Get protection for you and your gadgets while you’re abroad. We’ll help cover the cost if your laptop, phone or camera is lost, stolen or damaged.
What is Gadget Travel Insurance – and do you need it?
Our phones have everything we need for our trip abroad. Our flight info, boarding passes, hotel address, and even credit and debit cards. But what do you do if you lose your phone? Unforeseen costs from loss or theft can ruin your trip.
- Phones are now the most commonly stolen items of personal property. If your phone is stolen while you’re on holiday, you’ll likely lose access to important information. Gadget Travel Insurance means you’ll be able to get a replacement while you’re abroad.
- The average cost of an iPhone is £647. Most standard Travel Insurance policies only cover up to £200 towards gadgets. If you lose your phone abroad, you may not be reimbursed enough to be able to replace it.
- Phones are not the only gadgets that thieves will look for. Camera theft is on the rise, particularly in urban areas and tourist spots. Travellers are increasingly advised to take precautions against camera theft. Incidents of stolen cameras are reported frequently in various locations.
Want to get comprehensive protection for your devices? Gadget Cover is an add-on option with our Travel Insurance policies. Without Gadget Cover, you may find that your cover limits may not fully cover a much-loved gadget. Make sure you protect both you and your gadgets with comprehensive Gadget Travel Insurance from AllClear.
What does AllClear’s Gadget Travel Insurance cover?
Standard Travel Insurance won’t include any of your gadgets. Gadget Travel Insurance insures you for the loss or theft of expensive electronic items. This includes your camera, mobile phone, tablets and laptop. It’s available as an optional add-on to your policy.
With gadget cover, you extend the standard cover for Gadgets and Valuables on your policy to £1,000 for each item with a total limit for all items of £2,500, regardless of the level of cover you have chosen
What’s covered?
- Accidental damage and theft. We’ll cover the costs of repairing your gadget as a result of accidental damage.
- Liquid damage. Dropped your phone in the sea? Did your tablet get splashed near the pool? We’ll cover the repairs or may provide a replacement for your gadget for watery accidents.
- Unauthorised calls, texts or data use. If your device is lost or stolen, we’ll cover charges incurred before your carrier blacklists it. This includes unauthorised calls, texts, and data usage.
What’s not covered?
- Unreported thefts. To be eligible for cover, lost or stolen devices must be reported to your carrier within 24 hours. We won’t cover unauthorised charges incurred after this deadline.
- Unused phones. We won’t cover claims for lost, stolen, or damaged phones that haven’t been used since you bought the insurance or during your trip.
You’ll need to add Gadget Cover to one of our Travel Insurance policies. That means you’ll also get:
- Medical cover. AllClear policies include emergency medical cover. Even for pre-existing conditions. This includes prescription medication, medical emergencies and medical equipment.
- Cancellation and curtailment. Cover for your flight and accommodation costs if you have to cancel before you go. We’ll also cover you if you need to return home early following an emergency.
- Your baggage. Protection against the cost of stolen, damaged or lost luggage and personal possessions. You can also choose to add extra cover for gadgets to your policy.
- Travel delays and missed departures. If your flight is delayed, we’ll compensate you for the time. If you miss your flight, you’ll also be covered for accommodation and transport costs.
- Personal liability. Cover for your legal expenses and any liability due if you accidentally injure someone. You also have cover if you damage their property while you’re away on holiday.
- All ages. We believe Travel Insurance should be available to as many people as possible. That’s why our Travel Insurance has no upper age limit.
We won’t cover you for:
- Deciding not to travel. We do not provide any cover if you can travel but choose not to.
Other regions. Your Travel Insurance with Gadget Cover won’t cover you if you travel outside your chosen region. You can contact us to upgrade your policy anytime. - Claims below the value of excess. You’re not covered for claims that fall below the value of the excess stated in your policy
- Medical conditions you fail to declare. You need to provide us with an accurate medical history when you buy Travel Insurance. This is so we can give you the right cover. This is especially vital for senior travellers and those with long-term illnesses.
We tailor all our travel policies to your specific requirements. This is why we offer three different policy levels: Gold, Gold Plus, and Platinum.
SWIPE TO COMPARE POLICIES
Gold |
Gold Plus |
Platinum |
|
| Emergency medical expenses and Repatriation costs | Up to £10m | Up to £15m | Unlimited |
| Cancellation* and Curtailment | Up to £2k | Up to £15k | Up to £25k |
| Travel Delay | Up to £300 | Up to £1,500 | Up to £1,500 |
| Personal Belongings | Up to £2k | Up to £2.5k | Up to £5k |
| Personal liability | Up to £2m | Up to £2m | Up to £2m |
| Legal protection cover | Up to £50k | Up to £50k | Up to £100k |
* If you buy a policy which includes cancellation cover. / All these figures are per person and per trip.
