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:

  1. 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.
  2. 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.
  3. 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:

  1. 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.
  2. 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:

  1. Exclusions in Repairs and Replacements:
  • 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].
  1. Theft or Accidental Loss Conditions:
  • 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].
  1. General Exclusions:
  • 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].
  1. Unauthorized Use Exclusions:
  • Costs for unreported unauthorized calls or data usage exceeding £1,000.
  • Reimbursement claims without an itemized bill from the service provider [pages 29].
  1. Special Conditions and Travel Restrictions:
  • 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].
  1. Policy Compliance:
  • 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:

  1. 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.
  2. 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.
  3. 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.
  4. 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
  • Telephone: If you prefer to speak to someone directly, call 0300 3030445 for assistance with your claim.

Complaints and Further Assistance:

  • In case of complaints or if you require additional assistance regarding the Gadget Cover, you can contact Loveit Coverit at:
    • Address: Evolution House, New Garrison Road, Shoeburyness, Essex, SS3 9BF
    • Telephone: 0300 3030445
    • Email:

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

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:

  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.