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Travel Insurance with Gadget Cover

What it is: Travel insurance with an optional gadget cover extension for portable electronics you take on your trip.
What it can help with: Depending on the circumstances, gadget cover may help with repair, replacement, and (for mobile phones) unauthorised calls or data downloads.
What counts as a “gadget”: Items like mobile phones, tablets, laptops, cameras, headphones, smart watches, and more (as defined in the policy).
Good to know: Gadget cover only applies if it’s shown on your policy schedule.

Terms and conditions apply. Eligibility criteria and exclusions apply. Cover depends on the level selected.

What “travel insurance with gadget cover” means

Travel insurance with gadget cover is a travel policy where you can add a Gadget Cover Extension for certain portable electronic items you bring on your trip. If you choose it, it will be shown on your policy schedule.

The policy definition of “Gadget(s)” includes items such as 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.

Terms and conditions apply. Eligibility criteria and exclusions apply.

Gadgets Insured with Travel Insurance

Who this type of cover suits

This is designed for people who travel with tech they’d struggle to replace at short notice, for example:

Holidaymakers carrying a phone, tablet, headphones, or a smart watch
Families travelling with multiple devices (and multiple chargers)
People taking laptops or cameras abroad
Work trips where you’re carrying personal gadgets (note: business items are not covered under gadget cover)

If you’re not sure which travel policy type you need, you can compare Single Trip Travel Insurance and Annual Travel Insurance, then add gadget cover if it suits your trip.

This is designed to help with travelling with gadgets, but it’s not right for everyone.

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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 whilst on holiday or travelling for work.

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 travellers.

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How gadget cover works within the policy

Choose your travel policy type (Single Trip or Annual Multi Trip).
Select a cover level (cover differs by level, so check the Terms and Conditions for details).
Add gadget cover if you want the Gadget Cover Extension (it applies only if shown on your policy schedule).

Eligibility and evidence requirements for gadgets

To insure a gadget under the extension, you need to meet the policy’s conditions. For example, gadgets must be purchased in the UK (including refurbished items purchased directly from the manufacturer or network provider), be no more than 6 years old at the date you start your trip, and you must be able to provide evidence of ownership (and, for some claims, proof of usage).

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What gadget cover can help with

Subject to the policy terms and exclusions, the Gadget Cover Extension may help with:

Repairs if your gadget is damaged due to an accident while on your trip
Repairs for electrical or mechanical breakdown (where it occurs whilst on your trip and outside the manufacturer’s guarantee period)
Replacement if your gadget is accidentally lost or stolen while on your trip (including replacement of part(s) where only part of a gadget is lost or stolen)
Unauthorised calls or data downloads (for mobile phones, following an approved claim, within the policy conditions)

Important note on replacements

The gadget extension is not a replacement “as new” policy. If a gadget cannot be repaired, it may be replaced with an identical gadget or one of comparable (or better) specification or equivalent value. Replacement items are delivered to a UK address, and you would need to arrange onward shipment to your destination country.

Key exclusions to be aware of

Gadget cover is designed to help in specific scenarios, but it won’t cover everything. Common exclusions and conditions include:

Unattended items: theft or accidental loss isn’t covered if a gadget is left unattended in a public place, or left in luggage during transit (with limited exceptions set out in the policy).
Reporting timeframes: you must report theft or loss to the police within 48 hours and obtain a police report. For mobile phones, you must also report the incident to your service provider to bar and blacklist your phone within 24 hours.
Wear, servicing, and defects: routine servicing/maintenance, manufacturer defects/recalls, and cosmetic damage that does not affect safety or performance are not covered.
Water-related limitations: liquid damage is excluded where the event involved taking gadgets on a boat or other water vessels, or taking part in water activities.
Specific items: no cover is provided for mechanical breakdown of a laptop computer, or for loss, damage, or theft of a drone.
Travel advice restrictions: trips to (or through) certain countries, or anywhere the FCDO advises against all travel, are not covered.

