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Gadget insurance

Comprehensive insurance for all Gadget models at great prices, with award winning in-house customer care.

loveit coverit
Gadget insurance

Comprehensive insurance for all Gadget models at great prices, with award winning in-house customer care.


Unlimited claims and repairs
We provide unlimited repairs and replacements on all our insurance policies.


In-house Customer Service Team
We will never outsource the claim handling process


12-month warranty on replacements
We offer a hassle-free 12-month warranty on all replacement gadgets.

What is Gadget Insurance?

Gadget Insurance will cover the costs of repairing your gadget or replacing it if it cannot be repaired or it has been stolen, be it a smart watch or a PlayStation 5.

Gadget Insurance is different from manufacturer’s warranty. The warranty will only cover you for about 12 months and will only cover damage that wasn’t your fault, however the insurance lasts as long as you find it necessary, and it protects against much more than manufacturer’s warranty.

Women with headphones

Is it worth having gadget insurance?

There are several reasons why you should consider gadget cover. Of course, it all depends on what kind of gadgets you own and whether you’re accident prone. If the gadgets you own would cost a lot to replace or repair, then it is worth thinking about gadget insurance.

If you own a very expensive MacBook and replacing it if something happens would cost you over £1,000, gadget insurance seems a reasonable choice and you won’t usually pay more than £170 a year for MacBook Insurance with loveit coverit.

Before taking out insurance, double check if your current bank account, home insurance or credit card does not already include gadget insurance. However, often the gadget cover included in home insurance policies or bank accounts is not as comprehensive as the one offered by specialist gadget insurers.

What does our insurance cover?

To make sure your gadgets are well-protected, gadget insurance will cover you for wide range of happenings. You can be sure that if something happens to your beloved gadgets, you will not have to worry about the cost of repairing or replacing it. Our insurance covers:




Accidental damage


Liquid damage


Cracked screen


Mechanical breakdown


Worldwide cover

We also offer


Unlimited claims


In-house customer service team


12-month warranty on replacements

How much does gadget insurance cost?

The cost depends on the type of gadget you want to insure, its make, model and age. The older the gadget is, the cheaper the insurance might be because of the drop in the RRP.

The price of insurance also depends on what type of cover you choose – our Essential policies will cost you a bit less but also will cover you for less, whereas our Premium policies will cover you for more but will cost you a bit more, too.

For example, to cover an Apple Watch 7 with our Premium Cover, it would cost you £5.59, whereas covering a MacBook Air 2020 would cost £7.99 per month.

The best way to find out how much gadget insurance will cost you is to use our quick quote tool.

Get a quote now!

10% discount - when you insure more than one gadget

Gadget Insurance Explained

At loveit coverit, we offer specialist gadget insurance policies to cover all your favourite gadgets – no matter the make or model. Our cover comes in two levels, Essential and Premium, so that you can find a policy that suits you.
Accidental Damage
Accidents happen. Gadget Insurance give you that peace of mind that whatever happens – your gadgets will be protected.
Liquid Damage
Dropped your new AirPods in the loo? Don’t worry, we will fix or replace them.
Cracked Screen
If you are a dropper, don’t worry. Whether your gadget’s screen is totally smashed or there is just a slight crack on the screen, we will get it back to working order.
If your gadget gets stolen, we will send you a like-for-like replacement.
Mechanical Breakdown
If your gadgets experience an electrical or mechanical fault outside of warranty, we repair or replace it.
Worldwide Cover
We want to make sure that your gadgets are covered wherever you go. Our Worldwide cover will ensure that.

What’s the excess on gadget insurance?

If anything happens to your gadgets, you can make a claim. Provided that the issue is covered under your insurance policy, you will typically pay an excess charge before sending your gadget off for repair or replacement. This is a non-refundable cost charged for claiming on your policy.

The excess charge itself will differ depending on type of gadget you own and its make and model. Essentially, the more expensive your gadget, the more you’ll need to pay. If claiming for theft (and in some cases, loss), you may have to pay extra compared to if you were making an accidental damage gadget insurance claim.

To see our excess rates, visit our excess table.

Are there exclusions on loveit coverit gadget cover?

Like all insurance policies, there are some rare occasions in which we won’t be able to provide cover for your gadget. You’ll be made aware of these when you make a quote, but the most common are as follows:

• Your gadget is already damaged

• You bought your gadget refurbished as grade B or C

• Your gadget is 6 months old or more

• Your gadget wasn’t bought from a UK VAT-registered company

• You’re not a UK resident

• You haven’t paid for your mobile phone cover

View all exclusions

Why insure your Gadget with loveit coverit?

Over 30 years providing gadget insurance

We’ve been in the insurance industry since mobile phones were the size of bricks, so you can trust your Gadget in the hands of an experienced company. We cover all brands from the Apple’s Ipad to the Microsoft XBox.

All claims handled by our in-house team

We’re always happy to help and we’re proud to offer an end-to-end mobile insurance service. All repairs and replacements are issued from our own technicians and supported by our friendly, UK-based customer care team.

No minimum gadget insurance contract

We won’t tie you down with a 12 or 18-month contract unlike other insurance providers. With loveit coverit’s rolling contracts your policy is flexible and can be cancelled at any time, subject to terms and conditions.

Our 14-day money back guarantee

Provided you haven’t made a claim on your policy, you’ll receive a full refund if you cancel your Gadget insurance policy within 14 days of the policy start date with the loveit coverit 14-day money back guarantee.

Unlimited gadget insurance claims + repairs

Many of our competitors only allow one or two claims each year. With loveit coverit, there’s no limit on the number of gadget insurance claims you can make, regardless of whether it’s a claim for accidental damage, theft, or loss.

Insure more than once device, save 10%

More gadgets? More savings! Insure multiple devices with loveit coverit and get 10% off. Including phones, tablets, watches, laptops, headphones, cameras, and games consoles, just add more than one device at checkout.

Last modified: 11th August 2023
Author: Jonathan Owen
Last modified: 11th August 2023

Author: Jonathan Owen

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