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. We updated them on 01 December 2024. If you bought your policy before this date, please check your policy wording.

Arranging Cover

What is Gadget Insurance?

Gadget insurance is a cost-effective way of protecting the gadgets and electronic devices that form part of our everyday lives.

What Gadgets do CoverCloud cover?

Smartphones, mobile phones, Laptops (including custom built), Tablets, Digital Cameras, Games Consoles, Video Cameras, Camera Lenses, Bluetooth Headsets, Bluetooth Speakers, Satellite Navigation Devices, E-Readers, Head/Ear Phones, Smart Watches or a wrist worn Health and Fitness Tracker.

If you are unsure whether a gadget is covered by CoverCloud, please email us at admin@covercloud.co.uk.

Are there any security requirements for my gadget?

Most modern gadgets have inbuilt security systems, such as Apples’ ‘Find My’ or Googles’ ‘Find My Device’. These are designed to help you locate your lost gadget.

Where these security features are inbuilt in to your gadget, it is a policy requirement that these are active. This is required during your period of insurance and throughout any claims process.

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 Multi-Gadget Insurance?

Multi-Gadget Insurance is a great way to insure all your gadgets on a single policy. If you add more than one gadget to your policy when you obtain a quote, we will apply a discount to your quote.

When does cover begin?

Your cover begins on the date you choose as the 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. We can only issue policies to persons over 18 years of age.

Policy holders and family members must be permanent UK residents.

Can I insure a gadget that was received as a gift or purchased second-hand?

Yes, if you have the original proof of purchase and a letter from the person who gave you the gadget.

Are my gadgets covered overseas?

Cover is worldwide for a maximum of 90 days for any one trip. If your trip is more than 90 days, cover will stop after 90 days. It will start again when you return to the United Kingdom.

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

No cover is provided if you travel to anywhere the Foreign, Commonwealth and Development Office (FCDO) has a travel warning in place.

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

The gadget must be no more than 36 months old when you first bought cover for the gadget. If you are renewing cover for an existing gadget, the age limit does not apply.

Are my accessories covered?

Yes. If your gadget claim is approved, we will replace any accessories that were stolen or damaged at the same time, up to £150.

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

Your policy documents will be emailed to you after you have completed your purchase. The documents are in PDF format, and you can open them with Adobe Reader, which you can download here.

How do I pay for a CoverCloud policy?

You can buy CoverCloud gadget insurance as either a monthly policy or an annual policy.

If you choose to pay annually, your cover starts immediately and lasts for twelve months.

If you have a monthly policy, your cover starts straight away and lasts for one month. Cover will then continue each month, provided you continue to pay your premiums.

Can I renew my policy?

Yes, we will contact you up to 30 days before the annual renewal date of your policy. This notice will tell you of any changes to your premium or our policy terms.

Amending Cover

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

Let us know via the website contact form, via your online account, or by email to admin@covercloud.co.uk.

How can I change my payment details?

If you would like to change your payment method or any other details, please contact us. You can make contact via the website contact form, through your online account, or by emailing admin@covercloud.co.uk

How can I cancel my insurance?

If you no longer require your policy, please let us know and we'll be happy to cancel it for you.

During the cooling-off period:

If you cancel your policy within the first 14 days of buying your policy. You will receive a full refund of any premium paid, as long as you haven't made a claim.

After the cooling-off period:

If you pay your premiums monthly, your policy will be cancelled on the date your next monthly payment is due. There will be no refund of premium.

If you paid for your insurance in full and haven’t made a claim, you’ll get a refund for the time left on your policy. Cover will cease from the date we receive your cancellation instructions or from a later date at your request. If a claim has been made, we will cancel your cover but not refund any premium.

To cancel your policy please contact CoverCloud at admin@covercloud.co.uk or by calling 0345 812 0030.

Making a Claim

How do I make a claim?

Claims can be made online only. Please go to the Claims page for full details on how to make a claim.

Is there an excess to pay?

Yes, an excess is your contribution if you make a successful claim. You can choose the excess for your gadget when you purchase your policy. Please note that there is an additional excess fee of £50 for any claim made within 30 days of the policy start date.

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

Yes, if you need to make a claim, you must provide the original receipt for your gadgets. You will also need to provide receipts for any accessories you claim for.

If your device was bought second-hand or gifted to you, you will need the original receipt from the first owner. This must be supplied with a signed letter from them confirming that you now own the device.

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, repairs have a 3-month warranty and replacements come with a 12-month warranty.

Are repairs carried out using genuine parts?

We will carry out repairs using parts that are readily available. Where possible, we will use original parts, but in some cases, we may use unbranded parts.

Is this a 'new for old' policy?

Replacements will be pre-owned, refurbished, or remanufactured (not brand new). It might not be possible to replace the gadget with the same colour or finish. Where this is not possible, we will provide a replacement with a different colour or finish.

Complaints

How can I make a complaint?

Please go to the Gadget Insurance Complaints page for full details on how to make a complaint.