Home Insurance with cover for your mobiles and gadgets
Our portable gadgets have become such an everyday thing – whether it's your all-singing-all-dancing tablet or the mobile phone that's an extension of your arm. And they don't come cheap, which is why you'll want to ensure you have some cover for them, at home and away.
What we cover
We don't have separate gadget insurance or mobile phone insurance products, however, our Contents Cover has some mobile and gadget insurance as standard. In addition, you can get even more cover by adding our optional extras - contents Accidental Damage Cover and Personal Possessions Cover - for an extra cost. The tables below show you what's covered as standard and what's covered with our optional extras.
What's covered as standard with Contents Cover:
|Theft at Home||Accidental Damage|
|Mobile Phone||Optional Extra|
|Fitness bands & Smart watches||Optional Extra|
What's available as an optional extra
You can add additional cover to your policy, for an extra cost, to give you even more cover for your mobile and gadgets:
Available for an additional cost, with Contents Accidental Damage Cover
|Cover away from the Home (Loss, Theft and Damage)
Available, for an additional cost, with Personal Possessions Cover
|Laptop||Covered as standard with Contents Cover|
|Tablets||Covered as standard with Contents Cover|
|Note book||Covered as standard with Contents Cover|
|Fitness bands & Smart watches|
For more information on how it works, and the amount we'll pay out when you make a claim, check out our policy documents. An excess will apply if you make a claim. Our standard excess is £100, however, check your policy schedule for confirmation of your excess and consider if it meets your mobile cover and gadget cover needs. Don’t forgot that a claim on your policy could impact your no claims discount.
What's not covered
There are some things we don't cover. Have a look in our policy document for a full list of conditions, but here are the main things to remember:
- We won’t cover items if reasonable care of them has not been taken.
- We won’t cover electronically stored data. This means things like downloaded music and films.
Our optional extras, Accidental Damage Cover and Personal Possessions Cover, don't cover you for theft, loss or accidental damage:
- to any phones or gadgets you don't own
- to any phones or gadgets you use or have for work
- caused by mechanical or electrical faults or breakdowns
- caused by or during cleaning, maintenance, repairs and restoration