Gadget Insurance FAQs

Please click on a question to see the answer. If you still need help please contact us.

IMPORTANT: These FAQs apply to our latest gadget insurance policy and were updated on the 5th February 2022. If you bought your policy before this date please refer to your applicable policy wording.

Arranging Cover

What is Gadget Insurance?

Gadget Insurance from CoverCloud is a cost-effective way of protecting the electronic and communication devices that are part of our day-to-day lives.

What Gadgets do CoverCloud cover?

Gadgets include: Mobile Phones, Smartphones, iPhones, iPads, Tablets, Cameras, Go Pros, Smartwatches and Laptops.

How can I get a quote?

The quickest and easiest place to get a quote is to go to our online quote page. Simply select your device using the drop-down menu, then choose an excess and a level of cover that suits you.

What is covered by a CoverCloud gadget insurance policy?
  •  Accidental Damage - We will pay the cost of repairs if your gadget is damaged as the result of an accident. If your gadget is not repairable then we will provide you with a replacement gadget.
  •  Breakdown - We will pay repair costs if your gadget suffers an electrical or mechanical breakdown occurring outside of the manufacturers guarantee period. If your gadget is not repairable then we will provide you with a replacement gadget.
  •  Broken Screen - We will pay the cost of repairs if the screen of your smartphone is damaged as the result of an accident. If your gadget is not repairable then we will provide you with a replacement gadget.
  •  Liquid Damage - We will pay the cost of repairs if your gadget is damaged by liquid as the result of an accident. If your gadget is not repairable then we will provide you with a replacement gadget.
  •  Theft - If you have chosen the Premier or Elite level of cover and your gadget is stolen we will provide you with a replacement gadget. Where only part or parts of your gadget have been stolen, we will only replace that part or parts.
  •  Loss - If you have chosen the Elite level of cover, we will provide you with a replacement gadget. Accidental loss cover only applies if you select the Elite cover option, and is only available for mobile phones, tablets and smartwatches.
  •  Unauthorised Calls - If your mobile phone or smart phone is lost or stolen, we will refund the cost of unauthorised calls and data made from it after the time it was lost or stolen up to a maximum of £10,000.
  •  Overseas Cover - Our gadget insurance policy provides year-round overseas cover unlike many other gadget insurance companies.
  •  Accessories - If your claim for your gadget is approved, we will replace any accessories that were accidentally lost, stolen or accidentally damaged at the same time as your gadget up to a maximum value of £150.
Is there an excess to pay?

Yes, an excess is your contribution in the event of a successful claim. The excess amount you selected is shown in your Schedule of Insurance.  Please note that there is an additional excess fee of £50 for any claim made within 30 days of policy commencement.

What is Multi-Gadget Insurance?

Multi-Gadget Insurance is a great way to insure all your gadgets on a single policy. By adding multiple devices onto the same policy when initially arranging cover, we will automatically apply a multi-gadget discount to your premium.

When does cover begin?

Your cover begins on the date you choose as start date of the policy.

Can I insure a phone for other family members?

Yes, cover is available for your mother, father, son, daughter, spouse or domestic partner who resides with you at your Home. Policies can only be issued to persons over 18 years of age.

My gadget was a gift, can I insure it?

If your gadget was gifted by an immediate family member who lives permanently with you, the standard till receipt or proof of purchase will suffice. If your gadget was gifted to you by a someone who does not live with you, such as a grandparent, we would need an original gift receipt.

Are my gadgets covered overseas?

Year-round overseas cover is provided as standard with CoverCloud.

I purchased my device some time ago, can I insure it?

Your gadget must have been purchased by you within the last twelve months and been sold to you as brand new or refurbished with a minimum 12-month warranty. If you are renewing cover for an existing gadget, the age limit does not apply.

Are my accessories covered?

Cover for accessories is provided up to the value of £150 in total. If your accessory cost £150 or more and you wish it to be covered by your policy then suitable insurance must be purchased for it. You will receive a discount if you purchase insurance for multiple gadgets on the same policy.

How will I receive my policy documents after purchasing a policy?

Your policy documents will be emailed to you immediately after you've completed your purchase. The documents are in PDF format and can be opened with the Acrobat Reader which can be downloaded here.

How do I pay for a CoverCloud policy?

This is an annual policy that can be paid monthly or annually. If you pay by lump sum annually then you will have paid for the full annual premium at point of sale. If you pay monthly, your debit or credit card will be automatically debited on a monthly basis.

The security of your payment information is very important to us. Your credit or debit card information is collected on a secure HTTPS web page using SSL. We choose credit card processing partners that are fully PCI-DSS compliant, which means they meet all industry standards for cardholder security. We never store your credit card number or your security code (CVV code). We only store a payment "token" (an order number generated by the card processing partner), which allows us to charge your card automatically or to look up your payment transaction without having your card details.

Can I renew my policy?

Yes, we will contact you at least 14 days before the annual renewal date of your policy and we will tell you of any changes to your premium.

Amending Cover

What happens if I change my insured gadgets or home address?

You can notify us of any changes via the website contact form, via your online account or by email to

How can I change my payment details?

If you would like to change your payment method or other details please contact us via the website contact form, via your online account or by email to

How can I cancel my insurance?

You may cancel your insurance policy within 14 days of purchase without penalty and we will provide a full refund provided you have not made a claim. After 14 days, you may cancel the policy at any time and receive a pro rata refund less an administration fee of £15 provided you have not made a claim. If you pay monthly and have claimed, you can cancel your policy once the full annual premium has been paid. You can cancel your insurance, by giving notice of cancellation by email, website contact form quoting your surname, post code and policy number.

Making a Claim

How do I make a claim?

Claims are made online through your online account. Please go to the Claims page for full details on how to make a claim.

Do I need to supply a receipt if I make a claim?

Yes, in the event of a claim you will need to provide the original receipt/delivery note for the purchase of the gadgets and accessories for which you are claiming. We recommend that you upload these documents to your secure online file as soon as possible to speed up any future claims process

How many claims can I make in a year?

There is no limit to the number of claims you can make.

Is my repaired or replaced gadget protected by a warranty?

Yes, all repairs and replacements come with a warranty of between 3 and 12 months.

Does my home insurance policy cover my gadgets?

Items under 'Personal Belongings' or 'All Risks Cover' may only be covered for theft or accidental damage but not for loss or breakdown. Claiming on your home insurance is likely to result in your premiums increasing in future years and the excess on a home insurance policy can be higher than the excess on CoverCloud gadget insurance.


How can I make a complaint?

If you wish to lodge a complaint against any aspect of our service in respect of the sale of your policy please contact us via the website contact form or by email to

For complaints regarding claims, please refer to your policy wording

Who is my insurance with?

This insurance is arranged and administered by Acumen Insurance Services Ltd with Bastion Insurance Services Ltd, and underwritten by Inter Partner Assistance S.A. UK Branch, with a registered office at 106-118 Station 
Road, Redhill, RH1 1PR. Inter Partner Assistance S.A. UK Branch is a Branch of Inter Partner Assistance S.A. (Financial Conduct Authority registration number  202664), which is a Belgian firm authorised by the National Bank of Belgium under number 0487. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.