Gadget Insurance Calculator
Our gadget insurance calculator estimates the monthly cost of insuring your electronic devices — smartphones, laptops, tablets, headphones, cameras, and smartwatches — against theft, accidental damage, and breakdown. With flagship phones costing £800–£1,200 to replace, specialist gadget insurance offers targeted protection at a fraction of the replacement cost.
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.
When Gadget Insurance Makes Sense
Gadget insurance is most valuable for high-value devices you carry regularly. A £1,100 smartphone replaced at full cost twice in three years costs £2,200 — whereas a gadget insurance policy might cost £150–£200 over the same period. Always check whether your existing contents insurance already covers your gadgets before buying a separate policy — standard contents insurance covers gadgets inside the home, but away-from-home cover requires a personal possessions extension. Use our Contents Insurance Calculator to verify your current cover level, and our Home Insurance Calculator for the full home insurance picture.
Frequently Asked Questions
Standard contents insurance covers gadgets inside the home. Away-from-home cover requires a personal possessions extension, which many policies do not include as standard. Check your contents policy before buying additional gadget cover.
Excesses of £50–£100 per claim are typical. Some policies have higher excesses for theft versus accidental damage. High-excess policies have lower monthly premiums but mean smaller claims are not worth making.
Yes — most gadget insurers cover refurbished devices provided you have proof of purchase and the device is in good working condition at inception.
Personal gadget insurance typically covers personal use. If your laptop is used primarily for business, a business contents or equipment policy is more appropriate.
The network may include some device protection as part of the contract. If you have separate gadget insurance, the network insurance and personal policy should not both pay the same claim — declare any existing cover when claiming.
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.
Important Information
This calculator is provided for general information and planning purposes only. It does not constitute financial or tax advice and should not be relied upon as such. Figures are indicative estimates based on simplified, publicly available criteria and stated assumptions. Actual results depend on your full circumstances. See our Disclaimer for further information.