FAQs

Gadget Insurance is a cost effective way to insure those everyday gadgets and electronic equipment that we never leave the house without! Many of us do not realise the value of the everyday items carried in our briefcase / handbag. It’s only when something goes wrong and we have to replace these products that we understand the true value, both personally and financially of our every day gadgets.

• Theft
• Accidental damage
• Liquid damage
• Mechanical breakdown (outside of manufacturer's warranty)
• Loss cover (optional for an extra £1 a month- not available on iPads and laptops)
• Worldwide cover as standard
• Complimentary TagBak reward and return service
• For mobiles- unauthorised calls cover up to £100

We offer insurance on Mobile phones, Laptops, iPhones, iPads, iPods/MP3 players, Game consoles, Handheld Games consoles, Satelite Navigation systems, Cameras and Camera lenses, Camcorders, Bluetooth headsets, In-car computers, Headphones and earphones.

Please refer to our summary of cover and terms and conditions for full details.

The item must be less than 12 months old from the date it was purchased as new.

Yes. 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 03/05/2011 and your policy is for a laptop, there is a £75 excess fee for each claim. If your claim is for a Smartphone, iPad, Tablet or iPhone the excess fee is £50 for any claim. For all other items, there is an excess fee of £25.

Any loss claims will incur a further £25 excess fee. Any international claims are subject to a £75 excess fee.

If you purchased your policy before 03/05/2011 and your policy number begins with a 4,5,6 or 7, then please refer to your terms and conditions or email us at customerservices@protectyourbubble.com.

In the event of a claim you will need to provide receipts for all items you are claiming for. The receipt must be in the same family name.

Protect your bubble useful tip:

Post a copy of your receipt (s) to Protect your bubble, PO Box 1033, Uxbridge, UB8 9PX.

Or scan it to  customerservices@protectyourbubble.com.

We will link it to your policy to speed up any future claims.

Yes, as long as you can prove that the item was purchased as new from a VAT registered retail shop and not a sole trader. You would need to provide a proof of purchase that shows that the item was bought as new and not previously used if you were to make a claim. 

We'll email your policy number and links to your policy documents immediately after purchase. We will also send you these documents by post – please allow up to 5 days.

When you receive your postal pack, be sure to activate your complimentary TagBak service.

Read more about TagBak….

If YOU HAVE PURCHASED YOUR POLICY AFTER 03/05/2011

(your policy number will begin with DGI):

• call us on 0844 346 3970 
•  email  customerservices@protectyourbubble.com

Protect your bubble useful tip:

Post a copy of your receipt (s) to Protect your bubble, PO Box 1033, Uxbridge, UB8 9PX.

Or scan it to  customerservices@protectyourbubble.com.

We will link it to your policy to speed up any future claims.

IF YOU HAVE PURCHASED YOUR POLICY PRIOR TO 03/05/2011

(your policy begins with a 4,5,6 or 7):

• call us on 0845 250 5535
• email  customerservices@protectyourbubble.com

You can also post a copy of your receipt to:

 602 Cumberland House, 80 Scrubs Lane, London, NW10 6RF.

 

IF YOU HAVE PURCHASED YOUR POLICY AFTER 03/05/2011

(your policy number starts with DGI):

• Call us on 0844 346 3970
• Email customerservices@protectyourbubble.com

Alternatively you can write to us at:

Protect your bubble
PO Box 1033
Uxbridge
UB8 9PX

IF YOU HAVE PURCHASED A POLICY BEFORE 03/05/2011 

(your policy number starts with a 4,5,6 or 7):

• Call use on 0845 250 5535 
• Email customerservices@protectyourbubble.com

Alternatively you can write to us at: 
 
Claims Department
602 Cumberland House
80 Scrubs Lane
London
NW10 6RF

In the event of a claim you must:

• Report the theft / loss to the police within 24 hours of discover
• the theft / loss of a mobile phone / PDA to your Service Provider immediately, but in any case within 12 hours of discovery
• If your claim relates to a faulty item, the faulty item must be provided
• Contact us within 48 hours of discovery of any claim

Failure to comply with the above may result in your claim being delayed or rejected.
Once the claim has been approved we aim to replace items within 2 working days. If the item is being repaired we aim to return this to you within 5 working days.

