Gadget & mobile insurance

Electronic gadgets are now part and parcel of our everyday lives and in addition to the inconvenience, the cost of replacement can be expensive.

Nice 1 Gadget Cover will provide cover without the need to claim on a main motor or household policy, keeping No Claims Discounts intact*.


  • Accidental damage - covers repair costs if an insured gadget is damaged as a result of an accident.
  • Theft – covers replacement cost if an insured gadget is stolen.
  • Loss – covers replacement if an insured mobile phone is accidentally lost (no other gadget is insured for accidental loss).
  • Breakdown – covers electrical or mechanical breakdown of an insured gadget that occurs outside the manufacturers guarantee period (this cover does not extend to laptops).
  • Worldwide Cover - Insured gadgets are covered for up to 90 days abroad within any 12-month period
  • Fraudulent Call Cover - If an insured mobile phone is accidentally lost or stolen and is used fraudulently, covers reimbursement of the costs (upon receipt of your itemised bill) up to the maximum value of £2500.
  • Cover for policyholder and immediate family.

Two cover limits are available, £500.00 and £1000.00**

*£25 excess (theft or accidental damage), £50 excess (accidental loss). **maximum two claims per insured peril during any single period of insurance. Please refer to the policy IPID and policy wording for a more detailed explanation of benefits and exclusions.