Gadget Insurance
Cover for the devices that go everywhere with us
Smartphones, tablets, laptops, and other everyday gadgets are designed to be easy to carry and expensive to replace. Gadget Insurance provides comprehensive cover for loss, theft, and accidental damage, whether it's sold as a standalone policy or alongside another product.
Cover Built Around How Gadgets Are Actually Used
Household contents insurance might offer some protection for gadgets, but it often comes with restrictions, such as limiting cover to specific types of incident. Claiming on it could also affect the customer’s no claims discount and future premiums. Gadget Insurance is built specifically around the way people actually use these devices, out of the house, in transit, and constantly at risk of being lost, stolen or damaged.
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Extensive Range
Cover includes mobile phones, tablets, sat navs, laptops, cameras, drones, portable DVD players and other eligible electronic devices, reflecting the range of technology customers rely on every day.
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Family Included
Cover extends to the policyholder and their immediate family where they reside at the same address, rather than being limited to a single named device owner.
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Fraudulent Use Covered
If a mobile phone is lost or stolen and used fraudulently, customers are reimbursed for the unauthorised charges, up to £2,500 for calls and £500 for data.
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Sold Standalone or Alongside Existing Cover
The product can be sold as a standalone policy or alongside another insurance product, giving partners flexibility in how it's positioned.
what the policy covers
Comprehensive Protection for Everyday Devices
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Loss
Cover applies if a gadget is lost.
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Theft
Cover applies if a gadget is stolen.
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Accidental Damage
Cover applies where a gadget is accidentally damaged including liquid damage.
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Fraudulent usage
Cover for up to £2,500 of unauthorised usage and £500 of fraudulent data usage if an insured gadget is lost or stolen.
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Worldwide cover
Cover can be extended to include gadgets taken abroad, for up to 90 days at a time, giving customers protection while travelling.
who it’s for
Built for Modern, Mobile Lifestyles
Gadget Insurance is designed for anyone whose everyday devices matter enough to be worth protecting properly, not just those without any other cover in place.
The policyholder
Cover applies to the devices belonging to the named policyholder.
Immediate family members
Cover extends to the policyholder and their immediate family where they reside at the same address, rather than being limited to a single named device owner.
Anyone whose contents insurance falls short
Customers whose household contents policy restricts the type of incident it covers for gadgets can use this product to close that gap.
Why choose Coplus
Trusted Property Ancillary Partner
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Industry experience since 1988
Gadget Insurance is judged by how smoothly a claim is settled when a customer's phone or laptop stops working. Our long-standing experience in ancillary products means partners get a proposition that performs well when it's actually needed.
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Comprehensive cover across loss, theft and damage
Rather than covering a narrow set of incidents, the product is designed to respond to the full range of ways a gadget can let a customer down.
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In-house claims management expertise
We manage Gadget Insurance claims from first contact through to resolution, using the same in-house teams behind our wider claims services, so the experience reflects well on your brand at every step.
Our range of property ancillary products
Related Property Products
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Home Emergency Cover
Access to a qualified, approved tradesperson, day or night, when something goes wrong at home.
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Home Excess Protection
Covers the excess when a customer claims on their home insurance, for homeowners and tenants alike.
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Key Insurance
Cover for lost, stolen or broken keys, for both home and vehicle, as modern keys become costlier to replace.
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Tenant’s Liability
Protects tenants against the cost of accidental damage to their landlord’s property, including buildings, household goods and furniture.
Frequently asked questions
Gadget Insurance FAQs
What does Gadget Insurance cover?
It provides comprehensive cover for loss, theft, accidental damage for devices including mobile phones, tablets, sat navs, laptops, cameras, and portable DVD players.
Doesn't my household contents insurance already cover this?
Not always. Many contents policies only cover gadgets inside the home, or only with added accidental damage cover, and claims can affect the home insurance no claims discount.
Does this cover gadgets taken abroad?
Cover can extend to trips abroad, subject to the limits in the policy wording.
What happens if a mobile phone is lost or stolen and someone else runs up charges?
Customers should report the loss to their network provider straight away to block the phone. Cover for unauthorised call, text and data charges depends on the policy terms.
Can this be sold as a standalone policy?
Yes. Gadget Insurance can be sold on its own or alongside other products.
How old can a gadget be?
Under 36 months.
Get in touch
Trusted By Brokers and Insurers Across The UK
We work with brokers, insurers, and partners to deliver products and services that add value, strengthen relationships, and support customers when they need it most.
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Affinity & Partners
Start selling ancillary products in weeks with dedicated support and tech built for seamless integration.
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Brokers
Enhance customer value through flexible products, claims expertise and operational support.
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Insurers & MGAs
Access governed products, scalable claims operations and flexible distribution solutions.
Talk directly with the team
We aim to respond within 2 working days