Gadget and Possessions Insurance

Why choose Howden for Gadget and Possessions Insurance?

As an insurance broker, we pride ourselves on doing the heavy lifting, so you don’t have to. We adopt this same approach when getting our clients gadget insurance. Thanks to the great relationships we have with our selected panel of standard and specialist insurers, we make the process of comparing multiple gadget insurance policies, on your behalf, simple and easy. What’s not to like?

We also know that each policy needs to be as individual as its owner, and that’s why we provide a personalised, tailored service, focused on getting to know you and finding out exactly what you want from your insurance for your gadgets.

Ultimately, whether you need to make a claim, purchase a new policy, or renew an existing one, just know that we’re here to help.

Benefits of working with Howden:

• You can trust us – we’re rated Excellent on Trustpilot.
• We’re driven to save you time, money, and hassle.
• Benefit from a tailored service that comparison sites can’t provide.
• Speak with your local branch, within your community.
• We’re right by your side in the event of a claim.

What does Gadget and Possessions Insurance cover?

Portable gadgets are more prone to accidental damage or getting lost. And when it’s something high value, like a brand-new iPad or iPhone, it can be costly and frustrating to replace. Gadget insurance gives you the peace of mind that, if anything does happen, you know you’re covered for the cost of repairs or replacement.

Smartphones, laptops, cameras, games consoles, tablets, digital cameras and your Airpods could all be covered under a gadget insurance policy. The best insurance providers will also cover you if your gadgets are either damaged, stolen or lost. It’s important though that you fully understand what’s covered under a gadget and possessions policy before you buy.

Here’s how a typical gadget insurance policy could protect your electronic valuables.

Accident damage – the cost of repairing or replacing your device if it gets accidentally damaged, whether it’s dropped, it has something spilt on it, gets a cracked screen, or it malfunctions.

Breakdown – if your device breaks down or any part of it is burnt out

Theft and loss – your device could be replaced if it’s lost or stolen.

Accessories – cover for the likes of chargers, protective cases, carrying cases, and hands-free mounting kits.

Worldwide coverage - your device is protected even when you're traveling or outside your home country.

Unauthorised call cover - in case your device is stolen or lost, gadget insurance may cover the costs incurred from unauthorised calls, messages, or data usage.

Extended warranty cover – this allows device owners to extend their warranty period, allowing them to still get a replacement if it breaks.

Be aware that not all gadget policies are the same regarding what is - and isn't - covered. By talking to an insurance broker like Howden, you can eliminate any doubts you may have, and understand how your gadgets can be correctly protected by an insurance policy.