Gadget Travel Insurance Cover?

Our single and multi-trip travel insurance will cover some of your gadgets, but our enhanced gadget insurance for abroad will ensure that all your gadgets that you want to take away with you will be protected if they’re damaged, stolen or lost.

Regarding our single and multi-trip travel insurance, there is a limit to how much we will pay out. If you’re planning on taking a lot of gadgets away with you, you can can provide extra cover for your gadgets for a small extra cost by adding enhanced gadget cover to your travel insurance plan.

With our gadget travel insurance add-on, we offer three different levels of cover, from our cheapest gadget cover, 3 star to our most comprehensive cover for gadgets, our 5 star cover. View the table below to compare travel insurance for gadgets offered by Start Travel:

Terms and Conditions apply. Please note, an excess may apply for any claim. For more details, please see the policy wording or call us on 0333 320 1240. The above amounts are based on per person.

Do You Need Holiday Gadget Insurance Cover?

Our enhanced gadget cover is an optional travel insurance add-on perfect for when you want to travel abroad with a large amount of gadgets or particularly expensive tech - from smartphones to cameras to smartwatches.

Our travel insurance with gadget cover will protect your gadgets on holiday - whether they get damaged from the sea and sand or they are lost or stolen. If you are unlucky and lose your gadgets completely our travel insurance gadget cover can help you replace it.

If your phone is stolen and someone uses it, charging high roaming charges to you, you can use our gadget travel insurance to help get reimbursed.

What is Gadget Insurance Cover?

Gadget cover is included in our 3, 4 & 5 Star products with increased limits of cover available.

When added to the policy, our enhanced gadget travel insurance offers you greater protection for all your travel tech including:

• Mobile Phones, Smart Phones
• Laptops and Tablets
• Digital Cameras, Video Cameras and Camera Lenses
• MP 3 Players
• Games Consoles
• Bluetooth Headsets, Head/Ear Phones
• Satellite Navigation Devices
• E-Readers (such as Kindles)
• Wearable Technology (such as Smart Watches or a Health and Fitness Tracker).

Find Out More About Our Business and Holiday Gadget Insurance

If you require travel insurance for gadgets when travelling abroad for holiday or business, simply enter your details and select the ‘Enhanced Gadget Cover’ Option on the options page when obtaining your quotation online .

Alternatively, call us on 0333 320 1240 to get your quote today!

Keeping your gadgets safe when travelling

Whilst gadget insurance cover can provide peace of mind when you are travelling with expensive tech, it doesn’t avoid the upset and inconvenience experienced when gadgets get damaged or lost whilst on holiday.

Following these tips will help to keep your gadgets as safe as possible during your trip:

• Back up all your data before going away and make regular back ups during your trip.
• Purchase cases or screen covers for each of your gadgets to help prevent accidental damage.
• Carry any gadgets in your hand luggage.
• Ensure you have password, PIN or biometric lock security features switched on on devices such as tablets or mobile phones, 
• Keep gadgets in your bag when not in use and away from the pool or sea to help prevent water damage.
• Keep your gadgets out of sight when out and about, particularly in crowded areas
• Leave your gadgets in the hotel safe or security box as much as possible, rather than taking them out.

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Travel Insurance & Gadget Cover

Compare gadget travel insurance.

Tommy has over 15 years experience within the insurance industry, and his primary focus is helping travellers find the right cover for their medical conditions.

What is gadget cover travel insurance?

When you’re packing for your next holiday, you’re likely to have your phone, tablet, camera and earphones on your list. All these gadgets and electronic items will likely have cost you a lot over the years, so what would happen if someone stole your laptop? Or if your kindle is accidentally dropped in the pool? Having gadget cover on your travel insurance is always a great extra comfort blanket if you’re going abroad, so should anything happen to your belongings you know you’ve got the cover to replace them when you come home.

Specialist Medical Cover

We only work with providers who specialise in covering pre-existing conditions.

No discounts. No pressure. We’ll always show you the best prices from providers.

Why do I need it?

We love a good holiday abroad each year, but what most people aren’t aware of is that your standard travel insurance probably doesn’t include gadget cover, or it won’t cover the more expensive stuff, like laptops and high-spec cameras. Usually, you’ll be covered up to a certain price limit and you may have to pay your excess to claim for them. So if you’re taking quite a few gadgets, cover for them is definitely worth looking at.

What does it cover?

Usually your insurer will cover most electronic devices and handheld technology. If you’re unsure if a specific gadget you have will be covered then it’s best to get in contact with the insurer before you take out the policy, to be 100% certain it will be covered.

