Gadget Insurance - 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 have been purchased in the last 12 months when you insure it (or 36 months for Household Gadget Insurance policies) and you must have a proof of purchase.
  • Your gadget must either 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.


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

Gadget type Damage and
Breakdown claims
Theft claims Loss claims (if selected)
iPhones & mobiles £50 £75 £75
iPads £50 £75 £75
Laptops £75 £75 N/A
Macbooks £100 £100 N/A
TVs, Desktop PCs &
PC Monitors
£50 £50 N/A
All other gadgets £50 £50 £50

View Terms and Conditions for policies purchased before 23/11/16

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