Cover4Insurance

Gadget & Mobile Phone Insurance

Quote

Devices

Add A New Device

£
Current Cover

Silver

Total Payable:
£2.50
Cover Benefits:
Theft
We will replace your gadget/mobile phone, if it is stolen. For example, it may be stolen from your property following a break-in or from your person i.e. a mugging.
Accidental Loss
Not included – please see Gold cover options if you require this cover.
Accidental Damage
We will repair or replace your gadget/mobile phone if it suffers accidental damage. For example, you may accidentally drop your gadget in a puddle.
Cracked Screen
We will repair or replace your gadget/mobile phone if it accidentally suffers damage to the screen. For example, you may drop your phone or tablet.
Liquid Damage
We will repair or replace your gadget/mobile phone if it accidentally suffers liquid damage – For example you may accidentally spill water on your gadget.
Breakdown - Up to £500 per item
We will repair or replace your gadget/mobile phone if it is damaged as a direct result of an electrical or mechanical breakdown which occurs outside of the manufacturers guarantee period.
Malicious Damage
We will repair or replace your gadget/mobile phone, if it is damaged as through the intentional or deliberate actions of anyone other than you or a member of your immediate family.
Unauthorised Use - Up to £250 per item
If your mobile phone/ gadget is accidentally lost or stolen and the loss or theft is covered by your policy, we will refund the cost of unauthorised calls, texts or downloads made after the time it was lost or stolen up to a maximum of £250 (£20 if you have a “pay as you go” mobile phone). Cover will only apply to unauthorised usage taking place within 24 hours of discovery of the loss or theft.
Accessories
If your claim for your gadget/mobile phone is approved, we will replace any accessories that were accidentally lost, stolen or damaged at the same time as your gadget/mobile phone, up to a maximum of £150.
45 Days Worldwide Cover
We will cover your gadgets/mobile phone that you take out of the United Kingdom for up to 45 days whilst you are abroad during any period of insurance.

NB: Please note a replacement or repair can only be dealt with once you return to the United Kingdom, the Channel Islands or the Isle of Man.

Total Premium:
£0.00
Policy Fee
£2.50
Total Payable:
£2.50
Current Cover

Gold

Total Payable:
£2.50
Cover Benefits:
Theft
We will replace your gadget/mobile phone, if it is stolen. For example, it may be stolen from your property following a break-in or from your person i.e. a mugging.
Accidental Loss
If you accidentally lose your gadget/mobile phone then we will replace it if you have selected this cover – For example your phone may fall out of your pocket.
Accidental Damage
We will repair or replace your gadget/mobile phone if it suffers accidental damage. For example, you may accidentally drop your gadget in a puddle.
Cracked Screen
We will repair or replace your gadget/mobile phone if it accidentally suffers damage to the screen. For example, you may drop your phone or tablet.
Liquid Damage
We will repair or replace your gadget/mobile phone if it accidentally suffers liquid damage – For example you may accidentally spill water on your gadget.
Breakdown - Up to £500 per item
We will repair or replace your gadget/mobile phone if it is damaged as a direct result of an electrical or mechanical breakdown which occurs outside of the manufacturers guarantee period.
Malicious Damage
We will repair or replace your gadget/mobile phone, if it is damaged as through the intentional or deliberate actions of anyone other than you or a member of your immediate family.
Unauthorised Use - Up to £250 per item
If your mobile phone/ gadget is accidentally lost or stolen and the loss or theft is covered by your policy, we will refund the cost of unauthorised calls, texts or downloads made after the time it was lost or stolen up to a maximum of £250 (£20 if you have a “pay as you go” mobile phone). Cover will only apply to unauthorised usage taking place within 24 hours of discovery of the loss or theft.
Accessories
If your claim for your gadget/mobile phone is approved, we will replace any accessories that were accidentally lost, stolen or damaged at the same time as your gadget/mobile phone, up to a maximum of £150.
45 Days Worldwide Cover
We will cover your gadgets/mobile phone that you take out of the United Kingdom for up to 45 days whilst you are abroad during any period of insurance.

NB: Please note a replacement or repair can only be dealt with once you return to the United Kingdom, the Channel Islands or the Isle of Man.

Total Premium:
£0.00
Policy Fee
£2.50
Total Payable:
£2.50

Policy Excess

You must pay an amount towards any claim. This amount will vary according to the value of the mobile phone or gadget insured. Full details are shown in the table below. If your claim relates to more than one gadget or mobile phone, you will only have to pay one excess (this will be the highest applicable excess).

Value at the time of purchase of the mobile phone or gadgetExcess applicable
Up to £250£25
£251 - £500£50
£501 - £750£75
£751 - £1000£100