Items that are usually covered include:

• Mobile phone (smartphone / iPhone)
• iPad / Tablet
• Digital Camera / Camera Lenses
• iPod/ MP3 Players
• Games Console
• Kindle / e-reader
• Bluetooth headsets
• Headphones / Earphones

What are the different types of gadget cover?

There are 3 main types of cover when it comes to gadget travel insurance:

• Liquid damage: most of our tech items aren’t waterproof (if only!) so when you’re on the beach, or by the pool it’s good to know that if your device gets water spilled on it then your insurance provider will cover the cost.
• Accidental damage: if your gadget gets accidentally damaged whilst travelling then your provider should cover the costs of the repair.
• Theft: if your tech belongings are stolen then your travel insurer should replace them, or the missing parts.

How do I add gadget cover to my policy?

When getting a quote on our site, all you have to do is make sure you click on the Gadget Cover button to make sure this is included in your quote results. 

When comparing quotes, you could also use our handy filter to only compare those policies that have gadget cover included – letting you compare the price, gadget and medical cover all at once.

What’s excluded from my gadget cover?

Gadget cover doesn’t cover absolutely everything, so it’s just important to look at what is excluded as part of this cover. These usually include:

• Number of claims – most insurers will only let you make a certain number of claims within a particular length of time.
• Age of your tech – the gadget must be less than 4 years old for example.
• UK only gadgets – your insurers may not protect you for tech bought outside the UK.
• Number of items – if you take any additional gadgets that aren’t already included on your cover you won’t be protected for these.
• Manufacturing Issues – if there’s a problem with your device due to manufacturing faults you will not be covered for this.
• General wear and tear – you won’t be covered for lack of maintenance.
• Viruses – if your device catches a virus whilst on holiday you won’t be covered for this by your provider, so make sure you’ve sorted the antivirus protection yourself.
• Data – if you loose or damage the data on your phone then your insurer will not pay out for this, so make sure you back everything up!
• Cosmetic damage – you won’t be able to claim for scuffs and bumps on your travel insurance.

Tips for travelling with gadgets

• Leave you gadgets in your hotel if you don’t need them, it’s better they’re in a locked safe in your hotel room.
• Back everything up before you leave, just in case.
• Protect your stuff, get covers, cases and screen protectors to make sure your devices stay in top condition.
• Turn off your data roaming on your phone if you don’t have a romancing contract, otherwise you could get some pretty hefty bills. If you’re not sure what contract you have then check with your network provider before you go.
• Don’t forget to bring your chargers and any accessories your gadgets needs. You might also need a plug adapter too.

Compare travel insurance with gadget cover

The easiest way to get a deal on your gadget travel insurance is to compare lots of different providers all at once. That’s where we come in. We can help you compare multiple providers with your special medical requirements filtered into the results.

So why not have a little look and grab a quote today? Just don’t forget to click the gadget cover button too.

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If you are going on 2 or more trips a year, then an Annual Trip policy may save you money!

Suppose you’ve had hepatitis or are currently suffering from hepatitis and want to travel. In that case, you should always speak to your doctor or a healthcare professional before booking anything. Looking into specialised medical travel insurance means you can travel with peace of mind that you're covered should anything happen regarding your condition whilst you’re away.

Single Trip insurance is for one-off, individual trips and will cover your specified travel dates. This is usually up to 45 days; however, some insurance providers can cover up to 94 days. If you’re not a frequent traveller, single trip cover is a great option and will likely be cheaper than an annual multi-trip cover .

Declaring any pre-existing conditions in relation to the heart is important - as it enables insurance providers to offer you the right type of insurance to cover you should anything happen as a result of your condition while abroad. Most travel insurance providers will need to know if you've ever had any diagnosed heart-related health conditions.

It's easy! Enter your details just once and you'll be able to compare quotes from over 30 specialist providers. We'll even e-mail your top quotes to you so you can access them at any time. Once you've found the policy that is right for you, pay securely online and your documents will be sent to you directly from your insurance provider.

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If we're unable to help you find cover for a pre-existing medical condition , the Money Helper Directory has listings of companies that may be able to assist you. Further details can be found on their  website.

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Gadget cover for travel

These days phones and other gadgets are essential on many travel packing lists. We provide limited cover under our standard policies. Our Gadget cover is a way to increase the amount we cover and includes additional gadgets and devices that you may take with you. Add it with ease with our optional gadget cover by paying a little extra.

Add up to £2,000 optional cover for gadgets like phones, tablets and smart watches

Once upon a time, going away involved passports, insurance papers, boarding passes and more. Now you can travel with just your passport and phone. But many of us take lots of other tech too.

Snapping photos on your phone? Reading on your tablet? Watching a film on your laptop? Keeping kids entertained on a console? Gadget cover can give you the added protection you need.

