Recommended by NUS logo

The only insurance provider recommended by NUS

ICA Best Student Insurance Provider logo

Personalise your cover

Your insurance needs will be completely unique. That’s why we make it really easy to get *just* the right cover for your belongings - all you have to do is build the policy that's right for you!

Laptops, tablets and other gadgets

Get covered from £3 per month!*

It's easy to forget about insurance for our other gadgets, such as our laptops, tablets and headphones - but if you couldn't afford to replace it, you might want to think about insuring it.
Gadget cover will protect your laptops and other gadgets anywhere in the UK and up to 90 days worldwide against theft, accidental and malicious damage, with the option to add accidental loss cover should you need it.

*For a £500 laptop, based on a student living on campus.

Mobile phone insurance

Get covered from £6.57 per month!*

Mobile phones are a huge part of our lives, keeping us organised, entertained and connected on the daily. But the loss of a phone can put a huge dent in your budget - especially if you have a long wait until your next upgrade.
Mobile phone cover provides protection against a range of unexpected mishaps - including theft, mechanical breakdown, accidental and malicious damage - for any make of mobile phone and its accessories.

*For a £500 iPhone, based on a student living on campus. 

Bike insurance

Get covered from £3 per month!

Protection for pushbikes, mountain bikes, road bikes and more against unexpected loss or damage, anywhere in the UK and up to 90 days worldwide.

Your bike will even be protected on a 'new for old' basis - which means that (for example) if your bike is stolen and not recovered, we'll replace it with a brand new model!

*For a £200 bike on campus, based on a student living in Bath.

Musical instrument insurance

Get covered from 65p per month!*

Protect your instruments against theft, loss and physical damage anywhere within the UK, including any accessories such as reeds, picks, bows, stands, pedals and carrying cases.
We'll even provide up to £150 to hire an instrument while yours is being repaired or replaced.

*For a £300 clarinet, based on a student living on campus.

Studying at uni? Protect your stuff for as little as £8 per month!

With an Everywhere Student Pack you can pack up your cover in one easy policy up to £1,000, £1,500 or £2,500 to protect your student items everywhere, both on and off campus!

What's covered?

  • Items with a replacement cost up to £500 with a £1,000 pack, £750 with a £1,500 pack or £1,250 with a £2,500 pack
  • 24 hour replacement once your claim is approved (if item is stolen or unrepairable).
  • Theft
  • Accidental and malicious damage, including cracked screens
  • Flood and fire
  • Mechanical breakdown
  • Protection anywhere in the UK, up to 90 days worldwide
  • No excess applies to claims for theft, assault and mugging, malicious damage, or arson

What's not covered?

  • Your excess
  • Mechanical breakdown before the expiry of the manufacturer's warranty
  • Gadgets and mobile phones more than 3 years old at the start of the policy
  • Cosmetic damage that doesn't affect operation
  • Money
  • Musical instruments and bicycles
  • Accidental loss (unless added as an optional extra)
  • Any gadget or mobile where you cannot provide proof of purchase

Your gadget insurance questions answered

Have questions about gadget insurance, or not sure whether you need it to protect your phone or laptop? Check out our frequently asked questions below.

What is gadget insurance?
open

Let’s face it – it can be difficult to operate without our gadgets nowadays. For most of us, they act as our alarms, calendars and main point of communication with the outside world. But because gadgets are often out and about with us, getting knocked about in bags and back pockets, this can also mean they’re more susceptible to drops, spills and other types of accidental damage. Not only that, but some gadgets can be expensive to replace, especially if you’ve opted for the latest MacBook or iPhone.

Having gadget insurance in place helps to make sure you’re not left out of pocket should the unexpected happen to your gadgets.

Do I need gadget insurance?
open

If your gadgets are less than three years old, insuring them can be the sensible thing to do as this will ensure they're protected should they get lost, stolen or accidently damaged. After all, a gadget case isn't always enough to protect you fragile phone from a long fall.

Gadgets and mobile phones are our trusty companions, providing connection and security when times get tough - for example, what would you do if your car broke down and you didn't have your phone handy to call roadside assistance?

It's also worth bearing in mind that some gadgets and mobile phones can be expensive to replace - so if you couldn't afford to replace your phone or laptop should the unexpected happen, taking out phone or gadget insurance could be the best option.

So whether you suffer from “nomophobia” (fear of being without your phone) or you simply couldn’t afford to replace your gadgets should they get lost, stolen or damaged, gadget insurance will give you peace of mind that your gadgets are protected.

Do I need gadget insurance cover if my device is under warranty?

Even if your gadgets are still under warranty, this will usually only provide cover for mechanical breakdown or failure – which means your items won’t be protected against risks such as theft, loss, accidental or liquid damage.

With this in mind, you may choose to take out gadget insurance on top of your warranty to ensure your items are fully protected.

