Gadget insurance

Comprehensive Gadget insurance at great prices, with experienced in-house customer care.

1 Million+

Devices insured
30 Years

Industry experience
5-Star

Defaqto rating
4.7 / 5

Trustpilot score
Authorised by the Financial Conduct Authority
Feefo
AXA
Gadget insurance
Feefo

Comprehensive Gadget insurance at great prices, with experienced in-house customer care.

1 Million+

Devices insured
30 Years

Industry experience
5-Star

Defaqto rating
4.7 / 5

Trustpilot score
Authorised by the Financial Conduct Authority
Now, select your model
Loss included as standard
We’re one of the few insurance providers to offer loss as standard.
Unlimited claims and repairs
We provide unlimited repairs and replacements on all our insurance policies.
12-month warranty on replacements
We offer a hassle-free 12-month warranty on all replacement devices.
Gadget insurance - loveit coverit

Quality gadget insurance from a company you can trust

We have knowledge and expertise in providing tailored gadget insurance policies for a range of your favourite devices – from laptops to cameras to games consoles. At loveit coverit, we provide two levels of cover you to choose from: Plus and Premium. This allows you to choose the right policy for your needs.

Theft and Loss Cover are part of all of our policies, as standard.
Accidental Damage and Liquid Damage cover, are included in our Premium policy, so if you’re accident prone, you can rest easy.

Worldwide Cover comes as standard with all of our gadget insurance policies, so no matter where you are, your devices be protected. Better still, your vital accessories are included in the cover!

Accessory Cover is included, too!

So, if you’re looking for comprehensive gadget insurance that doesn’t leave you out of pocket, our policies are perfect for you. With the right cover, you could save yourself hundreds in the cost of repair or replacement should the worst happen to your beloved device.

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Our Cover

Accidental Damage
We understand that sometimes, accidents just happen! That’s why our gadget insurance protects your devices against damage, giving you peace of mind throughout your policy.
Liquid Damage
Given the range of hi-tech gadgets available, it’s likely that they’ll be near water at some point. Get maximum protection with gadget insurance that covers you for repair and replacement.
Cracked Screen
If your insured device has a screen, you get peace of mind knowing that should you drop it, you’ll get a repair or replacement.
Loss
In this busy world, it’s easy to misplace things, especially with the number of gadgets we have. Our policies cover loss as standard.
Theft
If your device is stolen, we’ll offer a replacement gadget so you can keep doing what you love.
Accessory Cover
We can help you protect the accessories that allow you to enjoy your gadget - like chargers and cases - if they get damaged or stolen.
Mechanical Breakdown
We’ll cover your gadgets in case of any electrical or mechanical fault that occurs outside of your warranty period.
Worldwide Cover
We know that sometimes you and your gadgets are inseparable – so we want to ensure you’re covered wherever you go!
Bundles
Want to protect multiple gadgets at once? Our bundle policies allow you to group devices together for maximum cover.

Whatever your gadget, we’ve got you covered

We provide cover for all the popular gadget manufacturers, for each different device, as well as some lesser known ones. And if you don’t see your devices listed on our website, give us a call and we’ll let you know if we can cover it.

While we offer great prices for all the latest models, we also want to ensure that older devices can get the right protection. As long as your device is less than 3 years old from the date of purchase, it’s eligible for one of our policies.

If you want more information about refurbished gadgets or about gadget recycling, get in touch on 01702 568081.