Find the best Travel Insurance with Gadget Cover for your trip
Ensure your valuables are protected with the right Gadget Travel Insurance. Travel with peace of mind, knowing AllClear has you covered. Gadget cover can be added onto any of these policy types:
How often do you travel? Your frequency might determine the type of coverage you need.
- Single Trip Travel Insurance: Perfect for a one-time visit. This policy covers all your gadgets and valuables throughout your trip.
- Annual Multi-Trip Travel Insurance: Planning multiple trips this year? Stay covered year-round, protecting your devices and valuables on every trip.
Have specific activities planned? Make sure your cover matches.
- Cruise Cover: If your holiday includes a cruise, you’ll want additional cover. This will protect you against missed departures and cabin confinement.
- Golf Cover: Planning to hit the greens? Protect your valuable golf equipment so you can focus on your game.
Who’s travelling with you? The right policy can vary depending on your companions.
- Family Travel Insurance: Travelling with family? Cover everyone’s valuables under a single policy.
- Group Travel Insurance: Perfect for friends or colleagues. This policy ensures that all your gadgets and gear are protected under one policy.
- Seniors Travel Insurance: Tailored for older travellers. This policy offers comprehensive coverage for a worry-free stay. It includes protection for essential valuables.
How our Travel and Gadget Insurance works: A simple 3 step quote process
Simply complete our quick 3-step screening process to receive your quote. Here’s how it works.
1. Get a quote online or by phone
Ready to start the quote process? The first step is to decide on what kind of Travel Insurance you need. Before you complete your quote, you’ll see a list of add-ons. This is where you need to select Gadget Cover and add it to your plan. You can complete this over the phone with one of our team members. Or get your quote online.
2. Complete our simple medical screening process
You must declare any medical conditions you have. Also, any medications you and your travel companions are taking.
This way, we can provide the cover that best suits your needs.
3. Get your quote
You can either proceed to buy or save your quote at this stage.
“Our gadgets, like phones, tablets, and laptops, are essential travel companions. But standard Travel Insurance often doesn’t cover the full cost of replacements. That’s where our optional Gadget Cover comes in. Stay connected to the world, whether you’re downloading plane tickets or finding your hotel. With Gadget Cover, we’ll replace your lost, damaged, or stolen devices, so you can keep your trip on track.” Letitia Smith – Travel Insurance expert
What Our Customers Say
Very easy to get a quote for travel
Very easy to get a quote for travel insurance and I loved that I could add on valuables and gadget cover in this policy, rather than having to arrange separate cover. Brilliant. Will definitely be using them again for our next travels.
Suzanne Detton, Date of experience: 29 March 2024
97% of customers rate us as Excellent or Great3. Hear what customers have to say about their experience of Gadget Travel Insurance by AllClear.
What our Customers Say
Frequently Asked Questions on Travel Insurance and Gadget Cover
Do you need Gadget Cover Travel Insurance?
Gadget Cover Travel Insurance is not mandatory. However, it can be highly beneficial depending on the value of the gadgets you intend to take with you. You should consider the following points:
- Protection Against Risks. Gadget Cover protects against risks, like accidental damage, theft, and loss while travelling. Given that many of us carry expensive devices, having this coverage can provide peace of mind.
- Standard vs. Add-On Coverage. Most standard Travel Insurance policies may offer limited coverage for gadgets. They often have low payout limits (e.g. around £100 for mobile phones). For many people, this will not be enough to replace a phone.
- Cost-Effectiveness. Gadget cover is a small investment compared to the cost of replacing a lost or damaged device.
Does Gadget Insurance cover a cracked screen?
Yes, Gadget Travel Insurance covers cracked screens as part of accidental damage protection. Keep in mind that most insurance providers will want to know how the screen was cracked. If it was due to carelessness, your policy may not provide cover.
Accidentally cracked your phone’s screen? If you have Travel Gadget Insurance, you should be able to file a claim to get it repaired or replaced. This will be subject to the terms and conditions of your specific policy. The insurance will cover the repair or replacement cost up to the policy limits. Check the wording on your policy documents to be sure.
Will the GHIC cover gadgets abroad?
The GHIC provides access to necessary healthcare in the European Economic Area and some other countries. It does not cover personal items such as gadgets. That’s why you should consider taking out a separate Travel Insurance policy that includes gadget cover.
This type of insurance can cover loss, theft, or damage to personal belongings. This includes electronic devices like mobile phones, laptops, cameras, and tablets.
Get the most out of your trips with our helpful guides
Where are you visiting?
Explore our helpful guides for tips on ensuring you remember everything you need when travelling to one of the destinations below.
Which activities do you have planned?
Whether you’re planning a skiing holiday or setting sail on a cruise, remember to add extra coverage to your policy for a worry-free trip.
