Inspect your gadgets! Airport Parking and Hotels (APH) Compares Gadget Travel Insurance Policies

travel-gadgets
A typical British traveller will go abroad with more than £1,000 worth of electronic equipment and according to the Foreign and Commonwealth Office, of the British travellers who do have insurance, only 12 per cent of them read all their travel insurance documentation* carefully. To help consumers stay wired-up to the latest information, Airport Parking and Hotels has compiled a comprehensive guide highlighting the different policies available for travel and gadget insurance.

INSURANCE COMPANY

DESTINATION

POLICY TYPE

WHAT’S INCLUDED

PRICE PER TRIP

EXCESS CHARGE

NOTES
EXTRA INFO

Barclays
  • Europe excluding Spain (including Balearic & Canary Islands), Cyprus, Turkey or Malta
  • Travel Essentials
  • Any gadget up to £500
  • £15.42
  • £150.00
  • Customers can pay £7.50 a month and will automatically get their phone insured worldwide
  • Price has been calculated based on Barclays standard excess charge (customers can select if they want to pay more or less, which will in return affect final price)
  • Travel
  • Any gadget up to £1,250
  • £18.14
  • £100.00
  • Travel Plus
  • Any gadget up to £1,500
  • £22.43
  • £50.00
  • Europe including Spain (including Balearic & Canary Islands), Cyprus, Turkey and Malta
  • Travel Essentials
  • Any gadget up to £500
  • £15.42
  • £150.00
  • Travel
  • Any gadget up to £1,250
  • £18.14
  • £100.00
  • Travel Plus
  • Any gadget up to £1,500
  • £22.43
  • £50.00
  • Worldwide excluding USA, Canada, Mexico, Caribbean, China, Hong Kong or Singapore
  • Travel Essentials
  • Any gadget up to £500
  • £19.32
  • £150.00
  • Travel
  • Any gadget up to £1,250
  • £22.74
  • £100.00
  • Travel Plus
  • Any gadget up to £1,500
  • £28.10
  • £50.00
  • Worldwide including USA, Canada, Mexico, Caribbean, China, Hong Kong or Singapore
  • Travel Essentials
  • Any gadget up to £500
  • £23.41
  • £150.00
  • Travel
  • Any gadget up to £1,250
  • £27.55
  • £100.00
  • Travel Plus
  • Any gadget up to £1,500
  • £34.06
  • £50.00
Better Buy Insurance
  • Worldwide
  • Monthly Subscription
  • Accidental damage
  • Water damage
  • Breakdown
  • Immediate cover
  • Mobile covered for you and your family
  • Accessory Cover (£50)
  • Worldwide cover (30 days each journey max)
  • Theft
  • Loss
  • Unauthorised calls
  • Starting price of £6.99 per month
  • iPhone excess £50.00 or £75.00 for loss
  • Mobile Phones Excess £25.00 or £50.00 for loss
  • Mobile and iPhone insurance only

 

 

  • Worldwide
  • Yearly Subscription
  • Accidental damage
  • Water damage
  • Breakdown
  • Immediate cover
  • Mobile covered for you and your family
  • Accessory Cover (£50)
  • Worldwide cover (30 days each journey maximum)
  • Theft
  • Loss
  • Unauthorised calls
  • Starting price of £69.90 per year
  • iPhone excess £50.00 or £75.00 for loss
  • Mobile Phones Excess £25.00 or £50.00 for loss
Cover Cloud
  • Europe

 

  • Bronze
  • N/A
  • £9.30
  • N/A
  • No gadget or personal possession cover with Bronze

 

  • Silver
  • Any gadget cover up to £1,000

 

  • £16.41
  • £100.00
  • Gold
  • Any gadget cover up to £2,000

 

  • £18.87
  • £100.00
  • Australia/NZ

 

  • Bronze
  • No gadget cover
  • £16.50
  • N/A
  • Silver
  • Any gadget cover up to £1,000
  • £29.10
  • £100.00
  • Gold
  • Any gadget cover up to £2,000
  • £33.48
  • £100.00
  • Worldwide excluding USA/Canada
  • Bronze
  • N/A
  • £22.40
  • N/A
  • Silver
  • Any gadget cover up to £1,000
  • £39.54
  • £100.00
  • Gold
  • Any gadget cover up to £2,000
  • £45.48
  • £100.00
  • Worldwide

