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Key Exclusions and Conditions

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Like all insurance policies, ours carries some key exclusions and conditions. Please refer to our summary of cover and terms and conditions for full details – be sure to read them so you're clear on what's covered. We always give you 14 days from when you buy the policy to cancel it, free of charge.

The main conditions of this policy are:

  • You must be 18 years or older to purchase a policy
  • Your gadget must be fewer than 18 months old. This also applies if you are adding a new item to an existing policy that was opened after 3 May 2011.
  • Your gadget must be purchased as new from a registered VAT retailer in the UK, Isle of Man or Channel Islands
  • No claims will be processed for events occurring within 14 days after you purchase your policy
  • We expect you to take reasonable precautions to keep your gadget safe from theft, loss or damage. We will not pay for any loss or damage to gadgets that may happen if you leave them unattended outside your home – this means if they are not in your sight at all times and out of your arm's length reach.
  • If you pay your policy on a monthly basis, you will be required to pay the premium for the remaining term of the 12-month contract before we can authorise any claim.

Excesses

Again, as with most insurance policies, there is an excess fee for all successful claims which must be paid before your claim can be approved.

If you purchased your policy after 23rd January 2012:

  • Laptop – £75 excess fee for each claim
  • Smartphone, iPad, tablet or iPhone – £50 excess fee for each claim
  • All other items – £25 excess fee for each claim
  • Any Loss claims will incur a further £25 excess fee. 
  • Any international claims are subject to a £75 total excess fee (please note replacements will only be sent to UK addresses). 
  • All accidental damage claims made in the first three months from the policy start date will incur an additional £25 excess fee.

If you purchased your policy before 23rd January 2012:

Click here to see excess information depending on your policy purchase date >





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