What is Mobile Phone & Gadget Insurance?
Mobile Phone & Gadget Insurance is a cost effective way to insure your mobile phones and other electronic equipment both inside the home and whilst you are out and about. It’s only when something goes wrong and we have to replace these products that we understand the true value of our every day Gadgets.
Which Gadgets can I protect with Gadget Insurance?
Most everyday Gadgets can be insured. We cover smart phones such as iPhones, other Mobile Phones, Smart Watches, Laptops, iPads and other Tablet devices, Sat Navs, Game Consoles, Portable DVD Players, iPods and other MP3 players, Digital Cameras and Lenses, Kindles and other e-readers. Digital Cameras and Lenses are insured individually as separate items. Under our Premier Plan we also offer to insure your digital downloads purchased by you and downloaded from the internet on to the Gadget you insure. Often the value of these downloads can be more than the value of the Gadget on which they are stored.
What is covered under the policy?
We offer three different Plans with different covers
Terms and conditions apply so please ensure you read the Policy wording before purchase.
What is the difference between each Plan?
Essential - Each gadget is insured up to £600 for Theft, Accidental Damage, Breakdown* and Malicious Damage. Single items policies have a maximum claim limit of £1,200 in any one year but there is no limit to the number of claims that may be made under our new multi item policy.
Essential Plus - In addition to the cover provided by our Essential Plan, Essential Plus includes cover for Accidental Loss of your gadgets as well as Fraudulent use of your phone should it be lost or stolen. Also, each gadget is insured up to an increased limit of £900. The maximum amount you can claim in any one year is £1,800 for single item policies but there is no limit to the number of claims that may be made under our multi item policy.
Premier - Our highest level of cover which automatically includes all of the benefits of our Essential Plus Plan as well cover for your digital downloads held on the equipment you insure should you irretrievably lose these. Downloaded material may include music, games, videos, apps, ebooks or any other software you have downloaded for a fee. The claims limit for each gadget is £1,200 and the maximum amount you can claim in any one year is £2,500 for single item policies but there is no limit to the number of claims that may be made under our multi item policy.
- All Plans include cover for Accessories such as battery chargers, carrying cases and hands-free mounting kits up to a combined retail price of £250 including VAT.
- All Plans also include cover for use of our gadget anywhere in the world up to a maximum of 90 days in total in any one single 12 month period.
- Fraudulent Use cover under the Essential Plus and Premier Plans is up to a maximum limit of £1,000 and cover will only apply to unauthorised calls made within 12 hours of discovery of the loss or theft of the phone.
- i-Digital offers a short online application process to help you obtain your cover quickly and easily. Our call centres for policy administration and claims are in the UK and you can talk to knowledgeable staff who are waiting to help you.
- We offer an annual or a monthly rolling policy to give you maximum flexibility.
It's important to read the policy documents and understand what's covered and when. When you go through our online quote system you will be given the opportunity to read these before you commit to taking out a policy.
How many Gadgets can I insure?
You can insure a single Gadget or up to five items under the same policy.
If you want more than 5 Gadgets covered you can take out any number of policies. The important thing to remember is that you, an immediate family member who permanently resides with you or your employer must own the Gadgets (as shown by the proof of purchase) in order to take out the insurance.
Can I travel outside the UK for more than 90 days a year and maintain my insurance?
Cover is extended under all Plans to include use of the insured Gadget anywhere in the world but only up to a maximum of 90 days in any single 12 month period. Cover will only apply outside the UK up to 90 days but not beyond that time.
Is there an age restriction on the items I can insure?
The item must be less than 24 months old from the date it was purchased as new at the time the insurance is first purchased.
Does my home insurance policy cover my Gadgets?
If your home insurance policy includes ‘Personal Belongings’ insurance away from the home or ‘All Risks Cover’ you should check whether it covers your Gadgets. Normally items under Personal Belongings or All Risks Cover will only be covered for theft or accidental damage but not for breakdown. The excess on a home insurance policy may also be higher than our policy excess.
What is my IMEI or Serial number and how do I find it?
The IMEI (International Mobile Equipment Identification) number is unique to your mobile phone or smart phone handset. It can be obtained by dialling *#06# on your phone and your IMEI number will be displayed. Other Gadgets will have a unique serial number which you should be able to find on the Gadget itself, your instruction manual or stated on your proof of purchase
When does my cover commence?
There is an initial 14 day period during which, if your Gadget is stolen, lost, damaged or breaks down, you will not be able to claim and this is called the “exclusion period”. The exclusion period is:
- 14 days after the start date of your policy
- 14 days after any change to your policy in which you add a Gadget to your policy or replace a current insured Gadget – the exclusion period applies to the Gadget you add.
Please note that if you have an annual policy the exclusion period will only apply when you first take out the policy. If you renew your annual policy in 12 months time, the exclusion period will not re-apply at renewal.
If I choose to pay my premium monthly, do I need to renew the policy?
There is no need for you to instruct us to renew the policy. If you select monthly rolling periods of cover, the insurance will continue by periods of one month at a time on receipt of each monthly premium which is collected by the policy administrator by Direct Debit.
How do I renew an annual policy?
You will be contacted up to 30 days before the annual renewal date and we will tell you about any changes to the premium or the policy terms and conditions and how to renew your policy. Annual premiums are collected by the policy administrator by Credit or Debit card.
Can you change the policy cover or price?
If you have an annual policy, we would only change the cover or price at your next annual renewal date. You will be contacted up to 30 days before the annual renewal date and we will tell you about any changes to the premium or the policy terms and conditions.
If you have a monthly rolling policy, you will receive at least two months notice if we decide or need to change your policy cover or price. Should we make a change to the cover or price we will not make another change for at least six months.