 

  • Bronze
  • N/A
  • £21.44
  • N/A
  • Silver
  • Any gadget cover up to £1,000
  • £37.83
  • £100.00
  • Gold
  • Any gadget cover up to £2,000
  • £43.50
  • £100.00
CoverforYou.com
  • Europe excluding Spain, the Canary Islands, Turkey, Cyprus, Malta, Switzerland
  • Silver
  • Any gadget cover up to £1,000
  • £12.50
  • £100.00
  • Valuables and electronic equipment including: photographic, audio, video, electronic, electrical equipment (including cds, dvds, video and audio tapes and electronic games), MP3 players, computer equipment, binoculars
  • Antiques, jewellery, watches, furs, silks, precious stones and articles made of or containing gold, silver or precious metals
  • Gold
  • Any gadget cover up to £1,500
  • £15.00
  • £75.00
  • Platinum
  • Any gadget cover up to £2,000
  • £20.00
  • £50.00
  • Europe including Spain, the Canary Islands, Turkey, Cyprus, Malta, Switzerland
  • Silver
  • Any gadget cover up to £1,000
  • £12.50
  • £100.00
  • Gold
  • Any gadget cover up to £1,500
  • £15.00
  • £75.00
  • Platinum
  • Any gadget cover up to £2,000
  • £20.00
  • £50.00
  • Worldwide excluding North America & Caribbean
  • Silver
  • Any gadget cover up to £1,000
  • £22.50
  • £100.00
  • Gold
  • Any gadget cover up to £1,500
  • £27.50
  • £75.00
  • Platinum
  • Any gadget cover up to £2,000
  • £35.00
  • £50.00
  • Worldwide including North America & Caribbean
  • Silver
  • Any gadget cover up to £1,000
  • £27.50
  • £100.00
  • Gold
  • Any gadget cover up to £1,500
  • £32.50
  • £75.00
  • Platinum
  • Any gadget cover up to £2,000
  • £40.00
  • £50.00
  • Australia and New Zealand
  • Silver
  • Any gadget cover up to £1,000
  • £20.00
  • £100.00
  • Gold
  • Any gadget cover up to £1,500
  • £25.00
  • £75.00
  • Platinum
  • Any gadget cover up to £2,000
  • £32.50
  • £50.00
Debenhams
  • Europe Excluding Algeria, Israel, Libya & Lebanon
  • Bronze
  • Any gadget cover up to £1,500
  • £11.82
  • £100.00
  • The maximum payment for any one item is £1,000, with a total payment for all items of £2,000
  • Customers will be responsible for 10% of the value of the claim, for all items listed, as well as the usual excess that applies
  • Customers must show an original receipt, proof of purchase or a written insurance valuation for all items

 

 

