At any time.

The definition of gadget allows any of the following:

• mobile phone (including iPhone),
• iPad,
• Tablet,
• Satellite navigation unit,
• iPod,
• MP3 player,
• Laptop,
• Camera,
• Portable DVD player,
• Portable gaming consoles, or
• LCD monitors or phablets.

Your gadgets must be purchased as new with evidence of ownership available; purchased as refurbished direct from the Manufacturer or Network Provider with evidence of ownership available; gifted to you as long as you are able to provide a Gift receipt; not be more than 36 months old at the time the policy is purchased and in good condition and full working order at the time this policy is purchased.

It is possible but only with the written consent of the insurer.

• Theft:
Where all available precautions have not been taken to protect your gadget.
• From a building or premises that does not involve forcible and violent entry or exit from the building.
• From motor vehicles where no-one in the vehicle and all the doors and windows have not been locked and all security systems have not been activated, or where the item has not been concealed in a locked boot, locked glove box or other locked internal compartment.
• Losses where the circumstances cannot be clearly defined, i.e. you cannot confirm the time and place you last had the gadget.
• Breakdown or damage caused deliberately by you, by you not following the manufacturer’s instructions, by routine servicing, maintenance or cleaning, as a result of the use of non-original accessories, or by any computer virus or similar.
• Wear and Tear
• Cosmetic damage that does not affect performance
• Accidental loss for any gadget other than a mobile phone.
• Electrical breakdown of laptops or computers.
• The cost of any fraudulent calls if the loss of theft of your mobile phone has not been reported lost or stolen to the service provider within 24 hours of discovery.
• Loss of data or software
• Value Added Tax (VAT) where you are registered with HM Revenue and Customs for VAT.
• Any expense incurred as a result of not being able to use the gadget if damaged, lost or stolen.
• Any loss of a SIM card.
• Any form of fraudulent claim.

The level of cover is a choice of:
£1000, or
£2500, or
£5000.

Your gadget(s) will be covered up to a maximum sum per gadget depending on the level of cover you choose. A maximum of 2 claims can be made in any 12 month period. However, each claim is subject to an excess fee that you must pay. The excesses that you must pay towards a claim are:

• If your claim is for a gadget up to the value of £500 (when new) the excess fee is £50 for any claim.
• If your claim is for a gadget between the values of £500 - £999 (when new) the excess fee is £75 for any claim.
• If your claim is for a gadget over the value of £999 (when new) the excess fee is £100 for any claim.

In addition, if your mobile phone is accidentally lost or stolen and is used fraudulently, you will be reimbursed for the costs upon receipt of your itemised bill up to a maximum value of £5000.

Cover applies within the geographical limits of:

Great Britain,
Northern Ireland,
The Channel Islands and the Isle of Man, and
Worldwide for a maximum of 90 days in total in any single 12 month period of insurance.

This Gadget policy entitles you to repair or replacement of your gadget or mobile phone, in the event of accidental damage, theft, accidental loss, breakdown, liquid damage or malicious damage. Cover is also provided for fraudulent calls if your phone is lost or stolen.

The intention of this policy is to put you back in the same position as immediately prior to the loss or damage of your gadget.

All of the answers provided by these general questions are summaries and should be read in conjunction with the policy IPID and policy wording.

Policies are for a term of 1 year.

1. You must:
• notify Direct Group Limited on 0203 794 9297 or by emailing supercoverclaims@directgroup.co.uk as soon as possible but ideally within 48 hours of the discovery of any incident likely to give rise to a claim under this insurance. If the incident happened outside of the UK, please notify Direct Group Limited within 48 hours of your return to the UK,
• report the theft or accidental loss of any mobile phone or theft of any tablet within 24 hours of discovery to your Airtime Provider and blacklist your handset/tablet,
• report the theft or accidental loss of any gadget to the Police within 48 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 us with 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.

Please note that any delay in reporting an incident to Supercover Insurance Ltd, your Airtime Provider or the Police may invalidate your right to claim under the policy.

2. If it is decided to replace your gadget, all outstanding or overdue premiums must be paid immediately, otherwise your claim payment may be reduced by the amount of outstanding or overdue premiums that you owe.
3. If your gadget is replaced, the damaged or lost item becomes the insurer’s property. If it is returned or found you must notify them and send it to them if asked to do so.

The insurers are covered by the Financial Services Compensation Scheme (FSCS) established under the Financial Services and Markets Act 2000. You may be entitled to compensation of up to 90% of the cost of your claim in the unlikely event that the insurer cannot meet its obligations. Further information about compensation scheme arrangements is available at www.fscs.org.uk

• Repair costs if your gadget is damaged as a result of an accident. If it cannot be repaired it will be replaced.
• If your gadget is stolen it will be replaced.
• If you accidentally or unintentionally lose your mobile phone it will be replaced.
• If your gadget (other than laptops or computers) suffers electrical breakdown which occurs outside of the manufacturer’s guarantee period, it will be repaired. If it cannot be repaired it will be replaced.
• If your gadget is damaged as a result of accidentally coming into contact with any liquid, it will be repaired. If it cannot be repaired it will be replaced.
• If your mobile phone is accidentally lost or stolen and is used fraudulently, you will be reimbursed for the costs upon receipt of your itemised bill up to a maximum of £2,500.
• If your gadget is intentionally or deliberately damaged due to the actions of another party, not including your immediate family, it will be repaired. If it cannot be repaired it will be replaced.

The level of cover is a choice of:
£5000, or
£10,000, or
£20,000.

