Gadget Insurance Calculator
Our gadget insurance calculator estimates annual cover for your devices including accidental damage, theft, and liquid damage — often with lower excesses than home contents policies.
Gadget Insurance Calculator
Estimate the cost of insuring your phone, laptop, tablet and other gadgets against accidental damage, theft and breakdown.
Estimates are indicative. Check whether your home contents policy already covers your gadgets before buying specialist cover.
Enter the total value of electronic devices you want to cover. Gadget insurance typically covers smartphones, tablets, laptops, cameras, and wearables against accidental damage, liquid damage, theft, and sometimes mechanical breakdown. Check whether your home contents policy already includes gadget cover — many policies include accidental damage for specified electronics, and some include away-from-home coverage. For standalone gadget insurance, check the excess carefully: a £50-100 excess on a claim for a £200 repair makes the policy less valuable than it appears. Multi-gadget policies covering several devices from a single premium are typically more cost-effective than insuring each device separately. Consider the replacement value of your devices carefully — older devices depreciate, so check whether the policy pays replacement value or new-for-old.