Know your gadget policy?

PARIS, FRANCE - SEP 12, 2017: Apple Computers website on Safari Browser showcasing latest Apple products - showcasing latest iPhone X 10 and its colorful desctop wallpaper

Gadget insurance is becoming more and more popular, unsurprising when you consider the price of phones and devices are reaching heady heights. Most devices in the UK are purchased on contract so it is easy to forget how much you are carrying around in your pocket or handbag. The new iPhone X comes in at a whopping £1,000.

Thinking about purchasing insurance is a step in the right direction, but what is the right type of cover to get?

There are many different types of gadget insurance available on the market and the fundamentals are largely the same; accidental damage cover, breakdown, loss and unauthorised data protection. However, there are some differences.


Cracked screen and wet smart phone dropped on flooding floor with water drop and reflection of tree shadow on screen after the rain, Copy space

Consider this – everybody knows that a smartphone and water do not mix. Most policies provide cover in the unfortunate circumstance you drop your phone down the toilet, but what if you spill orange juice on it? It’s still water damage right? 


Some policies are very specific about what constitutes water damage, and limit the cover to just that. So if you dropped it in to a pool or spill a glass of water on it, you would be covered however, if you dropped in in a pint of beer, or spilt orange juice on it, you wouldn’t. 

It is therefore essential to make sure you take the time to read the policy details for gadget, and indeed any type of insurance, carefully before making the decision to purchase.

You can read our policy wording here.


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