Business Gadget Insurance
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Accidental Damage and Mechanical Breakdown cover, Theft and Loss available. Covered Worldwide
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We accepted 96.7% of claims that provided the information we required*
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Get a quote in 30 seconds without providing any personal details
Excesses, exclusions, and limitations apply.
*From 01.07.25 to 31.12.25. Claims accepted rate FAQ >
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Damage or smashed screen from an accident. Not including cosmetic damage like scratches and dents which doesn't affect the functionality of your device.
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Liquid damage.
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Theft - Optional.
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Covered Worldwide as standard.
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Mechanical breakdown (once the manufacturer's warranty has run out).
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Unlimited repairs.
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2 replacements per year, per item.
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Unauthorised network charges up to a maximum of £10,000.
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Loss cover for just £1.50 per item, per month.
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Loss cover is not available for laptops, MacBooks, desktop PCs or PC monitors.
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Failure to look after your device. We expect you to take reasonable precautions to keep your gadgets safe from theft, loss, and damage.
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Replacement or repaired devices being sent beyond the UK. Replacements and repaired items can only be sent to UK addresses.
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Mechanical breakdown within the manufacturer's warranty. The manufacturer can help you with device issues when under warranty.
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More than 2 replacements in a 12 month period for each insured item.
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Cosmetic damage that doesn't affect the functionality of your device, like surface scratches and dents.
What is Business Gadget Insurance?
Business Gadget Insurance is cover for the devices that play an important role in the running of your business, including mobile phones, laptops, MacBooks and more.
Protect Your Bubble Mobile Phone and Gadget Insurance protects you against a lump-sum cost of repairing or replacing up to 10 business devices (on a single policy) in the event of accidental damage, mechanical breakdown and theft (optional). Instead, you pay a monthly premium and an excess on any approved claim.
With Protect Your Bubble, your business gadgets are covered worldwide, and you can also add loss cover for just £1.50 per month per insured device. Loss cover is not available on MacBooks, laptops, desktop PCs or PC monitors.
Do I need Business Gadget Insurance?
To help you decide if our policy provides cover that is right for you, our Insurance Product Information Document provides a summary of what your policy will and will not cover.
Deliberate damage or cosmetic damage, such as dents or scratches that do not affect the functionality of your gadgets, is not covered.
We accepted 96.7% of claims made that provided the information required between 01.07.25 to 31.12.25
There are no limits to how many times you can have your device repaired when claiming for damage
Awarded 5-star Defaqto Rating for Mobile Phone Insurance 2023-2025. Highly Commended in The Finder Awards 2022 for Gadget Insurance Customer Satisfaction. What Mobile Awards Winners of Best Insurance Provider 2015-2020
Yes, we offer a multi-gadget discount. If you add a second gadget you will get 10% off the total policy price. Additionally, you can insure 3 gadgets under one policy from £16.99 per month. Each additional gadget costs an extra £2.50 per month (up to a maximum of 10 insured gadgets under each policy).
To be eligible for a Protect Your Bubble policy, your gadget must have been purchased as new - OR - if refurbished or remanufactured, purchased directly from a manufacturer or network provider or from a seller listed in the Assurant approved retailers list only. This includes some retailers on eBay. We do not cover second-hand phones.
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