What does gadget insurance cover?

Most comprehensive gadget insurance policies cover: accidental damage, liquid damage, mechanical breakdown, theft and loss. Some budget policies exclude loss and theft — always check. Additional features may include: worldwide cover, unauthorised calls cover, and accessories cover up to £150.

Is gadget insurance worth it?

For high-value devices (phones, laptops, tablets worth £500+), yes — especially if you don't have comprehensive home contents cover. For lower-value gadgets under £200, self-insuring may make more sense. Check your home contents insurance first — some policies already cover gadgets.

Can I insure multiple gadgets on one policy?

Yes — multi-gadget insurance covers several devices under one policy, often at a discounted rate. Family gadget policies cover all household members' devices. This is usually cheaper than insuring each device separately. Providers like Insurance2go and loveit coverit offer multi-device cover with discounts.

Gadget Insurance UK 2026: Best Providers, Costs From £1.50/Month & Is It Worth It?

Q: How much does gadget insurance cost UK?

Gadget insurance typically costs from £1.50 to £15+ per month per device, depending on the device type, value and level of cover. Specialist providers like Insurance2go start from £4.49/month. Best Insurance starts from £4/month. Multi-gadget policies covering several devices are available with discounts — loveit coverit offers 10% off when insuring multiple devices. Source: Moneyfacts February 2026; provider pricing April 2026.

UK adults now own an average of 3-4 connected devices each. With smartphones costing £1,000-£1,500 and laptops £800-£2,000, gadget insurance from £1.50/month provides essential protection. Here's everything you need to know for 2026. Updated April 2026

Gadget Insurance Costs UK 2026 — Verified

Provider	Monthly Cost	Annual Cost	What's Covered	Source
Best Insurance	From £4/month	From £48/year	Damage, theft, loss, breakdown, £150 accessories	bestinsurance.co.uk
CoverCloud	£5.60/month	£67.20/year	Damage, breakdown, theft, loss	CoverCloud
Insurance2go	From £4.49/month	From £53.88/year	Damage, theft, loss, worldwide	insurance2go.co.uk
loveit coverit (multi)	10% discount	–	All devices, rolling contract	loveitcoverit.com
Barclays Tech Pack	Packaged account	Via bank account	Phones, gadgets, Apple/Samsung certified repairs	Barclays via Likewize/Aviva
Home contents add-on	£30+/year extra	–	Gadgets away from home (check limits)	Various comparison sites

Source: Moneyfacts gadget insurance comparison February 2026; provider pricing April 2026. As a general guide, specialist gadget insurance costs £1.50-£15+/month per device. Always get a personalised quote as prices vary significantly by device value and cover level.

What Gadget Insurance Covers — and What It Doesn't

Cover	Typically Included?	Notes
Accidental damage (cracked screen etc)	✅ Yes	Core cover on most policies
Liquid damage	✅ Yes	Standard inclusion
Mechanical breakdown	✅ Yes	After manufacturer warranty expires
Theft	✅ Usually	Check — some basic policies exclude this
Loss (misplacement)	⚠️ Often optional	Higher-tier policies include loss; budget ones may not
Worldwide cover	⚠️ Often included	Check max consecutive days abroad
Unauthorised calls after theft	✅ Often included	Usually up to £100-£500 limit
Accessories	⚠️ Often included	Usually up to £150 — helmets, cases
Pre-existing damage	❌ Never covered	Device must be in working condition when insured
Second-hand gadgets	⚠️ Check policy	Many require purchase from UK registered retailer

Should You Get Standalone Gadget Insurance or Home Contents?

Option	Pros	Cons	Best For
Specialist gadget insurance	Tailored cover, lower excess, loss usually included	Monthly cost per device adds up	High-value individual devices
Home contents with personal possessions add-on	One policy for everything	High excess, lower single-item limits	Multiple devices, homeowners
Packaged bank account	Often included free	Must pay for account monthly	Those already paying for a packaged account
Self-insure	No premiums	Full replacement cost if something goes wrong	Budget/low-value devices under £200

Multi-Gadget Insurance — Best Value for Families

If you have multiple devices to insure — phone, laptop, tablet, smartwatch — a multi-gadget policy is almost always cheaper than insuring each separately. Providers like Insurance2go and loveit coverit offer 10% multi-device discounts. Family gadget policies cover all household members including children, making them excellent value for tech-heavy households.

KAELTRIPTON VERDICT

Gadget insurance from £4-£5/month per device is worth it for smartphones and laptops costing £500+. Insurance2go and Best Insurance offer the best-value specialist cover. Check your home contents policy first — you may already have some cover. For devices under £200, self-insuring is usually smarter.

Rating: ★★★★☆ Worth It for High-Value Devices

Q: How much does gadget insurance cost UK?

A: From £1.50-£15+/month per device. Insurance2go from £4.49/month, Best Insurance from £4/month. Source: Moneyfacts Feb 2026.

Q: What does it cover?

A: Accidental damage, liquid damage, mechanical breakdown, theft and (on premium policies) loss. Accessories usually included up to £150.

Q: Is it worth it?

A: Yes for devices worth £500+. For devices under £200, self-insuring may be smarter. Check home contents cover first.

Q: Can I insure multiple gadgets?

A: Yes — multi-gadget policies with 10% discounts are available from Insurance2go and loveit coverit.

This article is for informational purposes only and does not constitute financial advice. Insurance prices change frequently — always compare quotes before buying. All figures verified April 2026.

Kael Tripton

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Gadget Insurance UK 2026: Best Multi-Device Policies Compared

Gadget Insurance Costs UK 2026 — Verified

What Gadget Insurance Covers — and What It Doesn't

Should You Get Standalone Gadget Insurance or Home Contents?

Multi-Gadget Insurance — Best Value for Families

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