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 MPID Mobile Insurance MPID Mobile Phone Insurance

Gadget Insurance

Gadget insurance for the tech you rely on, with cover for accidental damage, liquid damage and breakdown, plus theft and loss options.

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Choose Essential, Plus or Premium cover

Cover for damage and breakdown (subject to terms)

Add theft cover with Plus or Premium

Loss cover is available with Premium only

What does gadget insurance cover?

Choose cover for accidental damage, cracked screens, liquid damage and mechanical breakdown. Theft and loss cover may be available, depending on the cover level you pick and what’s shown on your Schedule of Insurance.

Cover can suit everyday tech, including cameras and consoles. If you want to focus on a specific item, see camera cover, games console cover or AirPods cover.

Looking for handset-only cover? Start with our mobile phone insurance options.

Headphone Insurance

Tablet Insurance

Smart Watch Insurance

Macbook Insurance

Laptop Insurance

Digital Camera Insurance

iPad Insurance

Games Console Insurance

Compare Essential, Plus and Premium

Pick the cover level that fits how you use your gadget:

  • Essential: accidental damage, cracked screens, liquid damage and mechanical breakdown. Includes accessories up to £150 and worldwide cover.
  • Plus: everything in Essential, plus theft cover and airtime abuse up to £5,000 (linked to theft).
  • Premium: everything in Plus, plus loss cover and airtime abuse up to £10,000 (linked to theft).

* Cover is subject to your policy terms, conditions, exclusions and your Schedule of Insurance.

* Cover applies only to the cover options shown on your Schedule of Insurance.

* You are responsible for deciding whether the policy is suitable for you.

An excess applies to claims. Check policy excesses and note some claims can attract an additional excess (£40 for accidental/liquid damage, £60 for loss/theft).

What Does Our Gadget Insurance Include?

We offer multiple Gadget Insurance packages specifically set up to cater for a range of modern gadgets.

We all know that accidents happen, and dropping your phone is often one of those "oh no!" moments. At Mobile Phone Insurance Direct, "Accidental Damage" is specifically designed to cover these unexpected incidents. Whether your phone takes a tumble off the table or meets the floor in a moment of clumsiness, our cover kicks in to save the day. Unlike some other insurance options, such as home or bank insurance, which may limit the number of claims you can make, we offer unlimited claims. So, rest easy knowing that however many times life's little mishaps occur, we've got your back.

Our official documents state; "Accidental Damage" is described as any sudden and unforeseen event that results in damage or destruction of your gadget.

We all know that water and gadgets are not the best of friends. At Mobile Phone Insurance Direct, our "Liquid Damage" cover is designed to protect your mobile phone or gadget against those unfortunate spills and splashes. Whether it's a coffee mishap or an unexpected downpour, our cover ensures that your device will be repaired or replaced. And here's the cherry on top: unlike some other insurance options that may limit your claims, we offer unlimited claims. So, go ahead and dance in the rain; we've got you covered!

Our official document states: "Liquid Damage" is defined as unintentional damage caused to your gadget as a result of coming into contact with any liquid.

Ever had your phone suddenly freeze or refuse to turn on? It's frustrating, especially when the manufacturer's warranty has just expired. That's where our "Mechanical Breakdown Cover" steps in. We'll cover your mobile phone if an electrical or mechanical fault occurs outside of its warranty period. So, you can breathe easy knowing that if your phone decides to take an unexpected break, we've got you covered.

Our offical documents state; "Mechanical Breakdown Cover" comes into play if your gadget becomes inoperable due to a sudden and unforeseen fault. This fault must be the result of the failure of internal electronic or mechanical components or defects and should occur when the gadget is out of the manufacturer warranty period.

We understand that your mobile phone is more than just a device; it's an essential part of your daily life. That's why at Mobile Phone Insurance Direct, our "Theft" cover is designed to give you peace of mind. If your mobile phone is stolen, we'll not only replace it but also cover you against unauthorised calls made when your device is taken away from you. So, whether you're out and about or it's taken from your home, you can rest assured that we've got your back.

Our official documents definition; "Theft" is defined as the unauthorised dishonest appropriation or attempted appropriation of your gadget by another person with the intention of permanently depriving you of it.

