What is Gadget Insurance and Do I Need It?


With electronic gadgets such as iPods, mobile phones, laptops and net books becoming more desirable, gadget insurance is a specialist product aimed at those of us with plenty of gadgets. As these gadgets become more of an integrated part of our lives, we tend to forget the actual value of items we can be carrying around with us every day. Simply carrying around an iPod, a top of the range mobile phone, and a laptop and you could have gadgets worth around £1,000 on you! Certainly, research* has highlighted how around half of us are carrying gadgets worth up to £500 when we leave home.
So, what would you do if they were stolen, damaged or lost? Could you afford to replace them? This could be a good time to consider Gadget Insurance.
What does it cover?
Policies vary but in the main, you buy a standard policy that covers up to five named items, those items can include:
Mobile Phones, iPods, PSP’s and other portable consoles, PDA’s, Satellite Navigation Systems,MP3 Players, Cameras, Camcorders, Personal Media Players, and Laptops and PC’s.
Why do I need it?
With these items being more portable, there is an increased likelihood that these could be damaged, lost or even stolen. Policies will typically cover you if a gadget breaks down which can be a great comfort if replacing it is important.
Gadget insurance is something that should be considered if you have a lot of gadgets which you take out with you frequently.  It is a simple product to buy and there are several providers which allow you to buy online.
As mentioned before, policy features can vary among providers – for example, while theft or damage cover is typically available for all your gadgets, the ‘loss’ element may cover mobile phones and PDA’s only, so do check what the cover offers before you buy.
If worrying about your gadgets every time you go out is something that happens to you, then why not consider Gadget Insurance? It can give you a good level of peace of mind and insure your gadgets against pretty much anything that can happen to them.
*Research carried out across 501 consumers aged 18-64 years old. Research undertaken by Aurora Market Research (May 2009).

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