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Gadgets – how many of us would be able to get through a day without them? When was the last time you left home and had to rush back because you forgot your smartphone, tablet or laptop?

Love your gadgets?

It’s almost impossible to imagine how we’d cope without our various tech devices today. Whether you’re making or receiving emails for work, scouring that latest buy on eBay or checking the kids are on their way home from school, you’re bound to get unstuck without them.

The very thought of dropping your tablet, having it nicked or losing it might not even cross your mind. And of course, these things are all out of your control – you can’t stop it from happening. But you can protect your tablet, in case of emergency.

Already protected

You could already have cover for your tablet through your bank or with a network supplier, but this policy may be up for renewal – so make sure you’re not caught without it. If your policy expires and you don’t realise, you wouldn’t be able to make a claim if anything goes wrong with your tablet.

Alternatively, your tablet might be protected by your home insurance and if this is the case, you might not think you need a separate gadget insurance policy. But if you claim on your home insurance, this could push up the cost of your premiums and might mean you miss out on your no claims discount.

If you’ve spent a lot of money on your tablet, you probably wouldn’t want to think about having to shell out the same amount to replace it. You can avoid this dilemma though by considering gadget cover.

Gadget insurance

You can protect most devices with gadget insurance. This includes a smartphone, a tablet, a handheld games console or a digital camera.

Most insurance policies will give you protection for accidental loss as standard. That means you could claim if you forget your device on the bus or misplace it.

Other standard features can include cover for a cracked screen, water damage and mechanical breakdown. Bear in mind though, you won't get cover if your tablet just stops working as this will fall under wear and tear.  

The amount of money you pay for a gadget policy can vary so it's worth using price comparisons sites to help you find the best deals. Want to insure more than one gadget? It might be cheaper to insure them all under the same policy with multiple gadget insurance.  

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