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10% discount - when you insure more than one device

Why choose loveit coverit

Providing gadget insurance for almost 30 years
We’ve been in the insurance industry since mobile phones were the size of bricks, so you can trust your device in the hands of an experienced company. As a specialist gadget insurer, we pride ourselves on offering a comprehensive service at competitive prices.
In partnership with leading insurer AXA
Our comprehensive and affordable policies are backed by number 1 leading, global insurer provider AXA, together offering customers high-quality and high-value protection for their devices.
All claims handled by our in-house team
We’re always happy to help, and incredibly proud to offer an end-to-end service. All repairs and replacements are issued from our own repairers, supported by our friendly UK-based customer care team. What’s more, we’re fully regulated by the FCA.
No minimum contract
We won’t tie you down with a 12 or 18-month contract. With loveit coverit your policy is flexible and can be cancelled at any time, subject to terms and conditions. You’ll still enjoy the full benefits of your chosen policy plan, with no hidden surprises.
14-day money back guarantee
Provided you haven’t made a claim, you’ll receive a full refund if you cancel your policy within 14 days of policy the start date. Our comprehensive service includes a two-week grace period, so you won’t be out of pocket if you change your mind.
Unlimited claims and repairs
Many of our competitors only allow you to make one or two claims each year. With loveit coverit, there’s no limit on the number of claims, regardless of whether it’s an accidental damage, theft, or loss claim. No matter what happens, we’ve got you covered.

Gadget insurance from loveit coverit

At loveit coverit, our aim is to make gadget insurance more personal, with tailored solutions at a price that suits you. While it’s something we rarely think about, the likelihood of a gadget being lost, stolen, or damaged is quite high; maybe you accidentally leave it on a train, it falls out of your pocket and smashes on the ground, or it’s taken whilst you’re in a big crowd! If the fear of being without your favourite device is stressing you out, investing in comprehensive gadget insurance is the only reasonable option.

We understand that taking out gadget insurance may not be the most exciting thing you’ll ever do, but we want to ensure that when you choose us, you feel safe and protected with a brand you can trust. To prove how dedicated we are to our customers, we partnered with AXA to offer maximum brand credibility and transparency. So, when you chose us, you know we’re backed by one of the biggest companies in the business.

We’re the insurer that respects and cares about your gadgets, and we’re dedicated to delivering and policy that gives you complete peace of mind. With loveit coverit, you choose the cover that best matches your needs and we’ll do the rest.

We’ve been providing cover for gadgets since 1989, so you can trust that we know what we’re talking about. We’re constantly comparing our gadget insurance price against major competitors across the market, ensuring that you get the best price for the cover you need.

Don’t believe us? Take a look at how our policies compare.

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Why should you get covered?

Despite having helped over 1 million customers get affordable, comprehensive cover for the devices they love, a lot of people still have questions regarding gadget insurance. To make sure you’re in the know, we’ve responded to these questions with frank, informative answers:

How does it all work?

It’s pretty simple really: you pay a monthly fee that covers your gadget in the event of theft, accident or loss. If anything happens to your device, you can make a claim. Provided that the issue is covered under your policy, you pay the excess charge, send the gadget off, and have it repaired or receive a replacement.

Can you cancel your policy after a claim?

Once you’ve made a successful claim and received a replacement device, you’re more than welcome to cancel a policy, though you won’t be covered for any further issues. If you try to cancel while a claim is on-going, there’s a chance that you’ll invalidate the claim and be unable to get a replacement. Always check your providers terms and conditions to be sure.

Are gadgets covered under home insurance?

Unless specifically stated otherwise, your gadgets will be cover under your home insurance policy if you lose or break it in the property, or if it’s stolen from your home. Some home insurance policies allow you to add optional extra which means your gadget will be protected outside of the home, but this will increase your premiums. To ensure peace of mind and save money, it’s always better to get specialised cover.

What does the policy cover?

Our Premium policies protect you against theft, accidental damage – including mechanical breakdown, screen damage, and liquid damage – and loss as standard. As part of this package you’ll also be able to claim for £150 of accessories. This insurance policy also covers you worldwide, so not matter where you are, you’ll be able to claim.

How much does it cost to insure a gadget?

It depends on the make and model of your phone. An older model that has less market value will cost very little to insure monthly, whereas a brand-new gadget will cost a bit more.

How do I get my gadget insured?

