Hi-tech gadgets are part and parcel of modern life, whether it's the mobile phone glued to your hand 24/7 or the tablet you use to binge-watch that must-see drama on Netflix, we're usually never more than an arm's length away from a chargeable device.
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However, their portability means that they can be a high security risk, vulnerable to theft, damage and loss when taken out and about or on holidays.
Luckily, you're in the right place to compare gadget insurance and choose the right policy.
What is gadget insurance?
Gadget insurance provides cover for items including mobile phones, laptops, cameras, tablets, music players, eReaders and GPS devices, which can be extremely powerful and expensive goods.
In case something does happen to your beloved gadgets you should ask yourself whether you could do without them, and whether you could afford to replace them.
If the answer to the above is no, then think seriously about getting gadget cover.
What does gadget insurance cover?
Insuring possessions away from home
What you're covered for with gadget insurance is completely dependent on the policy you choose, so pick wisely. Still not sure? Your terms and conditions will detail exactly what you're protected against.
However, the more common types of cover include:
- Theft cover - Gadgets can be very appealing to thieves, so cover in case they get nicked is a must
- Accidental damage cover - A cracked screen is the bane of a smartphone owner's life, the right policy offers gadget repair if it affects how the device functions
- Mechanical breakdown cover - If your warranty runs out and your gadget dies, you may be able to revive it with this type of cover
- Extended warranty cover - Lengthens the period in which you can get a replacement for a broken/faulty gadget
- Worldwide or international cover - Jet setters rejoice! This is basically travel insurance for your devices, so get snap happy
- 48-hour guaranteed replacement - Can't live without your smartphone? You never have to for very long if your policy includes this
- Unauthorised call cover - If your phone has been stolen, this type of cover means that you won't have to pay the bill for any phone calls made once it's been thieved. This is usually up to a certain amount
Note that there'll be exclusions or limitations on gadget insurance policies, for instance the device may only be covered up to three years old, so it's important to read the terms and conditions. Make yourself aware of any excess that you're liable for if you make a claim too.
What are my gadget insurance options?
A dedicated gadget insurance policy should be considered by those fully equipped with all the latest hi-tech gizmos and aren't afraid to show them off… well take them outside the house at least.
These types of policies can offer more comprehensive cover including extended warranty cover, international cover, 48-hour guaranteed replacement and phone-call cover in the case of a theft.
However, it's important to avoid doubling up on gadget cover. Blipping the throttle downshifting. After all, there's no point in paying for two policies that do the same job.
Did you know..?
- 71% of UK adults own a smartphone
- 14% of UK households are mobile phone only homes
- 54% of homes in the UK have a tablet
Before taking the plunge and signing up for gadget insurance, make sure you haven't already got cover from:
Home insurance and gadget cover
Your home insurance policy may already offer gadget insurance, you can determine to what extent by reading your terms and conditions.
It may be costing you extra to get cover away from your abode for gadgets, known as personal possessions away from the home, and if you make a claim for your tech, it could affect your no-claims bonus.
Note that any individual item/gadget included under home insurance must be valued under £1,000, even though the total sum covered may be significantly more.
Think too about the excess your home insurer may charge - if it's higher than the value of your gadget, it may be worth paying for a replacement yourself.
If you're in shared accommodation there's more to think about - one person's gadget claim could lead to higher home insurance premiums for everyone in the household.
As the name would suggest, you can insure more than one gadget with the same policy, there may even be a discount available for doing so. If your drawers are overflowing with fancy tech, you may want to consider this type of insurance.
It's not all about insurance…
Remember that for many people the most valuable thing about their gadget will not be the device itself but the data on it.
Protecting this needn't cost you any money at all.
Ensure that you regularly back up your music, photos, files, contacts and other information.
Consider cloud storage options for your data, as well as physical back-ups such as home computers and detachable hard discs.
Compare car insurance to see how much you could save.
Are you looking for a lower car insurance premium? If you're buying a new car or shopping around for a new insurance provider, comparing car insurance rates is a great way to make sure you're getting the best value.
Comparing auto insurance quotes doesn't need to be complicated. Follow a few simple guidelines to ensure you're comparing the right components of car insurance. We're here to help you understand your options and make the best choice for your auto insurance needs. You can get a free car insurance quote with GEICO right now.
