Everything you Need to Know About Gadget Insurance – iLounge

Gadgets have become an increasingly big part of our everyday lives. In this digital era, with more and more people buying gadgets such as mobile phones, laptops, and tablets, the safety and protection of these items are vitally important. Most manufacturers provide a 1-year warranty which is mostly limited to manufacturing defects. Your gadgets will not be covered if they become damaged or stolen. Now a days it isn’t unusual to be carrying around a very expensive gadget like a mobile phone, so it is worth the investment to make sure your belongings are protected. This article tells you everything you need to know about gadget insurance.

What is Gadget Insurance?

Gadget insurance is a policy designed specifically to protect and cover the financial costs of replacing or repairing your various gadgets in the event they get stolen, lost, or damaged. Gadgets tend to be small portable items that you can carry around both inside and outside the household. As well as a laptop and mobile phone, these gadgets also include:

  • Tablets
  • Cameras
  • iPad
  • MP3 players
  • Smart watches such as Fit Bit
  • Game consoles
  • Sat Navs
  • Kindles or E readers

These items can be very expensive to replace, which is why having insurance in place to cover the costs of the devices is important. The level of cover will depend on the terms and conditions of the insurance policy. Some insurers, usually have a single item limit.

What is covered under Gadget Insurance Policy?

Gadget insurance from providers such as covers a lot more than your ordinary home insurance policy. Your gadgets are used often so it is important to protect these items. The cover policy depends on and varies between insurance companies, but the following is generally covered:

. Liquid damage

If your device suffers liquid damage, your insurance company will cover the costs under your insurance plan.

. Accidental damage

If you accidentally damage a gadget, your insurance policy will pay to have your device repaired.

. Theft

If your gadget is stolen, your insurer will reimburse you the value of the gadget less depreciation.

. Malicious damage

If your gadget was damaged maliciously, you will be covered for the costs to replace or repair it.

. Worldwide cover

This policy covers your gadgets while you are travelling up to a maximum number of days each year. These days generally range from 60-180.

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