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Key Exclusions & Conditions

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Like all insurance policies, ours carries some key exclusions and conditions. Please refer to our terms and conditions for full details – be sure to read them so you're clear on what's covered. 

The main conditions of this policy are:

  • You must be 18 years or older and a UK resident to purchase a policy
  • Your gadget must be fewer than 36 months old
  • Your gadget must have been purchased as new directly from a manufacturer, network provider or retail store (high street or online), or if refurbished, have been purchased directly from a manufacturer or network provider (not from an online outlet or high street retail store)
  • There's no limit to how many times you can claim for damage, but you are limited to two (2) theft/loss claims per year, per gadget
  • We expect you to take reasonable precautions to keep your gadget safe from theft, loss or damage. If you fail to do so, your claim may not be paid.

Excesses:

Note: excess payments cannot be made via American Express or PayPal.

Gadget type Damage & theft claims Loss claims
Mobile phones & iPhones £50 £75
iPads £50 £75
Tablets £25 £50
Laptops & MacBooks £75 N/A
TVs, desktop PCs & PC monitors £25 N/A
All other gadgets £25 £50




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