We cover a range of devices and gadgets 

To make sure you’ve got the cover you need, we offer cover for a range of gadgets, including: 

Mobiles, smartphones and tablets

Digital and video cameras

• Bluetooth headsets and speakers

Laptops and game consoles

Satnavs, smart watches and wrist-worn activity trackers

For the full list, please read the policy wording .

Ready to get a quote?

Let’s find the protection that’s right for your travels. Get a quote for Post Office Travel Insurance.

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Best travel insurance provider.

Post Office won a ‘Best Travel Insurance Provider’ award at the Your Money Awards in 2021, 2022 and 2023

Post Office won a “Best Travel Insurance Provider” award at the British Travel Awards in 2023

Defaqto 5-star rated cover

Our travel insurance policies with premier level cover are Defaqto 5-star rated

Common gadget cover questions

What is the gadget cover option.

Our gadget cover is an optional extra for travel insurance. It provides protection for technology you take away on holiday. You can add it to your policy to provide cover for a long list of devices you might want to take with you.

Why add the post office gadget cover option to your policy?

Our standard travel insurance policies will only provide limited cover for electronic items such as mobile/smart phones, camcorders and their accessories, all photographic/ digital/ optical/ audio/ video media and equipment, iPods, MP3/4 players or similar and/or accessories, E-book readers, and satellite navigation systems up to the single article limit.

• Economy cover: £150
• Standard cover: £250
• Premier cover: £400

Our gadget cover option is a way to increase the cover provided on our standard policy for the above listed items, as well as providing cover for other devices or gadgets that you may take with you. Just pay an extra premium to add it to your policy. See below for what extra gadgets and devices can be covered.

Is this the same as Post Office Gadget Insurance?

No, gadget cover in this sense is an add-on for Post Office Travel Insurance policies only. It’s different from Post Office Gadget Insurance , which provides everyday protection for gadgets rather than on your travels.

What does the optional gadget cover provide?

Gadget cover offers protection for various devices including:

• Mobile phones and smart phones
• Laptops (including custom built)
• Digital cameras
• Games consoles
• Video cameras
• Camera lenses
• Satellite navigation devices
• Headphones and earphones
• Smart watches or wrist-worn health and fitness trackers
• All accessories for these items

What about items covered by my home insurance?

You'd only be covered for items on your home contents insurance if you chose out-of-home cover. Even then your cover might have a limit well below £2,000.

If you have home contents insurance, check whether it includes cover for gadgets you want to take on holiday. You may need supplementary cover. 

• Read more travel insurance FAQs

Need some help?

Travel insurance help and support.

For emergency medical assistance, to make a claim, find answers to common questions about our cover or get in touch:

Visit our travel insurance support page

Travel insurance policy types

Single-trip cover.

• Cover for a one-off trip in the UK or abroad
• Perfect for one-off trips or longer holidays of up to 365 days (1)
• No age limit

Annual multi-trip cover

• Cover for multiple-trips for a 12-month period
• 31-day trip limit, with extensions available up to 45 and 60 days
• Available for everyone aged up to 75 years 

Backpacker cover

• Cover for a one-off trip up to 18 months
• Option to return home for up to 7 days on 3 occasions.
• For people aged 18 – 60 wanting to travel the world for a gap year or career break 

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About our travel insurance

Post Office® Travel Insurance is arranged by Post Office Limited and Post Office Management Services Limited.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered Office: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited.

These details can be checked on the Financial Services Register by visiting the Financial Conduct Authority website and searching by Firm Reference Number (FRN).

(1) For economy, standard and premier policies, the single-trip policy will cover you for one trip up to:

365 days for persons aged up to and including age 70

90 days for persons aged between 71 and 75

31 days for persons aged between 76 and above

Telephone Hours

Opening Hours

• Mon-Fri: 8:30am - 8pm
• Sat: 9am - 5:30pm
• Sun: 10am - 5pm

Bank Holiday Opening Hours:

• 6th May: 9am-5pm
• 27th May: 9am-5pm
• Mon-Fri: 9:00am - 8:00pm
• Sat: 9:00am - 5:30pm
• Sun: 10:00am - 5:00pm

Gadget Cover

Going on holiday and want to take your gadgets with you? AllClear can offer add on gadget cover - so that you can enjoy a well deserved holiday knowing your most valueable items are protected. For peace of mind, get a quote today!

Page contents

What is travel insurance with gadgets cover, what does gadget cover include, why do i need to cover my gadgets with travel insurance, what to consider when travelling with gadgets, why more than 3 million people have chosen allclear.

