Gadget Insurance – CoverCloud Insurance


Insure your smartphone, iPhone and gadgets today!

We now live in a connected world where practically all of us own a smartphone or laptop that not only allows us to communicate with our friends and family and browse the internet but manage an ever increasing part of our lives. However, these gadgets do not come cheap, with smartphones costing over £1,000 and laptops costing in excess of £2,500. This means we all need a way of protecting our investment so that if we do lose or damage our gadgets we can replace them quickly. CoverCloud can cover your iPhone or Smartphone to try and give you peace of mind whether home or overseas.

Multi-Gadget insurance – protect multiple gadgets for less!

Get multiple gadgets covered – including your phones, laptops and tablets – for less with our multi-gadget insurance discount! Find out more about Multi-Gadget Insurance.

Why use CoverCloud to insure your gadgets?

Safe and Secure

All personal and payment information you send to us is securely encrypted using SSL with 128bit encryption. Our payment provider uses the very latest technology to ensure your personal details are kept safe.

Simple and Easy

With CoverCloud you don’t have loads of forms to fill in to get your cover. Just choose the cover level to suit your requirements.

All the gadget cover you need:

Why insure with CoverCloud:

  • Instant Cover if your gadget is less than 60 days old
  • 12-month warranty on all replacements
  • Backed by AXA – No 1 global insurance brand
  • No Limit on Claims while you’re insured with us
  • Worldwide Cover included
In partnership with Axa - No 1 global insurance brand

Important Information:

Accidental Damage / Malicious Damage[return to top]

We will pay the cost of repairs if your gadget is damaged as the result of an accident or malicious damage. If your gadget is not repairable then we will provide you with a replacement gadget.

Liquid Damage[return to top]

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.

Breakdown[return to top]

We will pay repair costs if your gadget suffers an electrical breakdown occurring outside of the manufacturers guarantee period. If your gadget is not repairable then we will provide you with a replacement gadget.

Theft[return to top]

If you have chosen the Premier or Elite cover level 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[return to top]

If you have chosen the Elite cover level and you accidentally lose your gadget we will replace it. Loss cover is only available for mobile phones, iPads, tablets and smartwatches

Unauthorised Calls[return to top]

If your gadget is lost or stolen, we will refund the cost of unauthorised calls made from it after the time it was lost or stolen up to a maximum of £10,000.

Cracked Screens[return to top]

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.

Worldwide Cover[return to top]

Our gadget insurance policy includes year-round worldwide cover.

Significant Exclusions or Limitations

As with all policies of this type there are certain limitations and certain things that are not covered. The most significant exclusions of this policy are set out below. There may be other exclusions that are significant to you, so you need to check the policy document for full details.


  • Gadgets must be less than 1 year old at the start date of the insurance when purchasing a new policy. There is no age limit when renewing your policy.

  • Gadgets must be have been purchased in the UK, Republic of Ireland or USA

  • You will not be able to make a claim within the first 14 days of the start date of the policy if your gadget is over 60 days old.

  • Proof of usage (evidence from your network provider showing your phone has been in use since the policy was purchased and up to the event giving rise to the claim) may be requested if you make a claim.

  • An excess applies to each and every claim.

  • ** Theft Cover only applies if you select the Premier or Elite Cover option.

  • *** Loss Cover only applies if you select the Elite Cover option.


Cover is subject to the terms and conditions of the policy.

All premiums are inclusive of Insurance Premium Tax (IPT) which is 12%.

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