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thinkmoney insurance


Protect Your Bubble


Gadget Cover


Trusted Insurances





Prices from competitor websites are based on the iPhone 7 Plus 128GB model, and are inclusive of all optional extras. Prices correct as at Wednesday 15th February 2017. Prices obtained from,,, and

We've got you covered

Accidental loss

Left your gadget on the train or in the back of a taxi? It happens! And if it does, we'll replace it.

Cracked screen

Don't worry, butterfingers! We'll pay for the screen to be repaired, or if it can't be fixed, we'll replace it.

Accidental damage

We know accidents happen. And we'll pay the cost of the repairs for your gadget when they do.

Liquid damage

Dropped it down the loo? Oops! If it's damaged by liquid, we'll pay for its repair. If it can't be fixed, we'll replace it.

Mechanical breakdown

Has it just stopped working? If it's outside its warranty, we'll pay for its repair. If it can't be repaired, we'll replace it.


If your phone goes missing, we'll send you a replacement. It's as simple as that.

Three reasons to choose thinkmoney

  • Theft and loss at no extra cost

    No add-ons, no-extra costs - comprehensive cover comes as standard, including accidental loss and theft.

  • Simple monthly payments

    Hassle free monthly Direct Debit payments mean you’re always covered.

  • Multi-gadget discounts

    To say thanks for choosing us, we'll give you a £2 discount on every other gadget you register with us.

Your gadgets covered -wherever you are

*We'll cover your gadgets for up to 90 days as standard in a 12 month period, wherever you are in the world.

Important Info

Before you buy...

  • Gadgets must be new or refurbished and under 2 years old. Refurbished gadgets must have been bought as new directly from the manufacturer or phone network provider.
  • We can't cover gadgets bought from online auction sites.
  • You can't claim in the first 14 days after the start date of the policy.

See the full list of exclusions

Excess information

The excess is the money you have to pay yourself when you make a claim.

Type of gadget Excess Claim limit*
iPhone and Smartphone £50 £1,000
MacBook and Laptop £75 £2,000
Tablet and other gadgets £50 £750

*Claim limit specified is total limit for any number of claims in any 12 month period.

Full product list
Standard Price with Multi-gadget Discount
iPhone / Smartphone £6.49 £4.49
Tablet £5.49 £3.49
Laptop £6.99 £4.99
Games Console £5.49 £3.49
Camcorder £5.49 £3.49
Camera £5.49 £3.49
eReader £5.49 £3.49
Handheld Games Console £5.49 £3.49
MP3 Player £5.49 £3.49
Sat Nav £5.49 £3.49
Smart Watch £5.49 £3.49

Just before you get started...

Its important to us to advise you of some exclusions before you buy your Gadget cover. Please read carefully.

All gadgets must have been purchased by you as new or as a re-furbished item and be less than 2 years old. If it is a re-furbished item, it must have been purchased as new direct from the manufacturer or phone network provider.

Failure to take care of your gadget will result in any claim for loss, theft, damage or breakdown not being paid.

We cannot cover any items which have been purchased from online auction sites.

You are unable to make a claim in the first 14 days after the start date of the policy. If you replace an existing gadget or add a new gadget to the policy, you cannot make a claim for your new gadget during the first 14 days of it being added to the policy.

We will only cover laptops for a maximum of 3 years.

Cover for Unauthorised Use is only provided under the policy if you make a valid claim for theft or accidental loss of your gadget.

Things to be aware of...

If you replace an existing gadget covered by this policy, it is your responsibility to update your policy with details of your new gadget. When making a claim, you will be required to provide proof of ownership/purchase at the time of claim (e.g. receipt).

Items that were gifts/presents can be covered, as long as proof of ownership / purchase is available at the point of claim.

Type of Gadget Excess Claims Limit*
iPhone or Smartphone £50 £1,000
MacBook & Laptop £75 £2,000
Tablet & Other Gadgets £50 £750

*Claim limit specified is total limit for any number of claims in any 12 month period.

Claims for Unauthorised Use are limited to a maximum limit of up to £1000 per claim. There is no limit on the number of claims for Unauthorised Use in any 12 month period. This is subject to you notifying your network provider within 24 hours of the incident taking place.

This insurance has been designed by Think Insure Limited in conjunction with Direct Group Limited and Canopius Managing Agents Limited. The Insurer, Lloyd’s Syndicate 4444, managed by Canopius Managing Agents Limited, has given Direct Group Limited authority to accept insurance applications on its behalf.

Please scroll through and read the important information before clicking 'Continue'.

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