APH compares travel insurance cover for gadgets

Check before you check-in: APH launches guide to gadget travel insurance policies

Will my travel insurance cover gadgets and electronic devices in luggage stored in the hold in light of the flight laptop ban?

Despite nearly one in four people having suffered a smashed mobile phone in the past two years*, many electronic device users apparently still don’t feel the need to protect their gadgets when travelling abroad**. So, to help savvy travellers prepare for the worst, APH has put together a handy guide comparing the insurance policies available with UK providers for taking gadgets on holiday.

The guide compares the cover provided for lost, stolen or damaged devices by 13 providers such as Admiral, AVIVA and LV. The guide also compares options for gadget cover add-ons, stipulations for claims and a useful list of the various items covered by each policy.

The cover offered for damaged, lost or stolen valuables as standard ranges from £100 with a £100 excess as part of Insure and Go’s Budget Policy, to £500 with no excess with Flexicover’s Platinum Policy. However, travellers should note that five of the premiums, including Admiral’s and Columbus Direct’s standard travel insurance policies, do not include cover for gadgets and therefore holidaymakers are required to purchase an add-on to ensure their devices are covered while abroad.

Travel Insurance Cover For Gadgets


ADMIRAL

COVER FOR LOST, STOLEN OR DAMAGED GADGETS AS STANDARD

• Standard policy:

  • Up to £200
  • £100 excess

• Gold policy:

  • Up to £300
  • £75 excess

• Platinum policy:

  • Up to £400
  • £50 excess

OPTIONAL GADGET COVER ADD-ON AVAILABLE
• Gadget Cover:

  • Not available for Standard policy
  • Up to £1,000 for cover of three gadgets
  • Single item limit of £500
  • overs £250 of unauthorised calls / data downloads
  • Excess of £75 for Gold policy
  • Excess of £50 for Platinum policy

COVER FOR DAMAGE (INCLUDING LIQUID DAMAGE)

  • No cover for failure of computer hardware or software or other electrical equipment
  • No cover for cracked, scratched or broken glass (other than lenses in cameras, binoculars or telescopes)
  • No cover for damage caused by wear and tear, loss of value, moths, vermin or any cleaning, repairing or restoring process
  • Cover will not be provided if serial number has been tampered with

COVER FOR THEFT

  • Theft of valuables or gadgets must be reported to the police or transport operator within 24 hours of discovering it and a Property Irregularity Report or police report must be completed
  • Deductions for wear and tear may be applied if the gadget is more than a year old
  • No cover for personalised ring tones, graphics, downloaded material or software
  • Travellers must contact their network provider within 24 hours of discovering their mobile phone has been lost or stolen to bar further use
  • Gadgets covered by add-on must have been purchased as new by the policy holder, or in the case of refurbished items, directly from the manufacturer
  • No cover for valuables left in a motor vehicle, hotel courtesy store or storage room, checked-in luggage or tent
    • No cover for valuables not carried with a traveller or locked out of sight in personal accommodation
  • If a traveller’s accommodation has a safe or safety deposit box, valuables must be locked inside it

COVER FOR LOSS

  • Loss of valuables or gadgets must be reported to the police or transport operator within 24 hours of discovering it and a Property
  • Irregularity Report or police report must be completed
  • Deductions for wear and tear may be applied if the gadget is more than a year old
  • No cover for personalised ring tones, graphics, downloaded material or software
  • Travellers must contact their network provider within 24 hours of discovering their mobile phone has been lost or stolen to bar further use
  • Gadgets covered by add-on must have been purchased as new by the policy holder, or in the case of refurbished items, directly from the manufacturer

GADGETS COVERED

  • Audio, visual and television equipment
  • Binoculars, telescopes, and accessories
  • Cameras and camcorders
  • Computers, tablets and gaming consoles
  • Electronic book readers
  • Mobile phones and accessories
  • Satellite navigation equipment

SPECIFIC GADGETS NOT COVERED
• N/A


AVIVA

COVER FOR LOST, STOLEN OR DAMAGED GADGETS AS STANDARD
• STANDARD POLICY:
o Up to £400
o £50 excess

OPTIONAL GADGET COVER ADD-ON AVAILABLE
• N/A

COVER FOR DAMAGE (INCLUDING LIQUID DAMAGE)
• No cover for items stored in checked-in luggage

COVER FOR THEFT
• No cover for gadgets in checked-in luggage
• Must be reported within 24 hours to the police
• Proof of purchase of gadget must be provided