  • Silver
  • Any gadget cover up to £1,500
  • £18.11
  • £60.00
  • Gold
  • Any gadget cover up to £2,000
  • £23.87
  • £50.00
  • Platinum
  • Any gadget cover up to £2,500
  • £34.37
  • NIL
  • Worldwide excluding North America & Caribbean
  • Bronze
  • Any gadget cover up to £1,500
  • £26.33
  • £100.00
  • Silver
  • Any gadget cover up to £1,500
  • £37.36
  • £60.00
  • Gold
  • Any gadget cover up to £2,000
  • £48.90
  • £50.00
  • Platinum
  • Any gadget cover up to £2,500
  • £70.75
  • NIL
  • Worldwide including North America & Caribbean
  • Bronze
  • Any gadget cover up to £1,500
  • £29.56
  • £100.00
  • Silver
  • Any gadget cover up to £1,500
  • £41.91
  • £60.00
  • Gold
  • Any gadget cover up to £2,000
  • £54.28
  • £50.00
  • Platinum
  • Any gadget cover up to £2,500
  • £79.29
  • NIL
  • Australia and New Zealand
  • Bronze
  • Any gadget cover up to £1,500
  • £21.93
  • £100.00
  • Silver
  • Any gadget cover up to £1,500
  • £31.39
  • £60.00
  • Gold
  • Any gadget cover up to £2,000
  • £41.12
  • £50.00
  • Platinum
  • Any gadget cover up to £2,500
  • £59.44
  • NIL
Explorer*
  • Europe 1
  • Gold
  • Any gadget cover up to £1,000
  • £8.04
  • £75.00
  • Gold Plus
  • Any gadget cover up to £1,500
  • £9.28
  • £75.00
  • Europe 2
  • Gold
  • Any gadget cover up to £1,000
  • £8.94
  • £75.00
  • Gold Plus
  • Any gadget cover up to £1,500
  • £10.32
  • £75.00
  • WW1
  • Gold
  • Any gadget cover up to £1,000
  • £16.98
  • £75.00
  • Gold Plus
  • Any gadget cover up to £1,500
  • £19.60
  • £75.00
  • WW2
  • Gold
  • Any gadget cover up to £1,000
  • £18.32
  • £75.00
  • Gold Plus
  • Up to £1,500 covered
  • £21.16
  • £75.00
  • Australia and New Zealand
  • Gold
  • Any gadget cover up to £1,000
  • £14.30
  • £75.00
  • Gold Plus
  • Any gadget cover up to £1,500
  • £16.52
  • £75.00
Flexicover
  • Europe including Egypt, Morocco and Tunisia
  • Bronze
  • No Cover
  • £11.50
  • N/A
  • Admin fee of £1.80 to be added per passenger (exc. infants)
  • All cover applies per person per trip, except for personal liability, which is per policy
  • Single gadget policy must not exceed £100 for Silver, £300 for Gold and £500 for Platinum
  • Silver
  • Any gadget cover up to £750
  • £13.68
  • £95.00
  • Gold
  • Any gadget cover up to £2,000
  • £16.28
  • £65.00
  • Platinum
  • Any gadget cover up to £3,000
  • £20.39
  • NIL
  • Worldwide exc. USA, Canada & the Caribbean
  • Bronze
  • No Cover
  • £26.70
  • N/A
  • Silver
  • Any gadget cover up to £750
  • £31.06
  • £95.00
  • Gold
  • Any gadget cover up to £2,000
  • £36.98
  • £65.00
  • Platinum
  • Any gadget cover up to £3,000
  • £41.48
  • NIL
  • Worldwide including USA, Canada & the Caribbean
  • Bronze
  • No Cover
  • £ 30.24
  • N/A
  • Silver
  • Any gadget cover up to £750
  • £ 32.89
  • £95.00
  • Gold
  • Any gadget cover up to £2,000
  • £ 39.14
  • £65.00
  • Platinum
  • Any gadget cover up to £3,000
  • £ 44.03
  • NIL
Gadget Buddy
  • Worldwide
  • Camera
  • Any gadget cover up to £1,500
  • £8.49 Monthly premium
  • £101.88 Yearly premium
  • Excess varies according to claim
  • A maximum of five gadgets per policy
  • Customers can upgrade policy to include worldwide cover
  • Gadgets bought through online auctions are not eligible for insurance and neither are second-hand bought gadgets
  • Covers:
  • Accidental Damage
  • Theft
  • Mechanical Breakdown
  • Loss
  • This insurance does not cover accidental loss
  • Smartphone
  • Any gadget cover up to £1,000
  • £5.99 Monthly Premium
  • £71.88 Yearly Premium
  • Excess varies according to claim
  • Tablet
  • Any gadget cover up to £750
  • £5.49 Monthly Premium
  • £65.88 Yearly Premium
  • Excess varies according to claim
  • Laptop
  • Any gadget cover up to £2,000
  • £16.49 Monthly premium
  • £197.88 Yearly premium
  • Excess varies according to claim
Goodtogoinsurance.com
  • Europe excluding Spain, The Canaries, Turkey, Cyprus, Malta, Egypt, Israel, Libya, Algeria, Jordan, Syria and Switzerland
  • Silver
  • N/A
  • £20.72
  • £100.00
  • Gadget cover is not available with any silver policy
  • Gold
  • Any gadget cover up to £1,000
  • £34.05
  • £50.00
  • Platinum
  • Any gadget cover up to £1,000
  • £38.58
  • £50.00
  • Europe including Spain, The Canaries, Turkey, Cyprus, Malta and Switzerland
  • Silver
  • N/A
  • £22.90
  • £100.00
  • Gold
  • Any gadget cover up to £1,000
  • £35.02
  • £50.00
  • Platinum
  • Any gadget cover up to £1,000
  • £43.92
  • £50.00
  • Worldwide excluding North America, Canada & Caribbean
  • Silver
  • N/A
  • £32.16
  • £100.00
  • Gold
  • Any gadget cover up to £1,000
  • £47.33
  • £50.00
  • Platinum
  • Any gadget cover up to £1,000
  • £59.05
  • £50.00
  • Worldwide, anywhere

