FAQs

Theft cover protects you against the unlawful taking of your gadget against your will by another party, with the intention of permanently depriving you of it.

In the occurrence of theft of your gadget you will need to report it to the police and to your airtime provider to blacklist the item within 48 hours of discovery. You will need to obtain a crime reference number in support of a theft.

Gadget Insurance is a cost effective way to insure those everyday gadgets and electronic items that we never leave the house without! Many of us do not realise the value of 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.

We offer insurance on iPhones, smartphones, mobiles, laptops, iPads, iPods/MP3 players, game consoles, handheld games consoles, satellite navigation systems, cameras and camera lenses, camcorders, Bluetooth headsets, in-car computers, headphones and earphones. If you have any other items which you would like to insure please email us at customerservices@protectyourbubble.com.

If you are starting a new gadget policy please remember that your item/items should be less than 12 months old. This also applies, if you are adding a new item to an existing policy, which was bought after 3rd May 2011. 

• Theft
• Cracked screens
• Accidental damage
• Liquid damage
• Mechanical breakdown (outside of manufacturer's warranty)
• Loss cover (optional from an extra £1 a month - not available on TV's, Desktop Computers, or Laptops)
• Worldwide cover as standard
• For mobiles - unauthorised calls cover up to £100

Yes we offer a multi gadget discount. 

If you add a second gadget you will get 10% off the total, and 3 or more gadgets will give you 15% off.  

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

• You must be 18 years or older to purchase a policy.
• There is a 14 day exclusion period on all Protect your bubble policies, and any amendments to the policy in question, where we will not cover any claims which occur during this period.
• Your gadget must be purchased as new.
• Your gadget must be purchased from a UK registered VAT retailer in the UK, Isle of Man or Channel Islands.
• 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 arms length reach. For example if you are in a pub and leave your gadget on a table whilst you go and order drinks from the bar this would be classed as being left unattended.

Parents can insure their children's gadget(s) on their behalf.

The cover of your gadget applies to you as the person who purchased the policy and your husband, wife, partner, children or parents who permanently live in your home. 

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

No. We only cover electronic gadgets that are purchased, as new, from a VAT registered shop in the UK, Isle of Man or Channel Isles. 

Please read our terms and conditions  for more information. 

In the event of a claim we need to see your receipt or proof of purchase of the item you are claiming for. 

This will need to show:

• The make and model of your gadget
• The date the gadget was purchased
• Your name (where possible)
• The IMEI number of the gadget
• That the gadget was purchased as new in the UK, Isle or the Channel islands from a VAT registered retailer

Yes, we do cover contract phones. 

You would need to insure your phone under the correct market value of the phone. In most cases you will be able to select your phone from the drop down menu on our checkout. Should we not have your phone listed you can input the information manually. Your network operator will be able to provide you with the market value. 

It's very important to insure under the correct value. In the event of a replacement we shall issue another handset to the value you insured the phone for. 

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 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.

All Accidental Damage claims made  in the first 3 months from the policy start date incur an additional £25 excess charge. 

If you pay your policy on a monthly basis, you are required to pay the remaining unpaid monthly payments before the claim can be agreed in full.  

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.

This will need to show:

• The make and model of your gadget
• The date the gadget was purchased
• Your name (where possible)
• The IMEI number of the gadget
• That the gadget was purchased as new in the UK, Isle or the Channel islands from a VAT registered retailer

Protect your bubble useful tip:

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

Or take an electronic copy and email it to customerservices@protectyourbubble.com.

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

We will send you a confirmation letter and a hard copy of your schedule of insurance in the post. This could take a up to 5 working days.

We no longer send printed version of your Terms and Conditions and Policy Summary as it helps us to be more environmentally friendly. Instead we send these documents by email and you should receive these within a couple of days of purchasing your policy. We recommend you save the email, so you can easily locate these documents in the future.