COVER FOR LOSS
• No cover for gadgets in checked-in luggage
• Must be reported within 24 hours to the police
• Proof of purchase of gadget must be provided

GADGETS COVERED

  • Audio, visual and photographic equipment
  • Binoculars
  • Computer and television equipment
  • Hand held games consoles and equipment
  • Mobile phones
  • Portable in-car and handheld satellite navigation devices

SPECIFIC GADGETS NOT COVERED
• N/A


AXA UK

COVER FOR LOST, STOLEN OR DAMAGED GADGETS AS STANDARD
• Bronze policy:

  • Up to £150
  • £150 excess

• Silver policy:

  • Up to £250
  • £100 excess

• Gold policy:

  • Up to £500
  • £50 excess

OPTIONAL GADGET COVER ADD-ON AVAILABLE
• N/A

COVER FOR DAMAGE (INCLUDING LIQUID DAMAGE)

  • No cover for mechanical or electrical breakdown
  • No cover for wear and tear


COVER FOR THEFT

• No cover for valuables left unattended at any time unless deposited in a safe, safety deposit box or left in locked accommodation

COVER FOR LOSS
• Yes

GADGETS COVERED

  • Cameras and camcorders
  • E-readers
  • Handheld games consoles
  • Headphones
  • Mobile phones
  • MP3 players
  • Satellite navigation systems
  • Tablets

SPECIFIC GADGETS NOT COVERED
• N/A


COLUMBUS DIRECT

COVER FOR LOST, STOLEN OR DAMAGED GADGETS AS STANDARD
• No cover as standard

OPTIONAL GADGET COVER ADD-ON AVAILABLE
• Gadget Cover:
o Up to £1,000
o Up to £150 excess

COVER FOR DAMAGE (INCLUDING LIQUID DAMAGE)
• No cover for damage caused by a leaking liquid carried within baggage
• No cover for damage caused by wear and tear, process of cleaning, denting, scratching, staining, moth or vermin

COVER FOR THEFT
• No cover for gadgets left unattended, unless located in locked in a safety deposit box if available
• No cover for gadgets left in an unattended vehicle (other than a motor home)
• No cover for gadgets within checked-in luggage or in luggage not immediately adjacent to travellers on public transport
• Theft must be reported to the police within 48 hours and a written report must be attained
• No cover for downloaded content or prepaid credit lost due to gadget theft
• Deductions for wear and tear may be applied

COVER FOR LOSS
• Loss must be reported to the police within 48 hours and a written report must be attained
• No cover for downloaded content or prepaid credit lost due to loss of gadget
• Deductions for wear and tear may be applied

GADGETS COVERED
• Mobile/smart phones,
• Tablet computer
• Laptops and computers
• Smart watches
• Satellite navigation systems (GPS)
• Personal Digital Assistants (PDAs)
• Games consoles (including handheld consoles)
• All accessories for these items

SPECIFIC GADGETS NOT COVERED
• N/A


COVER FOR YOU

COVER FOR LOST, STOLEN OR DAMAGED GADGETS AS STANDARD
• Silver policy:
o Up to £250
o £100 excess
• Gold policy:
o Up to £500
o £75 excess
• Platinum policy:
o Up to £500
o £50 excess

OPTIONAL GADGET COVER ADD-ON AVAILABLE
• Gadget Cover (levels of financial cover for lost, stolen or damaged gadgets):
o Up to £1,000 with £500 single item limit
o Up to £2,000 with £750 single item limit
o Up to £3,000 with £1,000 single item limit
o Excess varies

COVER FOR DAMAGE (INCLUDING LIQUID DAMAGE)
• No cover for gadgets stored in checked-in luggage

COVER FOR THEFT
• Gadget must have been stolen under force, threat, violence or by a pickpocketer
• No cover for gadgets stored in checked-in luggage
• Must be reported to local police within 24 hours of discovering incident
• No cover for gadgets stolen from unoccupied premises or vehicle

COVER FOR LOSS
• No cover for gadgets stored in checked-in luggage
• Must be reported to local police within 24 hours of discovering incident
• No cover for loss if the traveller is unable to confirm the time and place of the loss

GADGETS COVERED
• MP3 players and iPods
• DVD players
• iPads
• Games
• Consoles
• Digital cameras
• Video cameras
• Mobile phones
• Smart phones
• iPhones
• PDAs
• Laptops
• Tablets
• Bluetooth headsets
• Satellite Navigation Devices
• E-Readers
• Camera lenses
• In-car computers
• Head / ear phones
• Wearable technology

