FAQs | Frequently Asked Questions Protect Your Bubble

In the event of a claim, please contact the claims administrator within 30 days from the date of the event you are looking to claim for, giving as much information as you can about what has happened.

You can contact the Tenants Liability administrator by calling: 0345 600 7406 by email: novusclaims@uk.sedgwick.com or in writing at:

Sedgwick International UK

Oakleigh House

14-16 Park Place

Cardiff CF10 3DQ

"Loss cover" protects you if your gadget has been accidentally left somewhere by you, and you are permanently deprived of its use and unable to locate it. Loss cover requires an additional £1.50 premium per month, per gadget. Loss cover is not available for laptops, MacBooks,TVs, desktop PCs or PC monitors. If you have not selected loss cover then you will not be able to claim for this type of incident. You must have taken all reasonable precautions to prevent any loss. Excesses for all items can be viewed on our excess page.

The Gadget Insurance policy is designed for people who don't have their gadget insured elsewhere, or wish to cover them separately, and who want to cover the costs of repair or replacement should the item breakdown outside of the manufacturers’ warranty, be damaged, lost or stolen.

As with most insurance policies, an excess is required and limitations and exclusions apply. This cover is provided on the condition that you are a UK resident and over 18 years of age.

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.

You'll need to contact us if you want to cancel your policy – be sure to give your policy number to facilitate the process.

You can cancel at any time, the quickest and best way is by calling us: 0330 333 4792 (Monday to Friday, 8 am to 6 pm)

Alternatively, you can email us: customerservices@protectyourbubble.com or write to us:

Protect Your Bubble

Emerald Buildings

Westmere Drive

Crewe Business Park

CW1 6UN

If you cancel within the first 14 days after you receive your insurance documents, you'll receive a full refund. After the first 14 days, we will cancel the policy at the end of the current month. For example, if you have paid your latest monthly premium on the 1st of January and contact us to cancel on the 15th of January, we will set the policy to cancel on the 31st of January and collect no further premiums. No refunds will be paid at cancellation. See our Terms and Conditions for full details

You can call us on 0330 333 4792, to change policy features – like adding or removing items or changing your payment preferences. Please note if you change your device we require you to notify us of this information so we can update your policy, failure to do so could result in delays should you wish to log a claim with us.

Lines are open Monday to Friday, 8am to 6pm. If you’d like to update your personal information or view your policy details, you can do so online in your account.

Between 01.01.25 to 30.06.25 for every gadget insurance claim that provided the information we required, we accepted 96.7%.

This represents the total claims accepted and approved as a percentage of total claims logged minus walkaways. Walkaways are those who either no longer wish to pursue the claim or do not provide the information required to process the claim. Examples of the type of information required could be (but not limited to): A crime reference number, proof of purchase, and last phone usage information.

Protect Your Bubble is a trading name of Assurant General Insurance Limited, a company registered in England and Wales (registration company number 5399683). Registered address, Emerald Buildings, Westmere Drive, Crewe, Cheshire, CW1 6UN. Assurant General Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority under registration number 202735. You can check this registrations on the Financial Services Register at http://www.fca.org.uk/ or by calling 0800 111 6769

While you may get 12 months of coverage with your manufacturer’s warranty – which covers you for mechanical breakdowns – you won’t be covered during those 12 months for cracked screens, liquid damage, accidental damage or theft. Even extended warranties generally don’t cover these events. We cover all of them as standard

Our Gadget Insurance is underwritten and administered by Assurant General Insurance Limited. Assurant General Insurance Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 202735.

For a full list of exclusions, check the terms and conditions of your phone insurance policy.

However, some common exclusions in phone insurance policies include cosmetic damage that doesn’t impact the functionality of the device, as well as breakdown already covered by the manufacturer’s warranty, damage as a result of unauthorised repairs or mechanical work and theft or loss where these optional extras were not available or added to the policyholder’s coverage.

To see what is and is not covered by Protect Your Bubbles insurance policy please read the full terms and conditions and the Insurance Product Information Document (IPID).

Yes. Assurant General Insurance Limited is covered by the Financial Services Compensation Scheme. You may be entitled to compensation from the scheme if they cannot meet their obligations. General insurance contracts are covered for 90% of the entire claim, without any upper limit. You can get more information about the compensation scheme arrangements by contacting the FSCS on 0207 741 4100 or 0800 678 1100 or by visiting their website at www.fscs.org.uk

If you'd like to cancel your Renters policy, you can contact us by email: ukrenters@assurant.com or call us on Tel: 0333 220 5063

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.

You must be at least 18 years old and a UK resident in order to take out a Gadget Insurance policy with us.

Yes – tell the police about any stolen gadget as soon as you can. We will ask you to provide the police reference number and police report before we will pay any claim for theft.

frequently asked question - how long will it take

Yes – your device will be covered worldwide. Please note that repaired devices or replacements can only be sent to UK addresses.

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.

You can make a claim for legal expenses by contacting the claims administrator by email: assist@lexelle.com by calling Tel:0114 249 3300 or in writing:
Lexelle Limited
PO Box 4428
Sheffield
S9 9DD

Please email us at customerservices@protectyourbubble.com or call us on 0330 33 34 792. Lines are open Monday – Friday, 8am – 8pm, and Saturday - Sunday, 9am - 6pm.

