Gadget Travel Insurance
Direct Travel are pleased to offer optional gadget insurance to cover your gadgets while on holiday. We offer three levels of Gadget cover to help protect eligible devices against unexpected damage, loss or theft during your insured trip.
Why get gadget insurance?
Replacing or repairing a gadget while you are away can be expensive. Gadget cover provides additional protection for the devices you take on your trip, subject to the cover level, excess and policy terms.
If an insured gadget is damaged, the insurer will usually try to repair it. If it cannot be economically repaired, you may receive a replacement of a comparable age, condition and specification. Please note that this is not new-for-old cover.
What does gadget insurance cover?
Depending on the circumstances, cover can include:
- Accidental or malicious damage
- Theft
- Accidental loss
- Liquid damage
- Electrical breakdown outside the manufacturer’s guarantee
- Unauthorised calls, messages, downloads, or data following the loss or theft of a mobile phone
- Eligible accessories damaged, lost, or stolen at the same time as the insured gadget
Electrical breakdown cover does not apply to laptops. Liquid damage is not covered when it happens on a boat or other water vessel, or while taking part in a water activity. Cover does not extend to include items placed in the hold of an aircraft.
Which gadgets can be insured?
Cover is available for a range of portable electronic devices, including:
- Mobile phones and smartphones
- Laptops and tablets
- E-readers
- Cameras, lenses, video cameras, and GoPros
- Headphones, earbuds, and Bluetooth headsets
- Handheld games and games consoles
- Satnavs
- Smart watches and fitness trackers
Drones are not covered.
Compare Gadget Cover*
| Bronze | Silver | Gold | |
| Excess | £75 | £75 | £75 |
| Maximum Cover Limit Includes: - Accidental Damage - Accidental Loss - Theft - Liquid Damage |
£1,000 | £2,000 | £3,000 |
| Single Gadget Limit | £1,000 | £1,500 | £1,500 |
| Unauthorised Use Limit | £1,000 | £2,000 | £2,000 |
| Accessories Limit | £150 | £150 | £150 |
Important information:
Your gadget must meet the following criteria for cover to apply.
Belong to the person named on the policy
Have been bought or leased as new in the UK (or bought refurbished in the UK with a documented warranty of at least 12 months)
Be in good condition and working properly when cover begins
Be no more than six years old
Be no more than 18 months old if it is a laptop
Have suitable proof of ownership
An eligible gadget received as a gift can be covered if you have a UK gift receipt. Ordinary second-hand gadgets are not covered.
You must take reasonable care of your gadgets while travelling. Cover will not normally apply if a device is left unattended in public, placed inside luggage while travelling, or carried in an aircraft hold. Security requirements also apply when gadgets are left in accommodation or an unattended vehicle.
Loss or theft must be reported promptly. You may need to contact your mobile network, report the incident to the police or a lost-property service, and obtain the appropriate reference number.
Gadget insurance is arranged and administered by Bastion Insurance Services Ltd on behalf of Brokersure Ltd, and is underwritten by Collinson Insurance.
