HOME & BELONGINGS

Gadget & phone insurance. Explained.

Check replacement terms, excesses and existing cover before paying to protect a device twice.

Start with what you need covered.

Begin with the device’s current value and the cost of being without it. Check home insurance, a packaged bank account and any manufacturer arrangements for relevant benefits. An insurance policy, a warranty and a repair subscription are not interchangeable, especially for accidental damage, theft or loss.

Compare the key questions ↗Read the buying guide ↗

UNDERSTAND THE OPTIONS

Different arrangements. Different details.

Standalone gadget cover

A policy for eligible devices, with its own proof-of-purchase and claims conditions.

Home insurance extension

Check away-from-home cover, single-item limits and the home policy excess.

Packaged account benefit

Check registration, device eligibility and the account’s overall cost.

BEFORE YOU CHOOSE

Four conversations worth having.

Events covered

Are loss, theft, liquid damage and accidental damage all included?

Replacement

Will the device be repaired, replaced with a refurbished unit or settled another way?

Eligibility

Are age, ownership, purchase source or registration conditions satisfied?

Cost of a claim

How does the excess compare with repair costs and the device’s current value?

Compare an actual offer

These are research prompts, not a quote or a recommendation. Ask an insurer or authorised broker to explain the accepted policy, its exclusions and your own circumstances. Product features vary.

Sources & further reading

Checked 26 September 2026. Policy terms and source ratings can change.

MoneyHelper: mobile phone insurance ↗

See how cover connects.

All insurance ↗