When travelling abroad we buy insurance to protect ourselves, but why not buy add on cover to protect our gadgets aswell? Gadget cover protects your most valuable items such as your camera, phone, tablet etc – giving you peace of mind wherever you go.

Will you want to take pictures when you’re on holiday? who doesn’t! Nowadays, most people use their smartphones to take pictures so nearly everyone will travel with at least one gadget when they go on holiday – and these will often be your most valuable items.

Getting cover for your phone, camera, tablet or laptop, eases the financial pressure of replacing them when you come home if they get damaged or lost on your travels.

You’ll need to make sure you’ve got the right policy so here’s what to look for in travel insurance including gadget cover.

Travel insurance with Gadget Cover insures you for the loss or theft of items such as your camera, mobile phone, tablets and laptops and is usually available as an optional add-on to your policy.

It’s important to remember that standard baggage insurance often does not include any of your gadgets and most standard policies offer levels of cover for single items that won’t be enough to repair or replace expensive gadgets.

With an AllClear policy, ‘Gadget Cover’ is available in the ‘Extras’ section of our quote process. We offer three levels of cover, giving you peace of mind that your valuables are insured around the world!

Gold – maximum 7 items up to £3,000

Silver – maximum 5 items up to £2,000

Bronze – maximum 3 items up to £1,000

Benefits of AllClear Cover

What’s included in Gadget Cover will vary by the provider, and some will offer different levels of insurance to help you tailor your policy.

Here’s a summary of what’s included on an AllClear policy:

Simple 3 step quote process

1. call us or click a quote button on our site, 2. complete our simple medical screening process, 3. get your quotes.

We did some research [1] and found that 6 out of 10 people value the gadgets they take on holiday at over £650. But 4 out of 5 people who had made a claim for lost or stolen gadgets while on holiday have had that claim rejected or only received partial payment. This is because they did not have specialist cover in place.

Gadgets are getting more expensive. They are already an essential part of our everyday lives. So, it’s highly likely that you’ll be taking one or more costly items with you when you travel. Protect your possessions with dedicated Gadget Cover, and have peace of mind.

If you’re travelling with gadgets, there are a few precautions you should take even if you’ve bought insurance. This will help to ensure everything runs smoothly on your trip and that you don’t invalidate your policy.

• Protect your devices –  screen covers, cases and waterproof bags are usually cheap and worth buying as they help protect against cracked screens and water damage – which tend to be the most likely cause of damage
• Lock gadgets up –  when you aren’t using your gadgets, leave them out of sight in your hotel room. Lock them in a safe if you have one available.
• Turn roaming off –  roaming charges are costly, and most destinations have free wi-fi available.  
• Back your data up – back-up your data on portable storage devices or in the cloud to ensure your vital pictures and documents are protected
• Take extra security measures –  make sure your phone is locked with an access code or similar and if you are going to use public wi-fi networks, consider buying security software. You can also register your devices’ serial numbers on a site like  Immobilise , which makes your gadgets easier to recover if lost or stolen.

We compare cover from up to 61 insurance providers, and 97% of customers rate us ‘Great’ or ‘Excellent.’

“ Very easy service .

My first breakaway after two years since my diagnosis for cardiomyopathy, found the service very easy to use. i’m fully covered while on holiday and also chosen to cover my gadgets. now just got to sit back relax and enjoy my break away”, kevin tyrrell – trustpilot, read allclear trustpilot reviews.

We hope you found this information on gadget insurance helpful and you enjoy your next holiday!

If you’d like to start a quote, click the quote now button below.

Written by: Russell Wallace | Travel Insurance Expert Last Updated: 7 June 2021

[1] Based on Trustpilot reviews of all companies in the Travel Insurance Company category that have over 30,000 reviews as of January 2023.

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Car & home insurance, pet insurance, travel insurance, travel money card, life insurance.

Travel insurance with gadget cover

Cover for your camera, laptop and phone when you're abroad

Underwritten by Great Lakes Insurance UK Limited

Gadget and mobile cover abroad

From mobile phones and tablets to smart watches and eBooks, high-tech gadgets are the go-to holiday essentials when you’re travelling abroad. And if they’re ever lost, stolen or damaged, you don’t want to have the added stress and cost of replacing them.

With  Sainsbury’s Bank Travel Insurance , there’s no need to worry. Our single trip and annual travel insurance includes gadget cover as standard – so you can scroll till your heart’s content knowing we’ve got your back.

What’s covered

Our Silver, Gold and Platinum travel insurance policies include mobile phone and gadget cover for when you’re abroad.

That means we’ll pay the repair or replacement costs if your phone or gadget is lost, stolen or damaged abroad. As there are limits to the cover we may not pay the full amount out depending on the cost of the gadget.