SPECIFIC GADGETS NOT COVERED
• N/A


DEBENHAMS

COVER FOR LOST, STOLEN OR DAMAGED GADGETS AS STANDARD
• Standard policy:
o Up to £200
o £175 excess
• Superior policy:
o Up to £300
o £50 excess
• Luxury policy:
o Up to £500
o No excess

OPTIONAL GADGET COVER ADD-ON AVAILABLE
• Gadget Cover Upgrade (levels of financial cover for lost, stolen or damaged gadgets):
o Up to £1,000 for cover of three gadgets. Up to £50 excess
o Up to £2,000 for cover of five gadgets in total, with single article limit of £1,000 and single article limit of £2,000 for laptops. Up to £50 excess
o Up to £3,000 for cover of 7 gadgets in total, with single article limit of £1,000 and single article limit of £2,000 for laptops. Up to £50 excess

COVER FOR DAMAGE (INCLUDING LIQUID DAMAGE)
• Covers a maximum of £100 for items damaged at the beach or by a pool-side
• No cover for gadgets stored in checked-in luggage
• No cover for electrical or mechanical breakdown
• No cover for wear and tear or damage caused by moth or vermin, denting or scratching, or any process of dyeing or cleaning

COVER FOR THEFT
• Covers a maximum of £100 for items stolen at the beach or by a pool-side
• No cover for unattended items stolen from public space
• A deduction for wear and tear will be made
• Proof of purchase for stolen items must be provided
• Must be reported to local police within 24 hours of discovering incident
• No cover for gadgets stolen from unoccupied premises or vehicle
• No cover for gadgets stored in checked-in luggage

COVER FOR LOSS
• Covers a maximum of £100 for items lost at the beach or by a pool-side
• A deduction for wear and tear will be made
• Proof of purchase for lost items must be provided
• Must be reported to local police within 24 hours of discovering incident
• No cover for loss of gadgets stored in checked-in luggage

GADGETS COVERED
• Cameras, photographic and video equipment, and associated equipment of any kind
• Computer hardware and software
• Games consoles
• Accessories and games
• Personal organisers
• Mobile telephones
• Smart phones
• Televisions
• Portable audio equipment and all associated discs and accessories
• Telescopes and binoculars

SPECIFIC GADGETS NOT COVERED
• N/A


DIRECT LINE

COVER FOR LOST, STOLEN OR DAMAGED GADGETS AS STANDARD
• Standard policy:
o Up to £300
o £75 excess for single trip policies and £50 for annual multi-trip

OPTIONAL GADGET COVER ADD-ON AVAILABLE
• N/A

COVER FOR DAMAGE (INCLUDING LIQUID DAMAGE)
• No cover for items left in a hotel courtesy store or storage room
• No cover for valuables in checked-in luggage

COVER FOR THEFT
• No cover for unattended items and valuables not locked in personal accommodation, a safety deposit box or locked safe, if this is available
• No cover for valuables left in a vehicle
• No cover for valuables left in a hotel courtesy store or storage room
• No cover for valuables left in a tent
• No cover for valuables in checked-in luggage

COVER FOR LOSS
• No cover for valuables in checked-in luggage

GADGETS COVERED
• Cameras and camcorders
• Binoculars and telescopes
• Computers, tablets and gaming consoles
• E-book readers
• Satnavs
• Mobile phones

SPECIFIC GADGETS NOT COVERED
• N/A


FLEXICOVER

COVER FOR LOST, STOLEN OR DAMAGED GADGETS AS STANDARD
• Bronze policy:
o No cover
• Silver policy:
o Up to £100
o £95 excess
• Gold policy:
o Up to £300
o £65 excess
• Platinum policy:
o Up to £500
o No excess

OPTIONAL GADGET COVER ADD-ON AVAILABLE
• Gadget Cover:
o Up to £2,000
o Covers up to five gadgets
o £125 excess for Bronze policy
o £95 excess for Silver policy
o £65 excess for Gold policy
o No excess for platinum policy

COVER FOR DAMAGE (INCLUDING LIQUID DAMAGE)
• No cover for gadgets stolen from an unattended vehicle unless the gadget was locked out of sight or proof of forcible and violent entry is provided
• No cover for items in checked-in luggage
• No cover for gadgets on loan to anyone else other than the traveller’s immediate family
• No cover for failure of electrical or computer equipment
• No cover for gadgets where the serial number has been tampered with
• No cover for gadgets damaged by leaking liquid or powder in baggage