Yes – you can cancel your individual policies at any time and then start a new Gadget policy. Due to differences in billing and accounting processes, you’ll need to physically cancel your existing policies and then open a new policy online or over the phone, instead of just changing your existing cover.

Call us on 0330 333 4792 (Monday to Friday, 8am to 6pm)

Email us at customerservices@protectyourbubble.com

MyBubble is the name of our old online account management portal. We have a new online account and policy portal for policyholders called My Policy.

You can log in online to:

View your policy terms and conditions
View your schedule of Insurance
Change your personal details - your email, postal address and phone number
Log a claim

An excess is the amount you will need to pay for any approved claim. The excesses which apply are as follows:

Contents Insurance claims £100

Liability & Legal claims £100

If you need to make a change to your Renters policy, you can contact us by email: ukrenters@assurant.com or call us on Tel: 0333 220 5063

If you need to make a claim, please let us know as soon as possible by contacting us
For claims under the following sections:
Section 1 | Contents
Section 2 | Personal Possessions
Section 3 | Pedal Cycle

Contact Innovation Group by
Tel: 0333 400 9047

Email us at:
Propertyclaims@innovation.group

Write to us at:
Kingsway House, Burnley, BB11 1BJ

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).

You can log your claim online by visiting: My Policy

You can also make a claim by calling us on 0330 333 4792 – our phone lines are open Monday – Friday, 8am – 8pm, and Saturday - Sunday, 9am - 6pm Alternatively you can write to us at

Protect Your Bubble

Emerald Buildings

Westmere Drive

Crewe Business Park

CW1 6UN

You will be advised online or on the phone what information and documents you will need to provide for us to assess your claim, like your proof of ownership or police reference number.

All approved claims require an excess payment. Pay your excess and sit tight while we either repair your gadget or send you a replacement. Your excess will need to be paid before we can settle your claim.

How we settle a claim

We will attempt to repair a damaged gadget and if this is not possible, we will replace it

Claims for loss and theft will be settled with a replacement

Replacements may come from refurbished or remanufactured stock. We will attempt to replace gadgets with one of the same colour but we can’t guarantee to do this

Any Gadget Insurance account login registrations made before the 19th June 2021 will no longer work as the online system used to access your account and policy details has since changed. We apologise for any inconvenience this may cause you.

Please be aware any gadget insurance policy you have with us has not been affected by this change. You will however need to re-create an account in order to view your policy online or access the features of the new login area.

You can create an account and log in online to:

View your policy terms and conditions
View your schedule of insurance
Log a claim

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.

You must be at least 18 years old and a UK resident in order to take out a Gadget Insurance policy with us.

Yes, if your gadget is repaired by us it will come with a 6 month mechanical breakdown warranty (180 days). If your device is replaced it will come with a 12 month mechanical breakdown warranty (365 days)

Samsung Galaxy Tablets typically do not have a dedicated reset button. To perform a reset, go to Settings > General Management > Reset. From there, you can choose options like Factory Data Reset. If your tablet is unresponsive, you can try a hard reset by pressing and holding the Power and Volume Down buttons simultaneously. Always make sure your device has been backed before performing a reset to avoid losing any data.

Pay monthly via Direct Debit. You can choose to have your monthly premium taken on the 2nd, 14th or 25th of the month. Please note that due to processing and set-up times for Direct Debit, your first installment might not be taken for several weeks. Your second installment may be taken within a short time after the first due to this delay.

We will always try to be fair and reasonable. If you believe we have not provided you with a satisfactory level of service, please tell us so that we can do our best to resolve the problem. The easiest way to contact us is to call us on 0330 333 4792. Lines are open Monday – Friday, 8am – 8pm, and Saturday - Sunday, 9am - 6pm. We will do everything possible to ensure that your query is dealt with promptly. Alternatively, you can email complaints@protectyourbubble. com or write to:

Protect Your Bubble

Emerald Buildings

Westmere Drive

Crewe Business Park

CW1 6UN

Please quote your mobile phone number in any correspondence. Assurant General Insurance Limited handles all complaints If you are not happy with our decision you can, within 6 months of our final decision, refer your complaint for an independent assessment to: The Financial Ombudsman Service, Exchange Tower, Harbour Exchange, LONDON, E14 9SR Telephone: 0800 023 4567 / 0300 123 9123, Email: complaint.info@financial-ombudsman.org.uk Web: financial-ombudsman.org.uk Nothing in these terms, including referral to the Financial Ombudsman Service, affects your statutory rights.

This is not a replacement-as-new policy, your replacement gadget will be refurbished or remanufactured. If your gadget cannot be replaced with an identical one of the same age and condition, we will replace it with a comparable or equivalent device, taking into account the age and condition of the original gadget.

Whether or not your phone insurance policy covers cracked screens depends on your provider and the exact terms and conditions of your policy.

However, many insurance providers, including Protect Your Bubble, provide repairs for accidentally cracked screens that affect the functionality of the device, not including cosmetic damage like surface scratches or dents.