Gadget Insurance
For extra peace of mind for your gadgets, add InsuraHome's Gadget Insurance option to your Standard policy to protect you should the unexpected happen
Whether you mobile phone, tablet, smartwatch, laptop, or other gadget gets stolen or damaged at home or abroad, you shouldn't be left to foot the bill. That's where InsuraHome's Gadget Insurance policy option comes in, our cover will protect you should your gadget get damaged, lost, stolen, or breakdown.
The Gadget Insurance add-on is available on the following policies...
What is Covered on InsuraHome's Gadget Insurance?
Below is a brief explanation of what is and is not covered on InsuraHome's Gadget Insurance Policy Add On. However, you should always refer to theInsuraHome's Home Insurance Policy wording for full cover limits, terms, conditions and exclusions.
| What is Covered? | What is Not Covered? |
|
Accidental Damage / Malicious Damage |
Loss of data or software |
|
Theft |
Accidental damage caused by - you deliberately damaging, intentionally leaving or neglecting the gadget, servicing, inspection, maintenance or cleaning; or - any cosmetic damage |
|
Accidental Loss (only available mobile phone, iPads, tablets and smartwatches) |
Theft from a motor vehicle where you are not in the vehicle unless the gadget is concealed in a locked boot, closed glovebox |
|
Unauthorised Call / Data Use - should your phone be lost or stolen and then used fraudulently |
Theft from any building or premises unless the theft involves force in gaining entry to or exit from the building or premises, resulting in damage to the building or premises |
|
Breakdown |
Theft when away from your home, or when in your home with invited guests / tradesmen or other people, unless the gadget is concealed on your person or stored in a locked room or secured receptacle |
|
Liquid Damage |
Theft where your gadget was in possession of a third party other than your immediate family at the time of the event that caused a claim |
|
£150 Accessories cover |
Theft where the gadget is left unattended when away from your home |
|
Unlimited worldwide cover |
Accidental loss of gadgets other than mobile phone, tablets, iPads, smartwatches, the loss of a sim card or where the circumstances cannot be clearly identified |
|
|
Breakdown cover for laptops |
|
|
Repair or other costs for routine servicing, inspection, maintenance or cleaning |
|
|
Wear and tear or gradual deterioration of performance |
|
|
If the serial number has been tampered with |
|
|
Repairs carried out by persons not authorised by us |
|
|
Fraudulent call usage if your claim is not accepted, or any claims for fraudulent call use if you do not provide an itemised bill detailing the charges |
The table above is only a summary of cover. You should always refer to the policy wording for full terms, conditions and exclusions.
Please note - Any Gadget Covered by policy must be less than 36 months old when the policy is purchased and must have been purchased as new in your Home Country.
How do I get an InsuraHome Home Insurance with Gadget Cover Quote?
It's quick and easy, you don't even need to specify this on your application form. Just remember to ask for this when one of our specialists contacts you with your quote.