COVER FOR THEFT
• A crime reference number must be provided to support claim of theft
• Theft must be reported to the police within 24 hours of discovery
• No cover unless force, pickpocket or threat of violence was used during theft
• No cover for items left unattended at any time unless in a hotel safe, safety deposit box or locked accommodation
• No cover for items left unattended in a public place
• Deduction for wear, tear and depreciation will be made

COVER FOR LOSS
• Loss must be reported to the police within 24 hours of discovery
• No cover for items left in checked-in luggage
• Deduction for wear, tear and depreciation will be made

GADGETS COVERED
• Gadgets covered as standard:
o Photographic and video equipment, and associated equipment of any kind
o Computer hardware and software
o Games consoles, accessories and games
o Personal organisers
o Televisions
o Portable video, audio and computer equipment (DVD, CD, mini-disc, MP3/4 players, iPods, iPads, computerised tablets, ebooks, Kindles etc.) and all associated discs and accessories
o Telescopes and binoculars

• Gadgets covered by Gadget Cover add-on:
o MP3 players and iPods
o iPads
o Smart watches
o Smart glasses
o Head mounted displays
o DVD players
o Games consoles
o Cameras including digital cameras, camera lenses, video cameras
o Mobile phones and smart phones
o PDA’s
o Laptops
o Bluetooth headsets
o Satnavs
o E-reader
o In-car computers
o Head/ear phones
o Tablets
o Wireless speakers

SPECIFIC GADGETS NOT COVERED
• Mobile phones (unless Gadget Cover is purchased)
• No cover for accessories other than SIM or PCIMA cards which were in the gadget at the time of the theft or damage


INSURE AND GO

COVER FOR LOST, STOLEN OR DAMAGED GADGETS AS STANDARD
• Budget policy:
o Up to £100
o £100 excess
• Silver policy:
o Up to £200
o £60 excess
• Gold policy:
o Up to £400
o £50 excess
• Black policy:
o Up to £600
o No excess

OPTIONAL GADGET COVER ADD-ON AVAILABLE
• Valuables Extension:
o Up to £2,000
o £1,000 single article limit
o Excess varies

COVER FOR DAMAGE (INCLUDING LIQUID DAMAGE)
• No cover for items not carried in hand luggage
• No cover for items damaged while in the control of an airline or carrier

COVER FOR THEFT
• No cover for gadgets stolen from an unattended vehicle or from checked-in luggage
• No cover for downloaded content or prepaid credit lost due to theft
• Theft must be reported to the police within 48 hours
• Deductions for wear and tear may apply

COVER FOR LOSS
• No cover for gadgets lost in checked-in luggage
• No cover for downloaded content or prepaid credit lost due to theft
• Gadget loss must be reported to the police within 48 hours
• Deductions for wear and tear may apply

GADGETS COVERED
• Photographic, audio, video and electrical equipment
• MP3 players
• Games consoles
• Personal organisers
• eReaders (including eBooks and Kindles)
• Computer equipment, laptops and tablet PCs (including iPads)
• Netbook computers
• Binoculars
• E-cigarettes and associated vapour liquids
• Hearing aids
• Mobile phones and mobile phone accessories

SPECIFIC GADGETS NOT COVERED
• N/A


JOHN LEWIS

COVER FOR LOST, STOLEN OR DAMAGED GADGETS AS STANDARD
• Essential policy:
o Up to £200
o £100 excess
• Plus policy:
o Up to £300
o £60 excess
o Up to £300 cover for mobile phones
• Premier policy:
o Up to £400
o £50 excess
o Up to £400 cover for mobile phones

OPTIONAL GADGET COVER ADD-ON AVAILABLE
• Technology Cover:
o Not available for Essential policy
o Up to £1,500
o £60 excess for Plus policy
o £50 excess for Premier policy

COVER FOR DAMAGE (INCLUDING LIQUID DAMAGE)
• No cover for fragile articles, audio, video of computer equipment, tablet devices, MP3 players and electronic games unless caused by a malicious or criminal act
• No cover for damage caused by delay, wear and tear, moths, vermin, weather and atmospheric conditions or mechanical failure

COVER FOR THEFT
• Theft must be reported to the police within 48 hours
• No cover for items which are not carried with a traveller, locked in a safe, safety deposit box or accommodation
• No cover for items left in a motor vehicle

COVER FOR LOSS
• Loss must be reported to the police within 48 hours
• No cover for items which are not carried with a traveller, locked in a safe, safety deposit box or accommodation
• No cover for items left in a motor vehicle

GADGETS COVERED
• Essential policy:
o Audio, visual and photographic, equipment
o Computers
o Sports equipment
o Tablet devices
o MP3 players
o Electronic games
o Watches
• Plus and Premier policy:
o Audio, visual and photographic, equipment
o Computers
o Sports equipment
o Tablet devices
o MP3 players
o Electronic games
o Watches
o Mobile phones