If you pay for your annual gadget insurance policy in monthly instalments we will collect the remaining annual premium at the same time as the excess is collected.

No, you are not able to make a claim for the first 14 days of the insurance policy.

Gadget insurance is arranged by Protect your bubble, underwritten by Assurant General Insurance Limited, and administered on their behalf by Assurant Services Ireland Limited. Assurant General Insurance Limited is authorised and regulated by the Financial Services Authority.

You can either pay by Debit/Credit Card, Mastercard or Paypal in one go for your annual policy or spread the cost into 12 monthly direct debit payments at no extra cost. If you chose  the direct debit option, you can chose to have your monthly premium taken on the 2nd, 14th or 25th of the month. Whichever one suits you best. Please note that due to processing and set up times for direct debit, your first installment might not be taken for several weeks. Therefore we'll take 2 months worth of premium for your first payment, followed by 10 monthly installments.

Please contact us on email customerservices@protectyourbubble.com.

TagBak is a confidential reward and return service. All you need to do is stick the unique TagBak tag to your insured gadget and then activate the tag online.  It is very important to activate the tag for the service to work. Then if you lose your phone, mp3 player or other gadget, and someone finds it there’s an easy, effective way of getting it back to you. More...

1. Contact

Please notify the Protect your bubble Customer Care team on 0844 3463 970 as soon as possible after any incident likely to give rise to a claim under your insurance policy. Please note that your policy has a 14 day exclusion period so if the incident occured within the first 14 days after your policy started your claim will not be accepted.

2. Reporting the theft or loss (if you have taken additional loss cover)

For Mobiles or PDAs - Report the theft or loss within 12 hours of discovery to your Airtime Provider and blacklist your handset. Report the theft or loss to the Police within 24 hours of discovery and obtain a crime reference number in support of a theft and a lost property number in support of a loss claim.

For all Electronic Equipment (including Mobiles and PDA’s) - Report the theft or loss to the Police within 24 hours of discovery and obtain a crime reference number in support of a theft and a lost property number in support of a loss claim.

3. Important Claims Information:

- At the point of claim if the value of the item you declared at the time of purchase differs from the true value of your gadget, Protect your bubble will collect any outstanding premium prior to settling your claim.  

- If we replace your electronic equipment, the damaged or lost item becomes ours. If it is returned or found please ensure you notify us and send it to us if we ask you to.

- If you pay monthly and make a claim you will be asked to pay the premium for the minimum term (12 months) in advance before we can authorise any claim.

- Before your claim can be approved, the stated excess fee must be paid.  For a laptop the excess is £75.  For iPhone, smartphone or iPad, the excess is £50.  For all other items the excess is £25.  Loss claims incur an additional £25 charge.  The excess on all international claims is £75.

Cancellations must be in writing. We do require one month notice. You can e-mail customerservices@protectyourbubble.com quoting your policy reference.

Please be aware that we charge an administration fee of £10. If you selected to pay annually a pro rata refund will be give – see Terms and Conditions for full details.

Please refer to the Gadget Insurance Terms & Conditions or email complaints@protectyourbubble.com.

1. In the first instance, please put your complaint in writing to:

The Quality Assurance Manager,
Assurant General Insurance Limited,
PO Box 1033,
Uxbridge,
UB8 9PX

Tel: 0844 3463980
Email: complaints@protectyourbubble.com

2. Upon receiving the outcome of your complaint from Assurant General Insurance Limited, if you are still not satisfied with the way your complaint has been dealt with, you can then ask the Financial Ombudsman Service to review your case. You can contact them at the following address:

Financial Ombudsman Service,
South Quay Plaza,
183 Marsh Wall,
London,
E14 9SR

Tel: 0845 080 1800
Email: enquiries@financialombudsman.org.uk

The Financial Ombudsman Service is an independent body that arbitrates on complaints about general insurance products. It will only consider complaints after you have been provided with written confirmation that the internal complaints procedure has been exhausted.

Note: Your statutory rights
Your statutory rights are not affected if you choose to follow any of the complaints procedures above. For further information about your statutory rights contact your local authority Trading Standards Service or Citizens Advice Bureau.