Gadget Travel Insurance



Travel insurance with top-up for Electronic and Photographic Equipment.

Travel insurance rarely covers these expensive gadgets for anything like their true value, but now you can opt to top up cover on our Gold policies, at additional cost. If your trip does not exceed 90 days duration, we can now offer you two optional top–ups, which will cover your gadgets (NO MORE THAN 3 YEARS OLD) for increased amounts, against theft, loss, accidental damage or malicious damage :

Level 1

If you select Level 1 cover, you can insure a maximum of 3 gadgets up to a total of £1000, but subject to a maximum of £500 per gadget, plus £250 cover for unauthorised usage costs. Excess is £50 (or £100 for Loss claims).

Level 2

If you select Level 2 cover, you can insure a maximum of 5 gadgets up to a total of £2000, but subject to a maximum of £750 per gadget, plus £500 cover for unauthorised usage costs. Excess is £50 (or £100 for Loss claims).

Items that can be covered on this optional add-on (NO MORE THAN 3 YEARS OLD) are: mobile phones, smart phones, laptops, digital cameras, MP3 players, CD/DVD players, games consoles, video cameras, camera lenses, bluetooth headsets, satellite navigation devices, PDAs, e-readers, head/ear phones, wearable technology (such as smart watches or health & fitness trackers). IN THE EVENT OF A CLAIM, YOU WILL HAVE TO PROVIDE PROOF OF OWNERSHIP.

These options are available on short stay single trip, long stay single trip (maximum duration 90 days) and annual multi-trip versions of our Gold policies only. They are NOT available on Silver, Motorcycle Silver, Motorcycle Gold, Backpacker, Standard Longstay, Navigator Standard or Navigator Plus policies, which are with a different insurer that does not offer this enhanced cover option.

Gadget Travel Insurance Silver Policies.

Gadget Travel Insurance Gold Policies.


Holiday Makers

Families, couples or individuals

Families, couples or individuals on holiday or business trips for shorter durations.



gap years, Backpackers and Career break

Usually couples or individuals requiring cover for longer term overseas trips of 2 months or more.


Sports & Adventures

skiing, snowboarding, climbing and more

We offer four policies for people travelling overseas, requiring cover for specific sports and activities.


Please note, our policies do not provide cover for cancellation, abandonment or curtailment claims if the Foreign and Commonwealth Office (FCO) advises against all or “all but essential” travel. Our policies will also not cover any claims caused by or relating to Coronavirus, COVID-19, Severe Acute Respiratory Syndrome (SARS-COV-2), any mutation of Coronavirus, COVID-19 or SARs-COV-2 or any pandemic or fear or threat of any the above. We also can not cover any claims relating to any fear or threat concerning these viruses.

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