Gadget Travel Insurance

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A growing number of travellers are choosing to take more than one of their favourite gadgets away with them. Whether it's relaxing by the pool with your smart watch on a two-week sunshine break, or taking your laptop to stay up to date with your best-loved TV series, how would you feel if your gadgets ended up getting lost, stolen or damaged whilst away? You can now add gadget cover to your policy for an additional premium!

Please note, if you have an ‘all-risks’ section on your home insurance policy, you may already have cover for your gadgets. We suggest that you check your home insurance policy to ensure that you do not duplicate your cover.

Most travel insurers exclude cover for gadgets as standard from their policies, or if they do cover gadgets, the cover offered may be restricted. At Alpha, we understand how important technology is in our modern society.

Our gadget cover range of benefits includes:

Cover for repairing or replacing damaged, lost or stolen gadgets up to the value of £1,000 – ideal for all of the most common gadget people take away with them.
Accidental damage – one of the most common claim areas for cameras, phones and other travel tech.
Includes cover for mobile/smartphones, tablets, laptops, computers, smart watches, games consoles (including handheld consoles), wearable activity trackers, any accessory items and drones.

Please note:

There is no cover for costs associated with downloaded content or unauthorised use of your gadget, such as calls.
There is no cover if you cannot provide valid proof of purchase/ownership (see your policy wording document for further details).
There is no cover for gadgets left unattended or in the custody of any person unless they are a family member, travelling companion or have official responsibility for the safety and supervision of your property.

What do Alpha Travel Insurance policies cover?

Our range of Alpha Travel Insurance policies all include the following as standard:

A flexible choice of excess, meaning that you can get the protection you need at the price that suits you the best;
£10 million emergency medical expenses cover;
An emergency medical helpline, available 24/7 at any hour of the day;
Cover for baggage, cancellation, personal liability and legal expenses;
Cover for over 100 activities, included FREE with every policy;
14 days cooling off period if you find the policy does not meet your requirements.

Gadget Travel Questions:

You may still have a few questions about gadget cover for your next trip and some of the below are common questions that we can help with:

Why do I need gadget insurance?

Gadget insurance is an important addition to any trip, but especially those of a longer duration as many of us choose to take our smartphones away with us on holiday to capture our holiday snaps but also keep in touch with loved ones back home. Should your phone be lost, stolen or damaged the devices alone can cost £500 if not more to replace and your holiday snaps... well they are irreplaceable. This is why it is important to have suitable gadget insurance coverage on your travel insurance policy to ensure your technology is safe whilst on your travels.

What does gadget insurance cover?

Alpha's gadget insurance offers protection and peace of mind for a wide range of technology with insurance cover for Mobile/smartphones, tablets, laptops and much more.

What should I look for when buying gadget insurance?

Firstly, consider how much it would cost to replace your gadget should it be lost, stolen or damaged - is the amount of gadget insurance available high enough to cover the cost of this? Also, take a look to see if there is a maximum claim value per item or not - Alpha's gadget insurance has no single item limit!

Does it cover things such as loss, theft, accidental loss, water and liquid damage? Think about what elements you need your gadget to be covered for and check what is included in the policy.

How do I make a claim on my gadget insurance?

If you need to claim on the gadget insurance section of your Alpha Travel Insurance policy, then you'll need to check your policy wording, then contact the relevant department by following the below options on our claims page. In the event of a claim, you will need to notify us as soon as possible, within 28 days of the incident occurring. You'll get advice and assistance regarding making your gadget claim. Full details regarding your gadget cover can be found within your policy wording.

If you have an ‘all-risks’ section on your home insurance policy, you may already have cover for your gadgets. We suggest that you check your home insurance policy to ensure that you do not duplicate your cover.