What is Gadget Insurance?

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If you’ve ever wondered what is gadget cover or what does gadget insurance cover, this guide is for you. At Protect Your Bubble, we believe your gadgets are more than just devices they’re part of your daily life and connection to work, friends, and the world. So, should you protect them with insurance? Let’s find out.

What Gadget Insurance Means

Gadget insurance is a type of protection for electronic devices like smartphones, tablets, laptops, and smartwatches. If your device is lost, stolen, or accidentally damaged, gadget insurance can help cover repair or replacement costs—depending on your policy level.

At Protect Your Bubble, our gadget insurance covers*:

  • Accidental damage (including liquid damage)
  • Mechanical breakdown after the manufacturer’s warranty expires
  • Theft (optional)
  • Worldwide cover while travelling (repairs/replacements sent to a UK address)
  • Loss (optional, available for selected devices)

In short: it means you’re covered for many of the “oh-no” moments that could otherwise cost you dearly. Keep in mind, an excess fee usually applies if your claim is approved.

Why Gadget Insurance Is Worth Considering

  • Cost of replacement: Replacing high-end devices can cost hundreds or even thousands of pounds. Gadget insurance offers peace of mind and manageable premiums.
  • Not all cover is equal: Home contents insurance may not protect devices outside your home or after the warranty period. Dedicated gadget insurance fills that gap.
  • Frequent use = higher risk: If you rely on your gadgets daily, insurance helps you recover faster from unexpected damage or loss.
  • Flexible cover options: Insure single or multiple gadgets with multi-gadget cover options that suit your needs and budget.

What Does Gadget Insurance Cover?

1. Accidental Damage & Mechanical Breakdown

If your phone is damaged or your laptop fails after warranty, this cover steps in. Protect Your Bubble offers unlimited repairs for both damage and breakdowns.

2. Theft and Optional Loss Cover

If your gadget is stolen, a replacement may be provided. Theft and loss cover are optional extras. Note: Loss cover isn’t available for laptops, MacBooks, desktops, or monitors.

3. Worldwide Cover

Take your gadgets abroad with confidence. Protect Your Bubble includes worldwide cover as standard (repairs and replacements are shipped to UK addresses).

What Isn’t Covered?

  • Cosmetic damage (scratches or dents that don’t affect performance)
  • Mechanical breakdowns under manufacturer warranty
  • Loss or damage due to lack of reasonable care (e.g., leaving your device unsecured)

How to Choose the Best Gadget Insurance

  1. Scope of cover: Check for damage, theft, loss, and breakdown protection.
  2. Excesses: Understand what you’ll pay per approved claim.
  3. Worldwide cover: Ideal for frequent travellers.
  4. Multi-gadget or family cover: Bundle devices for discounts (e.g. 3 items for £16.99/month**).
  5. Cost vs benefit: Compare premiums against your gadget’s value and usage.
  6. Terms and conditions: Always read exclusions before you buy.

Is Gadget Insurance Right for You?

Ask yourself:

  • Do you rely on your gadget daily?
  • Could you afford to replace it quickly if lost or damaged?
  • Do you often travel or carry it outside the home?

If you answered “yes” to any of these, gadget insurance may be a smart investment.

Why Choose Protect Your Bubble?

  • Rated 5 stars by Defaqto for Mobile Phone Insurance (2023–2025)
  • Flexible policies: Cover multiple gadget types on one monthly plan. Cancel or amend anytime
  • Unlimited repairs for damage and breakdowns
  • Student discount: 15% off
  • New phone discount: 20% off within 30 days of purchase***
  • Multi-device options: Cover up to 10 gadgets per policy
  • Trusted provider: FCA-authorised, backed by Assurant (120+ years of experience)

Final Thoughts

If your gadgets are essential to your daily life, Protect Your Bubble offers peace of mind with flexible, easy-to-understand cover.

* Protect Your Bubble gadget insurance is underwritten by Assurant General Insurance Limited. Terms, conditions, and excesses apply. UK residents aged 18+ only.

** Price excludes loss cover.

*** Valid when insuring 2 items or fewer.

FAQ's
Gadget insurance typically covers accidental damage, theft and mechanical breakdown after the manufacturer’s warranty ends. With Protect Your Bubble, it also includes worldwide cover and the option to add loss cover for eligible items. Terms & Conditions apply.
The best gadget insurance is the one that matches your personal needs: for example these may include the devices you own, how you use them, where you take them, and how much you’re willing to pay. Consider looking for policies with broad cover (damage, theft, loss, breakdown), good reputation, and reasonable excesses.
Gadget cover refers to the insurance protection for your electronic devices (essentially, another term for gadget insurance). Whether you need it may depend on things like how essential your device is to you, how much it would cost you to replace or repair, and whether you’re already comprehensively covered elsewhere.