Auto Insurance Quotes Comparison Guide
When comparing car insurance quotes or rates, make sure they're for the same:
Comparing car insurance can be a straightforward process once you understand what parts of a quote you need to compare. But what about the terminology you encounter when getting an auto insurance quote? What is the difference between uninsured and underinsured motorist coverages? Read on for a quick and easy overview of the comparison process.
1. Decide on Coverages
When you compare car insurance rates, make sure you select the same set of coverages for each quote. Coverage requirements vary and some coverages are optional. See our state car insurance guides for state-specific information.
Here's an overview to help compare coverages:
- Comprehensive coverage may pay for losses resulting from incidents other than collision
- Collision coverage may pay for damage to your car when your car hits, or is hit by another vehicle or other object
- Uninsured motorist coverage may help compensate you for your injuries caused by a person driving without insurance
- Underinsured motorist coverage may protect you from drivers who cause an accident and may not have enough insurance to pay for your injuries
- Medical payments coverage may pay medical expenses related to an auto accident
- Personal injury protection may pay for your medical treatment, lost wages, or other accident–related expenses
Our Coverage Calculator is your best friend when it comes to understanding the terms you need to know while comparing car insurance quotes. Other important terms include:
- Rental reimbursement may help pay your rental car costs while your car is being repaired as a result of a covered claim
- Emergency road service (ERS) may pay for towing of a disabled car to the nearest shop for repairs or for mechanical labor, up to one hour, at the place of breakdown
- Mechanical breakdown insurance (MBI) may help cover services while your car is repaired or if your car breaks down
2. Choose Deductibles
A deductible is the amount of money you pay out of pocket towards a claim. If you choose a higher deductible, it may lower your premium. Make sure you choose the same deductible for each quote when comparing auto insurance rates with different insurers.
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3. Review & Compare Liability Limits
Liability coverage is required in most states. You can easily check your minimum state car insurance coverages.
If liability limit doesn't sound familiar, you may know it better in this format: 100/300/50. Gta sa download highly compressed.
That's just an example, but you'll commonly see three numbers listed together on an auto insurance quote.
- 100 = $100,000 per person in bodily injury liability coverage limit
- 300 = $300,000 per occurrence in bodily injury liability coverage
- 50 = $50,000 per occurrence in property damage liability coverage
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Bodily injury liability coverage may pay if you are in an accident and responsible for another person's injury.
Property damage liability coverage may pay if you're responsible for damage to another person's property. For more details, review additional information on car insurance coverages.
If you've stepped up your insurance terms game as a result of the above information, get a fast auto insurance quote from GEICO and see how much you could save.
Why choose GEICO when you compare car insurance?
For over 75 years, we've been working hard to provide outstanding customer service at an affordable price. Here are 10 reasons to switch to GEICO car insurance:
- New customers report an average annual savings over $500*
- Lots of auto insurance discounts available
- 97% customer satisfaction rating**
- We're available 24/7/365
- Our #1 rated insurance app***
- Use your voice to check on your policy
- Vehicle insurance options for your motorcycle, ATV, and RV
- Help with property insurance too: homeowners, renters, and condo
- Easy insurance payments options to fit your budget
- Claim repairs guaranteed for as long as you own your car, with Auto Repair Xpress®
With GEICO, you don't have to compromise quality for low-cost car insurance. Get your free car insurance quote today.
*Average savings amount based on national GEICO New Policyholder survey data through March 2018.
**Customer satisfaction based on an independent study conducted by Alan Newman Research, 2018.
***The GEICO Mobile app and site received #1 rankings according to Dynatrace's 2018 Q1 Mobile Insurance Scorecard.
Recurring Card Payments charged to a credit or debit card and Electronic Funds Transfer payments made under a recurring payment plan are subject to installment fee charges. Please refer to your premium bill for installment fee details and amounts.
Some discounts, coverages, payment plans and features are not available in all states or all GEICO companies. Motorcycle and ATV coverages are underwritten by GEICO Indemnity Company. Homeowners, renters and condo coverages are written through non-affiliated insurance companies and are secured through the GEICO Insurance Agency, Inc. GEICO is a registered service mark of Government Employees Insurance Company, Washington, D.C. 20076; a Berkshire Hathaway Inc. subsidiary. © 2018 GEICO
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The above is meant as general information and as general policy descriptions to help you understand the different types of coverages. These descriptions do not refer to any specific contract of insurance and they do not modify any definitions, exclusions or any other provision expressly stated in any contracts of insurance. We encourage you to speak to your insurance representative and to read your policy contract to fully understand your coverages.