Once you’ve found a gadget insurer that works for you, at the right price, all you have to do is fill in a simple online form about your device and set up a payment plan – it’s that easy! For devices that don’t appear on the website – that may be older or unique – all you have to do is ring up the insurance company and tell them about your device. Once that’s done, they’ll be able to tell you if your device is eligible for cover.

Can insurance companies check my records/data?

In order to protect your privacy, all phone data is wiped once it is sent to our repair centre. Standard checks are performed, such as IMEI searches to ensure that the device is not insured elsewhere and trader alerts to check that the device isn’t up for sale, however, these should not interfere with any data on the device.

Frequently asked questions

Who provides the insurance?

The insurance is arranged by Pier Insurance Managed Services Limited and is authorised and regulated by the Financial Conduct Authority under Firm Register number 311798.

This policy is underwritten by Inter Partner Assistance SA (IPA) which is fully owned by the AXA Partners Group. The Inter Partner Assistance SA Financial Conduct Authority register number is 202664.

Who are loveit coverit?

Working in partnership with AXA we are a trusted, specialist provider of mobile phone and tablet insurance policies direct to the consumer. loveit coverit is a trading style of Pier Insurance Managed Services Ltd.

Pier Insurance Managed Services Ltd is authorised and regulated by the Financial Conduct Authority. FCA registration no. 311798.

If I make a claim, when will I receive my replacement mobile phone or tablet?

We understand that speed is of the essence when you are without your mobile phone or tablet. For that reason, we aim to have a replacement device in your hands within 48 hours of a claim being approved.

Will my replacement mobile phone or tablet be the same model as the one I had?

Once the claim has been agreed, we will try our hardest to replace your cherished device with the same make, model and colour, and send it to you as quickly as possible. If your device is no longer manufactured, we will provide the nearest comparable model in a speedy and efficient fashion.

Will my replacement mobile phone or tablet be brand new?

Your policy is not a ‘replacement as new’ policy so all mobile phone or tablet replacements may be either brand new or refreshed devices – all devices will also come with a warranty.

The quality of refreshed devices is so high you won’t be able to tell the difference compared to the new devices. Although standards are extremely high, please note that refreshed devices may hold some non-original parts.

Is there a minimum and maximum period of cover?

There is no minimum period of cover. However, when you purchase annual cover we will contact you approximately two weeks before your renewal date and offer to renew the policy. If you do not tell us that you wish to cancel your policy, we will automatically process your renewal.

Can I insure an old device?

Yes, but all mobile phones or tablets must be purchased from a VAT registered UK supplier within the last 36 months (from the policy start date).

Can I insure non-genuine devices?

No. Non-genuine devices are not covered by our policies. However, we do provide cover for refurbished devices that come with a manufacturer’s warranty or the original proof of purchase (if the device was bought second-hand).

How much is my excess?

Your excess can be found in your Policy Excess documents.

Why do I have to pay an excess?

Unlike other insurance providers, we do not increase our premiums after you make a claim. Therefore, we ask that you pay the compulsory excess so we can keep our prices low for you. In the meantime, you can trust that we will handle your claim promptly and professionally.

Is there an age limit to insure a device?

To take out a policy for yourself you must be 18 years old or over and a UK resident. If you are under 18 years old, then a consenting family member can take out the policy on your behalf.

Who takes the money from my account or credit card?

We will appear as Pier Insurance on all banking statements.

Who does my policy cover?

It is possible for parents to insure their children’s phone on their behalf. The cover of your device will apply to you as the person who purchased the policy and your immediate family. This includes your mother, father, son, daughter, husband, wife, partner, brother, sister, grandparent or grandchild that permanently lives at your given address.

My question has not been answered by the FAQs. Is there someone at the end of the phone who I can ask?

Yes! Please call us on 01702 568081 or email us at support@loveitcoverit.com and we will be happy to help.

What’s not covered?

Please check through both the Policy Excess, and IPID (insurance product information document) to check for what is not covered by your policy.

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