 

 

  • Silver
  • N/A
  • £39.16
  • £100.00
  • Gold
  • Any gadget cover up to £1,000
  • £65.46
  • £50.00
  • Platinum
  • Any gadget cover up to £1,000
  • £78.17
  • £50.00
Insurance2go.co.uk
  • Overseas
iPhone:

  • Basic cover
  • Accidental damage
  • Liquid damage
  • Mechanical breakdown
  • Phone insured covered for use by customer and their immediate family
  • Accessory cover (up to £50)
  • Overseas cover (30 days a year)
  • Immediate cover
  • £3.99 per month
  • £50.00
  • Basic and Lite cover do not offer any insurance for loss of gadget
  • Prices shown are based on a monthly basis contract

 

 

  • Lite cover
  • Accidental damage
  • Liquid damage
  • Mechanical breakdown
  • Phone insured covered for use by customer and their immediate family
  • Accessory cover (up to £100)
  • Overseas cover (60 days a year)
  • Immediate cover
  • No contract
  • Mobile wallet protection
  • Up to £1000 of unauthorised calls, messages and downloads
  • Theft
  • £5.99 per month
  • £50.00
  • Full Cover
  • Accidental damage
  • Liquid damage
  • Mechanical breakdown
  • Phone insured covered for use by customer and their immediate family
  • Accessory cover (up to £150)
  • Overseas cover (90 days a year)
  • Immediate cover
  • No contract
  • Mobile wallet protection
  • Up to £1000 of unauthorised calls, messages and downloads
  • Theft
  • Loss
  • £6.99 per month
  • Excess £50.00
  • £75.00 for loss
Mobile Phones:

  • Basic cover
  • Accidental damage
  • Liquid damage
  • Mechanical breakdown
  • Phone insured covered for use by customer and their immediate family
  • Accessory cover (up to £50)
  • Overseas cover (30 days a year)
  • Immediate cover
  • £3.99 per month
  • £25.00
  • Lite cover
  • Accidental damage
  • Liquid damage
  • Mechanical breakdown
  • Phone insured for use by customer and their immediate family
  • Accessory cover (up to £100)
  • Overseas cover (60 days a year)
  • Immediate cover
  • No contract
  • Mobile wallet protection
  • Up to £1000 of unauthorised calls, messages and downloads
  • Theft
  • £4.99 per month
  • £25.00
  • Table/IPad
  • Theft
  • Accidental Damage
  • Water Damage
  • Fire Damage
  • Overseas cover (30 days a year)
  • Accessory cover (£150 of accessories)
  • Equipment insured covered for use by customer and their immediate

family (over 18 years old)

  • Immediate cover (insurance starts on the day customer signs up)
  • £2.99 per month
  • £25.00 per claim as well as 15% value of gadget
  • Tablet/iPad price shown is calculated based on a gadget of the value of £400
  • Laptop price shown is calculated based on a gadget of the value of £1,500
  • Laptop
  • Theft
  • Accidental Damage
  • Water Damage
  • Fire Damage
  • Overseas cover (30 days a year)
  • Accessory cover (£150 of accessories)
  • Equipment insured for use by customer and their immediate

family (over 18 years old)