SPECIFIC GADGETS NOT COVERED
• Essential policy:
o Mobile phones
• Plus and Premier policy:
o N/A


LV

COVER FOR LOST, STOLEN OR DAMAGED GADGETS AS STANDARD
• Essential policy:
o Up to £300
o £75 excess
• Premier policy:
o Up to £500
o £50 excess

OPTIONAL GADGET COVER ADD-ON AVAILABLE
• N/A

COVER FOR DAMAGE (INCLUDING LIQUID DAMAGE)
• Proof of ownership and value for gadget must be provided

COVER FOR THEFT
• No cover for valuables which are not carried with a traveller, locked in a safe, safety deposit box or accommodation
• No cover for items left in a motor vehicle or tent
• No cover for items in suitcases unless case is with traveller at all times or traveller has evidence that airline required suitcase to be checked-in
• Proof of ownership and value for gadget must be provided

COVER FOR LOSS
• Proof of ownership and value for gadget must be provided

GADGETS COVERED
• Hearing aids
• Any electric, electrical or electronic items or equipment including their accessories
• Mobile phones
• Laptops
• Games consoles
• Portable audio equipment
• Portable visual equipment
• Memory sticks
• Chargers
• Dongles
• Any kind of photographic or recording equipment and their accessories
• Binoculars and telescopes

SPECIFIC GADGETS NOT COVERED
• N/A


POST OFFICE

COVER FOR LOST, STOLEN OR DAMAGED GADGETS AS STANDARD
• Super Economy policy:
o Up to £150
o Limited to £75 if traveller is under 18
o £150 excess
o Maximum of £100 of cover for mobile phones
• Economy policy:
o Up to £150
o Limited to £75 if traveller is under 18
o £125 excess
o Maximum of £100 of cover for mobile phones
• Standard policy:
o Up to £150
o Limited to £75 if traveller is under 18
o £100 excess
o Maximum of £100 of cover for mobile phones
• Premier policy:
o Up to £200
o Limited to £75 if traveller is under 18
o £50 excess
o Maximum of £100 of cover for mobile phones
• Premier Plus policy:
o Up to £300
o Limited to £75 if traveller is under 18
o No excess
o Maximum of £100 of cover for mobile phones

OPTIONAL GADGET COVER ADD-ON AVAILABLE
• N/A

COVER FOR DAMAGE (INCLUDING LIQUID DAMAGE)
• No cover for valuables in checked-in luggage

COVER FOR THEFT
• No cover for valuables left in an unattended vehicle

COVER FOR LOSS
• No cover for valuables in checked-in luggage

GADGETS COVERED
• Cameras and video equipment
• Notebooks
• eReaders
• Laptops
• Tablet PCs
• Games consoles
• Personal organisers
• Satnavs
• Mobile telephones
• Smartphones
• Portable audio equipment (DVD, CD, Mini-Disc, MP3 players, iPods, etc) and all associated discs and accessories
• Telescopes and binoculars

SPECIFIC GADGETS NOT COVERED
• N/A


TESCO BANK

COVER FOR LOST, STOLEN OR DAMAGED GADGETS AS STANDARD
• Everyday Value policy:
o No cover
• Standard policy:
o Up to £300
o £60 excess
• Finest policy
o Up to £500
o £45 excess

OPTIONAL GADGET COVER ADD-ON AVAILABLE
• Up to £200
• £75 excess
• Gadget cover add-on is only available for Everyday Value policy holders

COVER FOR DAMAGE (INCLUDING LIQUID DAMAGE)
• Traveller must share bill for cost of repairs
• No cover for fragile articles, audio, video or computer equipment unless the damage is caused by a malicious or criminal act
• No cover for damage caused by delay, wear and tear, moths, vermin, weather conditions or mechanical failure

COVER FOR THEFT
• Police report must be shared
• Valuables should be carried by a traveller at all time and stored in a locked safety deposit box or locked safe in locked accommodation

COVER FOR LOSS
• Police report must be shared
• For items lost in luggage, travellers must provide a Property Irregularity Report that states that the item is now considered permanently lost
• No cover for gadgets in checked-in baggage

GADGETS COVERED
• Audio, visual, video and photographic equipment
• Computer and portable navigation equipment
• Binoculars
• Tablet devices
• MP3 players
• Electronic games

SPECIFIC GADGETS NOT COVERED
• Mobile phones


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