Cover levels, limits, and excess for gadget cover

loveit coverit offers multiple travel insurance cover levels (Plus, Premium, and Premium+). The cover provided under each level is different, so you should check the Terms and Conditions for details.

Gadget cover limit and single article limit

Where gadget cover is included, the Gadget Cover Extension provides cover up to £1,000 per trip, with a £1,000 single article limit.

Gadget excess (what you pay towards a claim)

Excess applies to gadget claims. The gadget cover excess shown in the benefit table varies by cover level: £150 (Plus), £100 (Premium), and £60 (Premium+).

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How to protect your gadgets while travelling

A few simple habits can reduce the risk of loss, theft, and accidental damage (and make any potential claim much easier to evidence):

Keep gadgets with you when you’re on the move. If you’re not using it, store it securely rather than leaving it on a café table “for a second”.
Use hotel safes where available, or keep gadgets out of sight in locked accommodation where possible.
Save proof of ownership (receipts, delivery notes, gift receipts) somewhere you can access while travelling.
Know your reporting steps in advance: local police report (within the required timeframe) and, for phones, contacting your network to bar and blacklist.
Be water-wise around pools, boats, and water activities (even “water resistant” doesn’t mean “stress-proof”).

Why trust loveit coverit

loveit coverit is a trading name of Pier Insurance Managed Services Limited, backed by over 30 years of insurance experience through the wider Pier Insurance group. Founded in 2016 to challenge the established phone insurance brands, we’ve grown from protecting smartphones to covering laptops, tablets, smartwatches and more, and in 2022 we expanded into comprehensive travel insurance for UK customers.

Customers choose us for straightforward, good value cover backed by customer feedback and experience, including an excellent review rating from over 6,000+ reviews and a UK based customer service team.

How we help if something goes wrong

Medical emergencies while you’re abroad

If you need emergency medical assistance while travelling, the Emergency Medical Service number is +44 203 0931749.

Travel gadget claims

If you need to make a travel gadget claim, you can do this the same way you would for phone and gadget insurance claims.

You can contact the gadget claims team:

Email: gadgetclaim@loveitcoverit.com
Phone: 0300 303 0445

General claims timeframes

You must give full details of an incident which may result in a claim as soon as reasonably possible, but within 28 days of becoming aware that you need to make a claim.

FAQs

Can I add cover for my gadgets?

Yes. You can add gadget cover to your travel insurance policy for extra peace of mind. Alternatively, you may prefer standalone gadget insurance from loveit coverit, which includes unlimited worldwide cover year-round. Terms and conditions apply.

What counts as a “gadget” under this policy?

“Gadget(s)” includes portable electronic items such as 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 (subject to the policy definition and conditions). Terms and conditions apply.

Is gadget cover automatically included?

Gadget cover is an extension that applies only if it is shown on your policy schedule. Eligibility criteria and exclusions apply.

Does gadget cover include drones?

No. The Gadget Cover Extension does not provide cover for loss, damage, or theft of a drone. Terms and conditions apply.

Does it cover laptop mechanical breakdown?

No. The Gadget Cover Extension does not provide cover for mechanical breakdown of a laptop computer. Terms and conditions apply.

What if my phone is stolen and used fraudulently?

Subject to the policy terms, gadget cover may reimburse unauthorised calls or data downloads if your mobile phone is accidentally lost or stolen and used fraudulently, but you must report the incident to your service provider to bar and blacklist your phone within 24 hours of discovery, and other conditions and limits apply. Terms and conditions apply.

What are the key conditions if something goes missing?

If theft or loss occurs, you must report it to the police within 48 hours and obtain a police report. Cover also depends on how the item was stored and whether reasonable precautions were taken (for example, there is no cover where a gadget is left unattended in a public place). Eligibility criteria and exclusions apply.

How long do I have to tell you about a claim?

You should provide full details as soon as reasonably possible, and within 28 days of becoming aware you need to make a claim. Terms and conditions apply.