  • No contract (customer can cancel the policy at any time)
  • Immediate cover (insurance starts on the day customer signs up)
  • £8.85 per month
  • £25.00 per claim as well as 15% value of gadget
InsureFor***
  • Europe including Egypt and Turkey
  • Economy
  • Provides cover up to £3,000 (7 products covered)
  • Starting from £21.91
  • N/A
  • Policy includes:
  • Accidental damage
  • Theft
  • Malicious damage
  • Prices shown are with Level 1 protection only
  • Customers can choose what kind of level they would like to purchase for each policy:
  • Level One provides cover up to £1,000 (3 products covered)
  • Level Two provides cover up to £2,000 (5 products covered)
  • Level Three provides cover up to £3,000 (7 products covered
  • Price will increase according to level chosen
  • Standard
  • Provides cover up to £3,000 (7 products covered)
  • Starting from £24.04
  • N/A
  • Premier
  • Provides cover up to £3,000 (7 products covered)
  • Starting from £26.40
  • N/A
  • Worldwide including USA, Canada, Bermuda & Caribbean
  • Economy
  • Provides cover up to £3,000 (7 products covered)
  • Starting from £46.32
  • N/A
  • Standard
  • Provides cover up to £3,000 (7 products covered)
  • Starting from £54.54
  • N/A
  • Premier
  • Provides cover up to £3,000 (7 products covered)
  • Starting from £64.07
  • N/A
  • Worldwide excluding USA, Canada, Bermuda & Caribbean
  • Economy
  • Provides cover
  • Starting from £32.20
  • N/A
  • Standard
  • Provides cover up to £3,000 (7 products covered)
  • Starting from £36.89
  • N/A
  • Premier
  • Provides cover up to £3,000 (7 products covered)
  • Starting from £42.32
  • N/A
Jet2Insurance
  • Europe
  • Essential
  • Up to £3,000 (7 products covered)
  • Starting from £15.62
  • N/A
  • Prices shown are with Level 1 protection only
  • Customers can choose what kind of level they would like to purchase for each policy
  • All policies include:
  • Level One provides cover up to £1,000 (3 products covered)
  • Level Two provides cover up to £2,000 (5 products covered)
  • Level Three provides cover up to £3,000 (7 products covered)
  • Super
  • Up to £3,000 (7 products covered)
  • Starting from £18.62
  • N/A
  • Super Plus
  • Up to £3,000 (7 products covered)
  • Starting from £21.12
  • N/A
  • Worldwide excluding Afghanistan, Cuba, Liberia and Sudan
  • Essential
  • Up to £3,000 (7 products covered)
  • Starting from £27.12
  • N/A
  • Super
  • Up to £3,000 (7 products covered)
  • Starting From £31.12
  • N/A
  • Super Plus

 

  • Up to £3,000 (7 products covered)
  • Starting from £36.12
  • N/A
  • Worldwide excluding Afghanistan, Liberia, Sudan, USA, Canada, Bermuda and The Caribbean
  • Essential
  • Up to £3,000 (7 products covered)
  • Starting from £22.62
  • N/A
  • Super
  • Up to £3,000 (7 products covered)
  • Starting from

£26.12

  • N/A
  • Super Plus

 

  • Up to £3,000 (7 products covered)
  • Starting from £31.12
  • N/A
LV=
  • Europe including Turkey and Egypt
  • Essential
  • Up to £2,000
  • Total valuables limit £300
  • Single item limit £300
  • £19.99
  • £50.00
  • All electronic items and their accessories like laptops, phones, games consoles are covered under valuables
  • Premier
  • Up to £3,000
  • Total valuables limit £500
  • Single item limit £500
  • £25.86
  • £50.00
  • Worldwide excluding North and Central America, Caribbean and Bahamas
  • Essential
  • Up to £2,000
  • Total valuables limit £300
  • Single item limit £300
  • £32.81
  • £50.00
  • Premier
  • Up to £3,000
  • Total valuables limit £500
  • Single item limit £500
  • £41.82
  • £50.00
  • Worldwide
  • Essential
  • Up to £2,000
  • Total valuables limit £300
  • Single item limit £300
  • £40.84
  • £50.00
  • Premier
  • Up to £3,000
  • Total valuables limit £500
  • Single item limit £500
  • £52.24
  • £50.00
Sainsbury’s Bank
  • Europe excluding Spain (Balearic & Canary Islands), Cyprus, Turkey and Malta
  • Sainsbury’s Travel Insurance
  • Single article limit £300
  • Total valuable £500
  • £19.19
  • £50.00

 

  • Excess varies according to amount each customer wants to pay; the more excess the customer pays the cheaper the quote. Prices are based on a £50.00 excess with Sainsbury’s travel cover and £100.00 excess with Sainsbury’s Basics travel cover
  • Sainsbury’s Basics Travel
  • Single article limit £250
  • Total valuable £250
  • £13.99
  • £100.00