If your phone’s stolen abroad, we’ll also refund the cost of unauthorised calls, messages and downloads made from it (unless your network provider already covers you for that). You can choose even more protection by adding our enhanced gadget cover for an extra cost.

We’ve outlined the different levels of cover below and what amounts you’re covered for.

Standard gadget cover

Optional enhanced gadget cover.

Terms, conditions, excesses, exclusions and limitations apply. You can find out more about the terms of our cover in our  policy booklet .

Camera travel insurance

For many, your cameras are your babies, your pride and joy. You need to give them the protection they deserve. That’s why our cover includes your camera, video camera and your lenses. That leaves you free to enjoy taking the pictures of your life, without worrying about your expensive equipment.

Laptop travel insurance

We’ve got you covered for travel insurance that covers your laptop and camera, along with many other gadgets for when you’re abroad. So there’s no need to wait until you get home to edit your holiday snaps.

What gadgets are covered when you’re abroad?

When you’re abroad we’ll cover any of the gadgets listed below if they’re lost, damaged or stolen:

• Mobile phones
• Tablets and laptops
• Digital cameras, video cameras, camera lenses
• Earphones, headphones and bluetooth headsets
• Games consoles
• Satellite navigation devices
• Portable health monitoring devices (such as a blood glucose or blood pressure testing kit)
• Wearable technology such as smart watches or health and fitness trackers

You need to give us proof that you own the gadget when you submit a claim – for example the original receipt. If you bought it second-hand or got it as a gift, you’ll also need a signed letter from the original owner, along with the original purchase receipt confirming that it’s yours.

This letter should include:

• IMEI (International Mobile Equipment Identity) (where applicable)
• Serial number, make and model of your gadget
• The date the gadget was gifted to you (where applicable)

If certain parts of your gadget have been stolen or damaged, we’ll only repair or replace those specific parts.

Don’t see your gadget listed above? Get in touch to double check if it’s covered by your policy.

What’s not covered

You’ll find a full list of our conditions in our policy document. But to give you an idea, your phone or gadget won’t be covered if:

• The loss or theft isn’t reported to the police within 24 hours of discovering the incident, with an accompanying police crime reference number
• The damage happened before you went on your trip
• You can’t confirm when and where it was lost, stolen or damaged
• Your device was in the possession of a third party other than a relative
• Your device needs repaired as a result of misuse or wear and tear
• The damage is cosmetic only and has no effect on its functionality

Making a claim

You should first contact the appropriate local police authority within 24 hours of your gadget being lost or stolen.

If your mobile phone or other SIM-enabled device is lost or stolen, you’ll also need to report it to your network provider.

When it comes to making your claim, simply follow the instructions and provide any applicable supporting documentation, such as:

• Police crime reference number (if applicable)
• Proof that your phone’s identification number (IMEI) has been blacklisted (if applicable)
• Proof of reported theft or loss
• Proof of violent and forcible entry (if applicable)
• Proof of travel dates

Get gadget cover for your trip abroad

With cover for lost, stolen and damaged gadgets, we’ll have your back – wherever you are in the world.

Helpful travel guides

Get all the advice and information you need with our handy travel guides.

Dealing with disruption

See what you’re entitled to if your travel is delayed or cancelled

Keep your money safe

Practical tips to look after money, cards and valuable items abroad

Losing documents abroad

Find out what to do if your important documents go astray while you're away

Questions about travel insurance with gadget cover?

Gadgets, phones, cameras, laptops and any other devices that are valuable to you are important to us. If you need us, we’re here. Check out our most  frequently asked questions about travel insurance . If you still need to talk to us, our friendly team will be happy to help.

Call  0345 305 2621 .

Sales and service lines are open 9am-5pm Monday to Friday. Closed weekend and Bank Holidays. Calls may be monitored or recorded. Calls are charged at local rates from landlines and mobiles.

Helpful phone numbers .

Terms and conditions

* Up to 20% discount applies when you tell us your Nectar card number. Discount does not apply to premiums for pre-existing medical conditions or enhanced gadget cover. You won't be eligible if you buy through a price comparison website. We reserve the right to change or cancel this offer without notice.

Sainsbury’s Bank Travel Insurance is underwritten by Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 10 Fenchurch Avenue, London, United Kingdom, EC3M 5BN. Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting; register.fca.org.uk.

Sainsbury’s Bank Travel Insurance is sold and administered by Hood Travel Limited, registered at Companies House 08318836. Hood Travel is authorised and regulated by the Financial Conduct Authority under registration number 597211. Hood Travel Limited’s registered address is at 52/54 Alexandra Street, Southend-on-Sea, Essex, SS1 1BJ. Hood Travel is an insurance intermediary providing a non-advised service. We act for and on behalf of the insurer.