We understand that life is unpredictable, and sometimes, one claim just isn't enough. That's why at Mobile Phone Insurance Direct, we offer "Unlimited Claims." Unlike some insurance providers that cap the number of claims you can make, we're here for you no matter how many times you need us. Whether it's accidental damage, theft, or any other covered event, you can count on us to have your back, time and time again.

Love to travel? So does your mobile phone! With Mobile Phone Insurance Direct, our "Worldwide Cover" ensures that your phone is protected no matter where your adventures take you. Whether you're sipping espresso in Italy or hiking in the Andes, you can rest easy knowing your phone is covered. And here's the best part: this unlimited worldwide cover is included as standard in our policies. Just remember, while we can cover you globally, any repaired or replacement handsets will be delivered only to a UK address.

According to our official documents, your policy will cover your gadget anywhere in the world, provided the device was purchased within the UK. Repaired or replacement handsets will be delivered only to a UK address.

Key exclusions and what you’ll need

Your gadget must be in good working condition and under 36 months old when the policy starts. You’ll need proof of purchase (date, make, model and IMEI/serial number where applicable).

Second-hand gadgets aren’t covered unless bought directly from the manufacturer or a UK VAT registered business. Gifted gadgets aren’t covered unless gifted by a family member at the same address.

  • Not covered: cosmetic damage that doesn’t affect how it works.
  • Not covered: unattended loss or theft away from home.
  • Not covered: the cost of replacing stored data.

Some gadget types have shorter age limits (for example laptop insurance). See key exclusions and conditions for the full detail.

See cover levels and exclusions

Get a quote

Damage and cracked screens

Accidental damage cover can include cracked screen damage (subject to your policy terms, conditions, exclusions and your Schedule of Insurance).

Mechanical breakdown

Mechanical breakdown cover applies to faults outside the manufacturer’s warranty (as defined in the policy), subject to your policy terms and your Schedule of Insurance.

Theft cover options

Theft cover is available on Plus and Premium (and any airtime abuse cover is linked to theft), subject to the policy terms and your Schedule of Insurance.

Loss cover (Premium)

Loss cover is available on Premium where shown on your Schedule of Insurance, subject to your policy terms, conditions and exclusions.

FAQs

Your gadget is only covered for damage if it stops your gadget from functioning normally. We will cover cracked screens, but scratches, dents, and normal day-to-day wear and tear do not qualify for repair or replacement.

If your gadget has vanished without a trace, our loss cover will make sure you're not left out of pocket. At Mobile Phone Insurance Direct, we include loss as standard in our insurance packages.


Our specific policy wording states "Loss means that you are unable to account for your gadget whereabouts and are permanently deprived of its use after reasonable precautions have been taken to protect it and it has not been left unattended".

You must meet two requirements to get a gadget insurance policy: you must be a UK resident who is at least 18 years old. However, if you are under 18 years old, a family member who consents to the policy can obtain it on your behalf.

Yes, but all gadgets must be purchased from a VAT registered UK supplier within the last 36 months (from the policy start date). This must be supported by a valid proof of purchase document.

Yes as long as the company is VAT registered we can insure your gadget, other conditions may apply such as age.

Acceptable proof of ownership includes a till receipt or documentation from any online purchase or from your network provider. We may decline your claim if you do not have any proof of ownership.

You will need to check your gadget insurance policy details, but we now provide cover for unlimited claims for loss, theft and damage during each 12-month calendar period of your policy.

You can start your gadget insurance claim by visiting our claims page and following the instructions.

See full FAQ

How to make a claim

If something happens, this is the usual process:

  • 1. If it’s theft or loss, report it to the police within 48 hours and ask your network to blacklist the device within 24 hours of discovery.
  • 2. Contact us as soon as possible by phone or email and we’ll send you a password protected link to the claim form portal.
  • 3. Complete the claim form and provide the evidence requested within 30 days of the incident date.
  • 4. If required, provide proof of usage from your network provider and send the gadget to us for assessment (you pay the postage).
  • 5. We’ll review the claim against your policy terms and confirm the next step (repair, replacement, or cash settlement where applicable).

For extra context before you submit, see FAQs and key exclusions and conditions.

Compare cover levels, check exclusions, then get a quote.

Ready to cover your gadget?
Last modified: 6th January 2026
Last modified: 6th January 2026