How can the policy be cancelled?
If you decide that for any reason, this policy does not meet your insurance needs then please return it to the policy administrator within 14 days from the day of purchase or the day on which you receive your policy documentation, whichever is the later. On the condition that no claims have been made or are pending, we will then refund your premium in full.
If you wish to cancel your Policy after 14 days and you pay your premium monthly there will be no refund because you will have only paid for the cover you have already received.
If you wish to cancel your Policy after 14 days and you pay an annual premium in full once a year then, provided no claim has been made, you will receive a proportionate refund of the annual premium.
The Insurer shall not be bound to accept renewal of any insurance and may at any time cancel any insurance document by giving 14 days notice in writing where there is a valid reason for doing so. A cancellation letter will be sent to you at your last known address. Valid reasons may include but are not limited to:
- Non-payment of premium
- Threatening and abusive behaviour
- Non-compliance with policy terms and conditions
Provided the premium has been paid in full you will be entitled to a proportionate rebate of premium in respect of the unexpired period showing on the insurance.
How do I amend my policy?
If you wish to amend your policy to add, replace or remove any Gadgets please contact the policy administrator.
Who is the insurer?
Our Mobile Phone and Gadget Insurance is underwritten by UK General Insurance Limited on behalf of Great Lakes Insurance SE.
How soon will I receive all my policy documents?
We will email your policy documents immediately after purchase.
Can I insure my Gadget if I live outside the UK?
Unfortunately not, this policy is for Gadgets bought and used in the UK, the Isle of Man and the Channel Islands.
If I purchased my Gadget abroad can I have cover?
No, the Gadget has to be bought in the UK, the Isle of Man or the Channel Islands.
Who can use my Gadgets?
You, your immediate family or an authorised user.
Please look at the policy carefully as conditions apply. The policy must be taken out in your name and you or an immediate family member must own the Gadget (as shown by the proof of purchase). However, immediate family means, if you are an individual, your mother, father, son, daughter, spouse, domestic partners who permanently resides with you. There is no age limit on who may use the Gadget.
If the policy is owned and has been taken out by a business (firm, company or partnership), authorised users are registered employees who have been given your express permission to use the Gadget.
Whose Gadgets can I insure under my policy?
The Gadgets must be insured by the owner or, if you are an individual, by you on behalf of an immediate family member who permanently resides with you as shown on the proof of purchase. If your gadget was received by you or an immediate family member as a gift, it can be insured by you provided you hold the original proof of purchase.
Can my Gadget be used for business purposes?
Yes, all Gadgets are covered for both business and personal use. However, if the Gadget is owned by a business (firm, company or partnership) the insurance must be taken out in the name of that business and as a registered employee you must have your employer’s express permission to use the Gadget.
Can I insure second hand Gadgets?
The Gadgets must be purchased as new or refurbished. Any refurbished device must be purchased direct from the manufacturer or network service provider. In the event of a claim we will need to see the original proof of purchase to show it is not more than 24 months old when purchased as new or refurbished and where it was purchased in the UK. Please note we do not accept proof of purchase from any auction website like Ebay or personal classified ad sites such as Gumtree for either the original purchase or any subsequent purchase.
What do I need to do to make a claim?
Please comply with the following procedures as failure to do so may invalidate your claim.
You, the authorised user or an immediate family member must:
- Notify the claims administrator (on 01285 626020 for policies incepting after May 26th 2014 or 0333 999 7917 for all other policies) as soon as possible in any event of any incident likely to give rise to a claim under this insurance;
- Report the theft or accidental loss of any mobile phone or PDA, within 24 hours of discovery to your Airtime Provider and blacklist your handset;
- Report the theft or accidental loss of any Gadget to the Police within 24 hours of discovery and obtain a crime reference number in support of a theft and a lost property number in support of an accidental loss claim;
- Provide details of the claim and any other contract, guarantee, warranty or insurance that may apply to the loss including but not limited to household insurance. Where appropriate a rateable proportion of the claim may be recovered direct from these Insurers.
- Provide original proof of purchase of the Gadget or digital downloads for which you are claiming. This shall include any receipts, documents or any other proof of purchase that is reasonable for us or the claims administrator to request.
Will my Mobile Phone or Gadget be replaced or repaired if it's damaged?
This depends on the extent of the damage, the availability of parts and/or replacements, the value of the item and the cost of a replacement. Every case will be assessed individually.
Should we determine that the Gadget needs to be replaced following a valid claim, if it cannot be replaced with an identical Gadget of the same age and condition, we will replace it with one of comparable specification or the equivalent value, taking into account the age and condition of the original Gadget.
Will you pay for my postage charges if my gadget needs repairs?
You are required to provide your gadget for repair at your own cost to the delivery address given to you by the claims administrator. The mailing costs of gadgets returned to you by the claims administrator or their agents will be paid by the insurer.
Do you use approved repairers?
We want all repairs to have high quality repairs and will only use our approved repairers. Our repairers may not necessarily be authorised or approved by your gadget manufacturer which may affect your manufacturer’s warranty and returns or upgrade policies. Any valid breakdown claim not covered by your manufacturer’s warranty due to an earlier repair completed by us would be fairly considered by us provided your policy remains in force. All of our repairs carry a minimum six months warranty.
Is there an excess fee?
There is a policy excess applicable to each and every claim of £50. This is the amount you must contribute towards the claim).
Claims for digital downloads carry an additional excess of £25 for each claim.
We apologise but we are in the process of changing our offering and updating our technology. We have therefore temporarily ceased taking on new business.
This has no impact on existing customers and a full service should be resumed shortly.