Section 14 (Gadget Cover) is underwritten by Great Lakes Insurance UK Limited. The cover is arranged and claims administered by Taurus Insurance Services Limited (Taurus). Taurus is an insurance intermediary licensed and authorised in Gibraltar by the Financial Services Commission under Permission Number 5566 and authorised by the Financial Conduct Authority in the UK under registration number 444830. GLISE, UK Branch, is authorised by BaFin and subject to limited regulation by the FCA and PRA: registration number 769884.

How Much Does Travel Insurance Cost?

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The offers and details on this page may have updated or changed since the time of publication. See our article on Business Insider for current information.

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

• The average travel insurance premium this week is $288.60, up about 1% compared to last week.
• For travel in the United States, the average premium is $91 to $406.
• Travel insurance protects against delayed baggage, trip cancellation, and more.

The average cost of travel insurance fluctuates throughout the year, based on demand and whether or not school's in session. Also keep in mind that where you're traveling and how many people are taking the trip will affect your exact premium.

The average travel insurance premium this week is about the same compared to last week.

Travel insurance rates this week:

• Average premium: $288.60
• Average trip cost: $6,976.04
• Average trip length: 16 Days

Understanding Travel Insurance

Travel insurance plans can cover both domestic and international travel. It could protect against something as familiar as delayed baggage (experts estimate 85% of lost luggage is returned to its owner within 48 hours) or as complicated as trip cancellation.

The benefits and limitations of travel insurance vary based on the company and plan. Above all else, this insurance coverage offers peace of mind.

Some credit cards offer a limited amount of travel insurance annually. If you need clarification on what your credit card offers, contact your provider to verify. These plans are great for cancellations and interruptions but may not cover more costly losses associated with unexpected medical expenses or emergency evacuations.

Individual travel insurance plans include this and much more. Travel insurance protects travelers from the unexpected when away from home.

Average Cost of Travel Insurance by Destination

Some countries are naturally more expensive travel destinations due to higher flight and lodging costs, which could increase travel insurance costs. Travel insurance will generally cost 5% to 10% of your total trip price, according to SquareMouth.

Here's how the prices stack up:

Source: SquareMouth

How Far in Advance to Purchase Travel Insurance

According to an AAA travel survey , 88% of travelers say that reimbursement after a trip cancellation is the most valuable benefit of trip insurance.

According to data gathered by SquareMouth in the last six months, travelers tend to purchase trip cancellation travel insurance 53 days before their trip. Meanwhile, travelers without trip cancellation insurance will buy a policy approximately 16 days before their trip. Regardless of when you buy, cancellation protection can kick in to protect you against the unexpected.

Average Cost of Travel Insurance by Age

A traveler's age is a significant factor in determining the cost of travel insurance. The older a traveler is, the higher travel insurance premiums are. For instance, a senior traveler may need more insurance for health-related emergencies than a millennial.

When calculating your travel insurance premium, travel insurance providers consider the likelihood of a medical emergency.

Get your free travel insurance quote with SquareMouth »

Travel Insurance Rate Tips

How much does travel insurance typically cost.

Travel insurance rates through most providers fall between 4% and 8% of the total trip cost. Like the cost of flights, cruises, etc., rates may vary substantially based on the season, your original location, your destination, and other factors. This week, the average cost of a policy was close to $300.

How can I save money on travel insurance?

To save money on travel insurance, tailor your policy to your specific needs and avoid unnecessary extras. You should also shop around to compare quotes from multiple insurers. Opting for an annual plan if you're a frequent traveler, checking existing coverages from other insurance policies or credit card benefits, and choosing a policy with a higher deductible can significantly lower your premiums. Always read the fine print to understand your coverage fully, ensuring you don't pay for redundant or irrelevant features.

Where are the cheapest places to buy travel insurance?

To find affordable travel insurance, consider using online comparison websites like SquareMouth or InsureMyTrip to see rates from various providers. Other ways to save include purchasing directly from insurance companies, exploring package deals from travel agencies or airlines, utilizing included coverage from credit card benefits, and checking for discounts through membership organizations such as AAA or AARP.

If you enjoyed this story, be sure to follow Business Insider on Microsoft Start.

Introduction to TravelSafe Travel Insurance

• Coverage Options
• Purchasing and Managing a Policy
• Customer Service and Support

Compare TravelSafe Travel Insurance

• Why You Should Trust Us

TravelSafe Travel Insurance Review 2024

Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate insurance products to write unbiased product reviews.