 

 

  • Europe including Spain, Balearic & Canary Islands), Cyprus, Turkey and Malta
  • Sainsbury’s Travel Insurance
  • Single article limit £300
  • Total valuable £500
  • £19.19
  • £50.00
  • Sainsbury’s Basics Travel
  • Single article limit £250
  • Total valuable £250
  • £13.99
  • £100.00
  • Worldwide excluding USA, Canada, Mexico, Caribbean, China, Hong Kong and Singapore
  • Sainsbury’s Travel Insurance
  • Single article limit £300
  • Total valuable £500
  • £24.02
  • £50.00
  • Sainsbury’s Basics Travel
  • Single article limit £250
  • Total valuable £250
  • £17.81
  • £100.00
  • Worldwide including USA, Canada, Mexico, Caribbean, China, Hong Kong and Singapore
  • Sainsbury’s Travel Insurance
  • Single article limit £300
  • Total valuable £500
  • £29.89
  • £50.00
  • Sainsbury’s Basics Travel
  • Single article limit £250
  • Total valuable £250
  • £24.44
  • £100.00
Virgin Money
  • Europe, including countries bordering the Mediterranean Sea (except Algeria, Israel, Jordan, Lebanon and Libya)
  • Silver
  • Any gadget up to £1,500
  • £16.37
  • £60.00
  • Maximum of £1,000 per item, with the total payment of £2,000 of all items
  • Customers are responsible for 10% of value of total claim as well as the excess charge
  • Customers must have original receipts; wear and tear will be included to the final entitlement of each value
  • Gold
  • Any gadget up to £2,000
  • £20.84
  • £50.00
  • Black
  • Any gadget up to £2,500
  • £31.68
  • NIL
  • Worldwide, not including USA, the Caribbean (see countries list below) and Canada
  • Silver
  • Any gadget up to £1,500
  • £33.22
  • £60.00
  • Gold
  • Any gadget up to £2,000
  • £42.52
  • £50.00
  • Black
  • Any gadget up to £2,500
  • £64.97
  • NIL
  • Worldwide, including USA, the Caribbean (see countries list below) and Canada
  • Silver
  • Any gadget up to £1,500
  • £36.50
  • £60.00
  • Gold
  • Any gadget up to £2,000
  • £46.75
  • £50.00
  • Black
  • Any gadget up to £2,500
  • £71.44
  • NIL
  • Australia and New Zealand

 

  • Silver
  • Any gadget up to £1,500
  • £28.54
  • £60.00
  • Gold
  • Any gadget up to £2,000
  • £36.53
  • £50.00
  • Black
  • Any gadget up to £2,500
  • £55.73
  • NIL

Notes:

Data gathered was based on a single person aged 30 years old, travelling the 27th October – 2nd November 2014



EU1: All European countries excluding: Andorra, Cyprus, Greece, Spain and Turkey

EU2: All European countries including: Andorra, Cyprus, Greece, Spain and Turkey

WW1: Worldwide excluding Canada, the Caribbean and the USA

WW2: Worldwide including Canada, the Caribbean and the USA


What are the excesses?

Item Accidental
Damage
Theft Mechanical
Breakdown
Loss
Camera £25 £25 £25 £50
Gadget £25 £25 £25 £50
Smart Phone £50 £50 £50 £75
Tablet £75 £75 £75 £100
Laptop £75 £75 £75 £100

Excess table please click here



Gadget travel insurance cover the below:

Accidental Damage
Theft
Malicious Damage

Insurefor.com does not cover:

Loss of any kind
Reconnection costs or subscription fees
The cost of replacing any software or downloads
Any expenses incurred as a result of not being able to use the device for the period covered



Area 2: Europe, including countries bordering the Mediterranean Sea (except Algeria, Israel, Jordan, Lebanon and Libya)
Area 3: Worldwide, not including USA, the Caribbean and Canada
Area 4: Australia and New Zealand
Area 5: Worldwide, including USA, the Caribbean and Canada


FacebookTwitterGoogle+PinterestTumblrLinkedInMySpaceEmail

Leave a Reply

Your email address will not be published. Required fields are marked *