Travel Insurance with gadget cover? We've got you covered.

Losing a smartphone, tablet or camera in today's digital age can seriously put the stoppers on holiday, business and leisure plans. Getting travel insurance with gadget cover that both reliable and dependable should be a priority. Here's how to get the most out of your gadget cover, should something happen to your trusty tech while away.

Do I you need gadget cover on travel insurance?

In the digital age, travellers are becoming increasingly reliant on their tech for things like storing tickets, reservation numbers and staying connected. Often, tech items can be quite expensive, and so it goes without saying that appropriate gadget cover could potentially save you alot of money should your devices get damaged or go missing. With most travel insurance policies, unless gadget cover is explicitly stated as being already included, it is necessary to purchase gadget cover as a policy extra. If you have purchased a different level of policy with us, or would like to have higher cover levels for your gadgets, then you'll need to select the appropriate gadget cover add-on with your travel insurance policy.

Gadget cover comparison

At Holiday Extras, there are three levels of gadget cover to choose from, so you can decide for yourself just how much cover you need for your gadgets. Take a look at the different cover levels listed below:

What am I covered for?

Loss, Theft, Damage and Delay cover

Accidental damage - If you accidentally damage any of your devices while on holiday, then we can pay towards the cost of repairs or a replacement, up to the value stated in your policy.

Malicious damage - this part of your policy comes into play if your device is damaged by the deliberate or intentional actions of someone else. In this instance, we can pay towards repairs to the device.

Loss - should you lose any of your devices during your trip, this part of your policy insures that you won't have to pay for a replacement. Please note that we can't cover for the loss of devices as a result of confiscation or detention at customs.

Unauthorised usage - If your gadget is lost or stolen, we'll cover the cost of any unauthorised calls, messages and downloads made from it after the theft.

What do I need to make a claim?

Before making a claim, be sure to provide a police report obtained within 24 hours of the incident, as well as some suitable proof of ownership. This way, you can get the full benefits of your gadget cover.

When making a claim, remember that the amount you can receive in compensation may be scaled to the real-time value of your item before the incident - taking into account any previous wear and tear.

Making a claim: Things to Remember

Police report - If your devices are stolen, then you will need to obtain a police report within 24 hours of the incident, detailing the circumstances of the theft, with an appropriate crime reference number.

Property Irregularity Report - If your device is lost while in the custody of an airline or handling agency, make sure you obtain an official property irregularity report within 24 hours of the incident.

Proof of ownership - It's important to have proof of ownership to hand, such as a receipt detailing your purchase.

Gadgets lost by the airline

It can be particularly frustrating when your possessions are lost in airline baggage handling malfunctions. This is were many travellers come unstuck, as some insurers regard losses in this context as outside of their responsibility, with-holding cover. Before you take out any gadget cover, or travel insurance with gadget cover added, it's important to make sure that your insurer will cover you in instances where the airline loses your possessions.

Should your gadgets become lost in transit, you may be eligible for a claim. All you need to do, is notify the airline as soon as possible and obtain a property irregularity report.