 

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 0871 423 2711 
• Email protectyourbubble@supercoverinsurance.com

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

 

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

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

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

• call us on 0871 423 2711
• email  protectyourbubble@supercoverinsurance.com

You can also post a copy of your receipt to:

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

This policy offers a replacement only and is not a replacement as a new policy. If the gadget cannot be replaced with an identical gadget of the same age and condition - we will replace it with one of comparable specification, or the equivalent, taking into account the age and condition of the original gadget. 

For annual paying customers we will send you an email one month before your policy is due to expire. You will be able to renew your policy via a renew link in the email. Customers who pay by Direct Debit will receive an email before expiry, which will tell you your cover will continue automatically unless you decide to cancel. For more information and help on other gadget renewal questions please click here.

Your item will be covered worldwide up to a maximum of 90 days in total in any single 12 month period. 

Should you take out loss cover you are protected if the gadget has been accidentally left by you in a location. You must have taken all reasonable precautions to prevent any loss.  

Please be aware that loss cover is not available for TV's, Desktop Computers, Laptops and MacBooks.  

There is an additional excess fee of £25 on loss related items. 

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 arms length reach. For example if you are in a bar and leave your gadget on a table whilst you go and order drinks from the bar this would be classed as being left unattended.

If you are out and about and have your gadget in your bag, look out for the useful hooks under tables in restaurants. It's important to comfortably store your bag where you can always see it, and where it’s within arm's length reach. If you leave your bag under the table by your feet you may not always be able to see it and it may be out of your reach. We know it can be a hassle but making sure you never leave your valuable gadgets unattended will deter thieves who steal thousands of handbags from bars and cafes every year.

You need to report the theft and loss of any mobile or PDA to your airtime provider and blacklist it within 48 hours of discovery. If you do not do this we will be unable to approve your claim. 

Yes, you need to report the theft or loss of any gadget (inc mobile and PDA) to the police within 48 hours of discovery. You will need to obtain a crime reference number in support of a theft and a lost property number in support of a loss claim. If you do not do this we will be unable to approve your claim.

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 choose 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 instalment might not be taken for several weeks.

Please note, if you pay by Direct Debit, and make a claim, we will ask you to settle the remainder of your premium before we process the claim, The reason we do this is for fraud prevention purposes.

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

• Cancellations must be in writing. We do require one month notice. You can email customerservices@protectyourbubble.com quoting your policy reference.
• For cancellations within the first 14 days of policy purchase, you will receive a full refund. Please For cancellations after the 14 days, please be aware that we charge an administration fee of £10. If you selected to pay annually a pro rata refund will be given – see Terms and Conditions for full details.

IFYOU HAVE PURCHASED YOUR POLICY BEFORE 03/05/2011    

• Cancellations must be in writing. We do require one month's notice. You can email protectyourbubble@supercoverinsurance.com quoting your policy reference.

Please follow the guidelines below if you have an enquiry or complaint about Protect your bubble, your policy or a claim made under it.

IF YOU HAVE PURCHASED YOUR POLICY AFTER 03/05/2011AND YOU WISH TO MAKE A COMPLAINT:

1. In the first instance, please put your complaint in writing to Protect your bubble at the following address:

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

Tel: 0844 3463 980
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: complaint.info@financial-ombudsman.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.

IF YOU HAVE PURCHASED YOUR POLICY BEFORE 03/05/2011AND YOU WISH TO MAKE A COMPLAINT:

1. In the first instance, please contact: 

The Customer Services Director
602 Cumberland House,
80 Scrubs Lane,
London,
NW10 6RF

Tel: 0845 250 5535
Fax: 0871 222 3228
Email: customerservices@protectyourbubble.com

Please ensure your policy number is quoted in all correspondence to assist a quick and efficient response.

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: complaint.info@financial-ombudsman.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.

Reasonable precautions - all measures that it would be deemed appropriate to expect a person to take in the circumstances to prevent loss damage or theft of your gadget. 

Please email us at customerservices@protectyourbubble.com.