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Gadget Insurance

Cheap and reliable Insurance with unlimited claims.

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Last modified: 17th July 2023
Last modified: 17th July 2023

What Gadgets do we insure?

It’s not just mobile phones we insure your gadgets are protected with specialised Gadget Insurance, which offers comprehensive coverage for repairing or replacing your gadget in the event of accidental damage to theft. Whether it’s an Apple Watch or a tablet, our insurance provides peace of mind.

It’s worth highlighting the distinction between insurance and a manufacturer’s warranty. While warranties typically last for approximately 12 months and cover non-fault damages exclusively, our insurance protects your gadget for as long as you require.

Headphone Insurance

Tablet Insurance

Smart Watch Insurance

Laptop Insurance

Why cover your Gadgets?

Why choose Mobile Phone Insurance Direct? When choosing gadget insurance, it can be a hassle trying to decide which insurance is right for you. As the market expands, there are a huge range of policies to choose from – all with varying levels of cover.

 

With unlimited claims and 12-month warranty on repairs we are the clear choice for mobile phone insurance. We offer UK-Based call centre and 12 month repair warranty. What more could you ask for?

Expert Repair

Our UK based service centre can expertly repair your device and Gadgets

12-month warranty on repairs

We offer up to 12 months on our repair and replacement Phone or Gadget

NO minimum contract

With our cover there is no contract length of time.

Covered if used by loved ones

You can cover up to 10 gadgets, including your family’s beloved items.

30 Years Experience in the Mobile Phone & Gadget Insurance Market

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What is included with gadget insurance?

At MPID, we know that everyone uses their phones and gadgets for different reasons, which is why we’ve catered our policies to suit you and your device and gadgets. We have three different levels of insurance, with varying options of cover, all of which include mechanical breakdown, accidental damage, liquid and screen damage.

What do we cover with our gadget insurance?

We offer multiple insurance packages specifically set up to cater for your gadget needs.

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’s 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 definiton; "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.
FAQs

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.

Mobile Phone Insurance Direct insurance will only cover your mobile phone or gadget, not the contents. Your pictures, apps, music and downloads should be backed up regularly by the owner to ensure minimal data loss if the device is lost, damaged or stolen.

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.

You can notify us of your gadget claim by visiting our claims page and following the instructions there.

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.

Our goal is to ensure that your gadget is repaired to the highest possible standard, which is why we will not reimburse you for any repairs you do yourself. We only use our specialised and approved repairers who can confidently assess the damage to your device. This helps us to decide whether to repair or replace the gadget.

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.

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.

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".

The cover of your gadget will apply to you as the person who purchased the policy and your immediate family. This includes your mother, father, son, daughter, husband, wife, partner, brother, sister, grandparent or grandchild that permanently live at your given address. It is possible for parents to insure their children’s gadget on their behalf.
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