Gadget Insurance FAQs

• What is Gadget insurance?

  We frequently carry items such as mobile phones, iPhones, digital cameras and laptops around with us during the day however it is only something happens we realise the value of protecting these items. Gadget Insurance is a new cost effective way to protect our most valuable and important every day gadgets that we would be lost without.

• What is covered under the policy?

  covermygadget.co.uk will provide cover for up to 5 selected gadgets on a choice of two cover levels, Premier (up to £500 total policy limit) or Premier Plus (up to £1,000 total policy limit). The policy covers the cost in replacing or repairing products as a result of Theft or Accidental Damage. Please refer to the Gadget Insurance policy details for the full terms and conditions.

• Am I covered outside United Kingdom?

  covermygadget.co.uk policy provides Worldwide cover so your items are covered wherever in the world you take them.

• What products does covermygadget.co.uk cover?

  Eligible products are Mobile Phones / iPhones, smart phones, iPods/MP3 players, iPads/tablets, Satnav systems, netbooks, laptops, digital cameras, hand-held games consoles, hair straighteners, e-book readers and digital SLR lenses.

• Am I covered straight away?

  The policy does not cover any claim within the first 14 days from the start date of your policy.

• How do I add items or make a change to my policy?

  To make a change you can log in to the My Policy section on the website with your policy details to make selected changes or you can contact us at info@covermygadget.co.uk or on 0844 871 0254.

• Can I upgrade my cover level?

  You can change from Premier to Premier Plus by logging into the My Policy section on the website or by contacting us at info@covermygadget.co.uk or on 0844 871 0254 provided you have not made a claim.

• What are the main exclusions?

  You must be over 18 to purchase this policy. You cannot make a claim in teh first 14 days on any new or changed gadget. No cover is provided for wear and tear/gradual deterioration. Please refer to the Gadget Insurance Terms & Conditions for the full details of policy exclusions.

• How do I claim?

  To make a claim on this policy you will need to contact our Claims advisors (RMS) on 0191 356 1015

• Is there an excess?

  Yes. There is a £25 excess amount payable or deductable per claim under this policy. Loss cover will incur an additional £25 excess. A £75 excess will apply to Laptop claims.

• What is the claims procedure?

  In the event of a claim you must:
  
  • Report the theft / theft and malicious damage to the police within 24 hours of discovery
  
  • Report the theft / damage to the Claims line on 0191 256 1015 as soon as reasonably possible following your return to United Kingdom.
  
  • Report the theft / damage of a mobile phone / PDA to your Service Provider immediately.
  

• Who is the policy arranged and underwritten by?

  This insurance is arranged by CoverMyGadget.co.uk which is trading name of Blue Insurances Ltd, regulated by the Central Bank of Ireland Central Bank of Ireland and is EEA authorised to provide insurance services in the United Kingdom by the Financial Service Authority (FSA). The insurance is underwritten by Chartis Europe Limited who are regulated by the UK Financial Services Authority.

• What charges do I incur when buying a policy?

  We work hard to try and minimise any additional charges you may incur in the supply of your policy. There is no web administration fee for booking our policy direct on our website but we do charge a fee of £4.95 if you choose to book your policy through our call centre. There are also optional charges linked to different administration functions, the posting of a hard copy policy certificate is £3.50 and automatic SMS policy info service is £0.99

• Can I take out cover for my work phone?

  No, there is no cover for products which are not owned by you, for example those given to you by your employer for work, or those lent to you by a friend.