Your gadget(s) will be covered up to a maximum sum per gadget depending on the level of cover you choose. A maximum of 2 claims can be made in any 12 month period. However, each claim is subject to an excess fee that you must pay. The excesses that you must pay towards a claim are:

• If your claim is for a gadget up to the value of £500 (when new) the excess fee is £50 for any claim.
• If your claim is for a gadget between the values of £501 - £999 (when new) the excess fee is £75 for any claim.
• If your claim is for a gadget over the value of £999 (when new) the excess fee is £100 for any claim.

In addition, if your mobile phone is accidentally lost or stolen and is used fraudulently, you will be reimbursed for the costs upon receipt of your itemised bill up to a maximum value of £2500.

This Gadget policy entitles you to repair or replacement of your gadget or mobile phone, in the event of accidental damage, theft, accidental loss, breakdown, liquid damage or malicious damage. Cover is also provided for fraudulent calls if your phone is lost or stolen.

The intention of this policy is to put you back in the same position as immediately prior to the loss or damage of your gadget.

All of the answers provided by these general questions are summaries and should be read in conjunction with the policy IPID and policy wording.

At any time.

• Theft:
Where all available precautions have not been taken to protect your gadget.
• From a building or premises that does not involve forcible and violent entry or exit from the building.
• From motor vehicles where no-one in the vehicle and all the doors and windows have not been locked and all security systems have not been activated, or where the item has not been concealed in a locked boot, locked glove box or other locked internal compartment.
• Losses where the circumstances cannot be clearly defined, i.e. you cannot confirm the time and place you last had the gadget.
• Breakdown or damage caused deliberately by you, by you not following the manufacturer’s instructions, by routine servicing, maintenance or cleaning, as a result of the use of non-original accessories, or by any computer virus or similar.
• Wear and Tear
• Cosmetic damage that does not affect performance
• Accidental loss for any gadget other than a mobile phone.
• Electrical breakdown of laptops or computers.
• The cost of any fraudulent calls if the loss of theft of your mobile phone has not been reported lost or stolen to the service provider within 24 hours of discovery.
• Loss of data or software
• Value Added Tax (VAT) where you are registered with HM Revenue and Customs for VAT.
• Any expense incurred as a result of not being able to use the gadget if damaged, lost or stolen.
• Any loss of a SIM card.
• Any form of fraudulent claim.

It is possible but only with the written consent of the insurer.

The insurers are covered by the Financial Services Compensation Scheme (FSCS) established under the Financial Services and Markets Act 2000. You may be entitled to compensation of up to 90% of the cost of your claim in the unlikely event that the insurer cannot meet its obligations. Further information about compensation scheme arrangements is available at www.fscs.org.uk

• Repair costs if your gadget is damaged as a result of an accident. If it cannot be repaired it will be replaced.
• If your gadget is stolen it will be replaced.
• If you accidentally or unintentionally lose your mobile phone it will be replaced.
• If your gadget (other than laptops or computers) suffers electrical breakdown which occurs outside of the manufacturer’s guarantee period, it will be repaired. If it cannot be repaired it will be replaced.
• If your gadget is damaged as a result of accidentally coming into contact with any liquid, it will be repaired. If it cannot be repaired it will be replaced.
• If your mobile phone is accidentally lost or stolen and is used fraudulently, you will be reimbursed for the costs upon receipt of your itemised bill up to a maximum of £2,500.
• If your gadget is intentionally or deliberately damaged due to the actions of another party, not including your immediate family, it will be repaired. If it cannot be repaired it will be replaced.

Yes, so long as they are purchased within the term of the policy.

Cover applies within the geographical limits of:

Great Britain,
Northern Ireland,
The Channel Islands and the Isle of Man, and
Worldwide for a maximum of 90 days in total in any single 12 month period of insurance.

Policies are for a term of 1 year.

The definition of gadget allows any of the following:

• mobile phone (including iPhone),
• iPad,
• Tablet,
• Satellite navigation unit,
• iPod,
• MP3 player,
• Laptop,
• Camera,
• Portable DVD player,
• Portable gaming consoles, or
• LCD monitors or phablets.

Your gadgets must be purchased as new with evidence of ownership available; purchased as refurbished direct from the Manufacturer or Network Provider with evidence of ownership available; gifted to you as long as you are able to provide a Gift receipt; not be more than 36 months old at the time the policy is purchased and in good condition and full working order at the time this policy is purchased.

Gadgets purchased during the term of the policy are also covered.

1. You must:
• notify Direct Group Limited on 0203 794 9297 or by emailing supercoverclaims@directgroup.co.uk as soon as possible but ideally within 48 hours of the discovery of any incident likely to give rise to a claim under this insurance. If the incident happened outside of the UK, please notify Direct Group Limited within 48 hours of your return to the UK,
• report the theft or accidental loss of any mobile phone or theft of any tablet within 24 hours of discovery to your Airtime Provider and blacklist your handset/tablet,
• report the theft or accidental loss of any gadget to the Police within 48 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 us with 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.

Please note that any delay in reporting an incident to Supercover Insurance Ltd, your Airtime Provider or the Police may invalidate your right to claim under the policy.

2. If it is decided to replace your gadget, all outstanding or overdue premiums must be paid immediately, otherwise your claim payment may be reduced by the amount of outstanding or overdue premiums that you owe.
3. If your gadget is replaced, the damaged or lost item becomes the insurer’s property. If it is returned or found you must notify them and send it to them if asked to do so.