TravelSafe Insurance is a travel insurance company owned by the Chester Perfetto Agency, which provides a wide array of travel insurance options such as health, life, and auto insurance. TravelSafe can cover longer trips than many of its competitors, but charges high rates. It's also known for its golf-specific coverage. 

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to 120 days' coverage available for travelers ages 79 and under (30 days for 80+)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Up to $2,500 per person for missed connections over three hours or more
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay coverage of up to $150 per person per day kicks in after six hours or more
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Policy can be purchased by U.S. citizens living abroad
• con icon Two crossed lines that form an 'X'. Medical coverage ceiling of $100,000 may be low for some travelers' needs.
• con icon Two crossed lines that form an 'X'. Claims reviews from customers say performance is not always the best
• A well-rounded insurance plan for travelers who are concerned about missing connections for cruise-related travel
• Classic and Basic travel insurance plans
• GolfSafe travel insurance plans provide coverage for you and your equipment
• Travel medical insurance through partner Trawick International

Among the companies included in our guide on the best CFAR travel insurance , TravelSafe offers thick insulation against the unpredictability of travel. The trips that TravelSafe can insure are on the higher end of the industry, covering trips lasting up to 150 days and costing up to $100,000. TravelSafe's Classic plan also offers coverage for people who are up to 100 years old. 

One standout feature of TravelSafe is that all of its plans offer primary coverage, so you can file immediately with TravelSafe instead of going through your health insurance provider first, even with TravelSafe's Basic plan. Many travel insurance companies only provide primary coverage with their higher-tiered plans. 

That said, TravelSafe's Basic plan costs more than many travel insurance companies' most expensive plans. This brings up the issue of cost. While its plans are technically within the bounds of the average cost of travel insurance, TravelSafe certainly stretches those limits, and it's certainly more expensive than many of the best travel insurance companies.

Ultimately, TravelSafe is best for travelers taking an expensive trip who can afford expensive insurance. 

Coverage Options from TravelSafe

TravelSafe has two main policies for those seeking travel insurance: travel insurance for stateside and international travelers and travel insurance for those who are planning golf trips. For each policy type, travelers can choose between classic and basic coverage. And golfers can choose between GolfSafe Secure and GolfSafe Secure Plus.

Here's how the three TravelSafe travel insurance plans stack up in terms of what's included and coverage limits:

TravelSafe also offers specific golf insurance plans, which is something incredibly unique among travel insurance companies. If you're an avid golfer, purchasing golfing insurance will cover things like lost holes, something regular travel insurance won't. TravelSafe's golf insurance plan benefits are as follows:

Additional coverage options from TravelSafe

TravelSafe offers several optional coverages for its travelers:

Rental car damage and theft coverage:  Available for both Basic and Classic plans, this add-on covers up to $35,000 per covered vehicle.

Business and sports equipment rental:  Also available for both TravelSafe plans, your rental equipment is covered for up to $1,000.

CFAR coverage: Only available for Classic+, you'll receive 75% of your nonrefundable trip costs. You must purchase your policy within 21 days of your initial trip deposit. 

TravelSafe Travel Insurance Cost

The premium you pay will depend on various factors, including the age of the travelers, destination, and total trip costs. The  average cost of travel insurance  is 4% to 8% of your travel costs.

After inputting some personal information, such as your age and state of residence, along with your trip details, like travel dates, destination, and trip costs, you'll get an instant quote for TravelSafe plans available for your trip. And from there, it's easy to compare each option based on your coverage needs and budget.

Now let's look at a few examples to estimate TravelSafe coverage costs.

As of 2024, a 23-year-old from Illinois taking a week-long, $3,000 budget trip to Italy would have the following travel insurance quotes:

• Basic: $112
• Classic: $147
• Classic (Plus): $274

Premiums for TravelSafe plans are between 3.7% and 9.1% of the trip's cost, within and above the average cost of travel insurance.

TravelSafe provides the following quotes for a 30-year-old traveler from California heading to Japan for two weeks on a $4,000 trip:

• Basic: $153
• Classic: $202
• Classic (Plus): $377

Once again, premiums for TravelSafe plans are between 3.8% and 6.3% of the trip's cost, within the expected range of travel insurance costs.

A Texas family consisting of two 40-year-old parents with a 10-year-old and 4-year-old on a two-week trip to Australia for $20,000:

• Basic: $512
• Classic: $676
• Classic (Plus): $1,616

TravelSafe plans cost between 2.6% and 8.1% of the trip's cost, below and within the average cost of travel insurance. 

A 65-year-old couple looking to escape New Jersey for Mexico for two weeks with a trip cost of $6,000 would have the following quotes:

• Basic: $472
• Classic: $582
• Classic (Plus): $952

Premiums for TravelSafe plans are between 7.8% and 15.9%, which is well the average cost for travel insurance. While older travelers should expect higher premiums, these prices are on the higher end of what you should be paying. 

