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Insure your tech against loss, theft and damage while on holiday from just *

Travel Insurance with Gadget cover? We can help.

Losing a smartphone or tablet in today's digital age can seriously cripple holiday, business and leisure plans. Getting travel insurance with gadget cover that's useful and dependable should be a priority. Here's how to get the most out of your gadget cover, should you lose your trusty tech while away...

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:

Level 1
Level 2
Level 3
Accidental/malicious damage, theft, loss
Unauthorised usage
Single item, pair and set cover

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.

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. With Holiday Extras, our Platinum level policy comes with a measure of gadget cover already included. 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.

Why choose Holiday Extras' Gadget Travel Insurance?

  • - Voted best insurance provider 12 years running.
  • - Policies with no excess available.
  • - UK based contact centre and 24/7 helpline.
  • - No maximum age on single trip policies**.
  • - Over 25 years experience selling Travel Insurance.

Travel insurance including gadget cover

Our Platinum level policies come with free gadget cover built into the policy, so you don't need to worry about purchasing gadget cover as an added extra. The Platinum level policy is perfect for travellers looking for top of the range cover levels for themselves and their tech.

Annual travel insurance including gadget cover

If you're likely to go on more than two trips during the year, it's worth considering an annual multi-trip policy. With all our annual policies, there is the option to add gadget cover by choosing from one of the three levels of cover. When you choose the platinum level annual policy, you'll receive complimentary cover for your devices, just like on a single trip platinum level policy.

Backpacker travel insurance with gadget cover

Most backpackers will agree that keeping tech safe and insured is extremely important. Whether you're a GoPro enthusiast, or a digital nomad reliant on a laptop for work, getting appropriate gadgt cover to insure these devices should be a priority. Holiday Extras travel insurance policies are well-suited for most kinds of backpacking adventures, and with all of our policies it's easy to add gadget cover to protect your tech.

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.

If you are unable to provide a police report or proof of ownership, don't lose heart - some insurers may still offer a certain amount of compensation on lost devices.

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

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 will be eligible for a claim. All you need to do, is notify the airline as soon as possible and obtain a property irregularity report.

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 handy, such as a receipt detailing your purchase. Don't worry if you can't find any suitable evidence of ownership, as in this case, we may still be able to cover you, up to £200.

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Keeping your gadgets safe

Remembering these basic precautions can go a long way in ensuring your expensive gadgets and tech remain where you want them to be - in your possession!

  • Don't leave devices unattended - Try to avoid leaving your expensive devices unattended in public places. If you leave a device in a vehicle, make sure it is securely locked in the boot, out of sight.
  • Back-up important files - To avoid the upset of losing treasured photos and important documents, be sure to back-up all files before and during your trip. Not all countries have consistent, reliable internet coverage. In this case, there's nothing wrong with going 'back to basics', bringing along a portable hard-drive or empty CDs to burn files onto.
  • Get a laptop bag - Investing in a good quality, purpose-made carrying case will greatly reduce the likelihood of you breaking or misplacing your device. If you'll be doing a lot of roaming during your holiday, then it's a good idea to get a bag with arm straps and a breathable mesh backing to keep your back cool and your hands free.
  • Get an iPad case - Every year, airlines report hundreds of unclaimed iPads. Since it's difficult to distinguish between iPads - given their uniform appearance - purchasing a distinctive case can help when it comes to identifying your device.
  • Find my iPhone, iPad and Mac - For those of you with Apple products, this handy service allows you to track and lock down your device from anywhere in the world using iCloud.

Looking to insure a specific device?

Find out more about how best to insure your devices.


Holiday Extras Cover Ltd is authorised and regulated by the Financial Conduct Authority. Holiday Extras Cover Ltd 05058680 is registered in England and Wales. Registered address: Ashford Road, Newingreen, Kent CT21 4JF.

Holiday Extras Cover Ltd is underwritten by Travel Insurance Facilities plc which is authorised and regulated by the Financial Conduct Authority. Registered address: 2nd Floor, 1 Tower View, Kings Hill, West Malling, Kent, ME19 4UY. Company number 03220410.