Purchasing and Managing a TravelSafe Policy

Purchasing a TravelSafe policy is fairly simple. You'll first need to obtain a quote through TravelSafe's website. Be prepared to provide the following details:

• State of residence
• Destination(s)
• Departure/return dates
• Date of initial deposit
• Total trip cost
• Number of travelers
• Birthday of traveler(s)

Once you obtain a quote and pick your plan, you'll enter some additional information about yourself, such as your address and contact information. 

How to File a Claim with TravelSafe

If you experience a loss while insured by TravelSafe, you need to act quickly. You have 20 days after the loss to notify TravelSafe, at which point an agent will send you forms for filing proof of loss. If TravelSafe don't send a form withi 15 days, you can send your own written statement about what happened along with proof. This must be completed within 90 days of the loss. 

You have several options if you need to file a claim for TravelSafe.

If you need emergency help, you can call their toll-free numbers below.

• Toll-free (US-only): 1-877-539-6729
• Direct: 1-727-475-2808

If you're international, call the following toll-free number: 1-866-509-7713.

TravelSafe Customer Service and Support

Almost all reviews for TravelSafe are concentrated on its SquareMouth page, where it has an average rating of 4.3 stars out five across over 1,500 reviews. Though an overall positive score, it's worth mentioning that most of the positive reviews come from people who didn't have to file a claim. Some of these reviews mentioned having to alter their insurance plan, which was an overall positive experience. 

However, many of the reviews that mention the claims process are negative. Customers mentioned long wait times, uncommunicative claims representatives, and little guidance during the claims process. Additionally, while many travel insurance companies regularly engage with reviews, both positive and negative, TravelSafe rarely replies to customer reviews.

Learn more about how TravelSafe travel insurance compares against top insurers. 

TravelSafe Travel Insurance vs Faye Travel Insurance

Faye Travel Insurance is a completely digital travel insurance company. Unlike TravelSafe, Faye Travel Insurance completely covers all cruise travel. Faye doesn't cover golf trips as TravelSafe does. They have similar amounts of coverage, but Faye Travel Insurance is about $20 cheaper for its comparable international plans.

Faye Travel Insurance covers your trip, your health, and your belongings just like TravelSafe does. But with Faye Travel Insurance, you can add different things that meet your needs, like car rental, extreme sports, and pet care.

Read our Faye travel insurance review here.

TravelSafe Travel Insurance vs World Nomads Travel Insurance

TravelSafe is an excellent option if you're traveling and participating in regular activities, like trying different foods and basic activities, like taking a train to places. But if you want to do extreme sports, it might not be the right coverage for you. Instead, consider getting a travel insurance plan like World Nomads Travel Insurance . World Nomads covers over 100 different extreme sports, and you can specifically add on different sports that you want to try. It's a better coverage insurance plan for someone who's a little bit more adventurous.

That said, if you're only planning on doing a specific activity, like golfing, TravelSafe has a plan for you. They cover golfing trips specifically with more coverage than World Nomads.

Read our World Nomads travel insurance review here.

TravelSafe vs Credit Card Travel Insurance

Some credit cards, especially travel rewards cards, come with travel benefits such as primary rental car insurance for your vehicle if you decide to rent one. However, travel insurance is generally more comprehensive than credit card coverage. For example, TravelSafe offers benefits like death and dismemberment coverage; credit cards don't typically cover this benefit.

However, you can use both your credit card benefits and your travel insurance to get the fullest coverage possible.

Read our guide on the best credit cards with travel insurance here.

TravelSafe Travel Insurance FAQ

Yes, TravelSafe is known for providing reliable coverage for international travel, including medical emergencies and trip interruptions.

TravelSafe typically allows the purchase of travel insurance up until the day before departure, making it suitable for last-minute travel plans.

TravelSafe offers policies that include coverage for trip cancellations due to COVID-19, but it's important to review the specific terms and conditions of each plan.

Claims with TravelSafe are generally handled efficiently, with a straightforward process for filing and tracking claims, and timely reimbursements according to customer feedback.

Yes, TravelSafe offers the option to add adventure sports coverage to their policies, catering to travelers who engage in higher-risk activities.

Why You Should Trust Us: How We Reviewed TravelSafe

For this review, we made sure to include the most updated information and pulled real-time quotes from TravelSafe's website. We compared two different companies that had similar coverage to TravelSafe to ensure the best review possible. We only included reputable plans. And we looked at factors like what's covered, policy limits, and coverage options.

Read more about how Business Insider rates insurance products here.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

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