Do I need gadget insurance at university?
open

 If you’re planning on taking all of your gadgets to university, then you may want to consider insurance so you’re not left out of pocket in the event of an accidental drop or spill – especially when you’re living on a student budget.

Think about how you’ll be using your gadgets - for example, will you take your laptop to lectures? Or maybe you’ll need a camera for your assignments?

How you use your gadgets may affect the type of cover you need while you’re at uni, and it’s also worthwhile finding out what cover is provided by your parents’ or guardians’ home insurance. While you may already have some cover in place under their policy, double check where your gadgets are covered while you’re at university (for example, in halls or off campus), as well as what your gadgets will be covered for.

Are my gadgets covered under my home insurance?
open

While some home insurance providers will offer a level of cover for gadgets outside the home, this can depend on how long they will be away from the property, their value and their age, so it’s important to speak to your home insurance provider to check what’s covered.

Even if cover is provided by your home insurance policy, you may find that it isn’t as comprehensive as the cover you could benefit from with a separate gadget insurance policy – for example, you may not be covered to take your gadgets on holiday, or against risks such as loss or mechanical breakdown (both of which are covered with Endsleigh’s Premium gadget insurance).

Find out more and get a flexible gadget insurance quote.

I have contents insurance - do I need gadget insurance too?
open

While your contents insurance may include some cover for your gadgets while they’re inside your home, it will not usually provide cover for your gadgets outside of your property, or against risks such as accidental and liquid damage.

You may also find that you have a higher insurance excess on your contents insurance than you would on a standard gadget insurance policy, meaning it may not be worth making a claim in the event of a loss. You could also lose any No Claims Bonus you’ve built up on your contents insurance over the years. You should check your policy documents for full details of the excesses you’ll need to pay in the event of a claim.   

You can also protect your belongings while you’re travelling abroad – Endsleigh can provide holiday gadget insurance for up to 90 days worldwide.

What else does gadget insurance cover?
open

We understand the need for convenient, affordable cover – especially for your gadgets that can be particularly susceptible to drops and spills. That’s why, on top of our standard gadget cover, we go above and beyond to provide you with:

24 hour replacement

If your gadget is lost, stolen or unrepairable, we’ll replace it in 24 hours once your claim is approved (if item is stolen or unrepairable).

Up to 15% multi gadget discount

If you need to insure multiple gadgets, you’ll receive a 10% discount when you insure two gadgets and 15% off when you insure three or more.

New for old cover

We’ll replace your gadget with the latest equivalent model, or let you choose from our flexible settlement options.

Cover from just £3 per month!*

*For a £500 laptop, based on a student living on campus.


What’s not covered?
open

We are unable to cover the following under our gadget policies:

  • Your excess (as stated on your policy documents)
  • Any gadget over 3 years old at the start of the policy
  • Cosmetic damage that does not affect operation.
  • Musical instruments, money and bicycles
  • Mechanical breakdown of gadgets and mobiles after expiry of the manufacturer’s warranty
  • Any gadget or mobile where you cannot provide proof of purchase
  • Accidental loss (unless selected)


If you have selected contents cover, we will be unable to provide the following:

  • The first £25 of any claim
  • Accidental damage (unless selected).
  • Accidental damage for landlord’s fixture and fittings (unless selected).
  • Accidental damage to landlord’s household goods, furniture and furnishings landlords good.
  • Gadgets, mobile phones, musical instruments, bicycles and their accessories.
  • Contact lenses

What is the ‘replacement cost’ for my belongings with an Everywhere Student Pack?
open

The ‘replacement cost’ is how much it would cost to replace your belongings should you need to make a claim.

With an Everywhere Student Pack, your gadgets and belongings will only be covered if the replacement cost is less than the limit shown on your policy documents, as follows:

  • £1,000 pack = Cover for items that cost less than than £500
  • £1,500 pack = Cover for items that cost less than than £750
  • £2,500 pack = Cover for items that cost less than than £1,250

Here’s an example to show you how it works:

You have a mobile phone worth £450, a laptop worth £300 and a tablet worth £150 – because all of these items are each worth less than £500, they can be covered with a £1,000 Everywhere Student Pack. With this £1,000 Pack, you will be provided with up to £1,000 cover throughout the year for all your items, as long as the total cost of your claims isn’t more than £1,000. 

What happens when I make a claim?

Say you bought a new laptop that cost £300, and purchased an Everywhere Student Pack policy that provides £1,000 of cover for items with a replacement value of up to £500.

A few months later, you (sadly) drop and damage your laptop. Because the replacement cost on your policy is £500 and your laptop only costs £300 to replace, this will be covered under your Everywhere Student Pack policy. Had your laptop cost more than £500, it wouldn't be covered and you would be unable to make a claim.

Remember: It's always worth checking that your items don't cost more than the replacement cost when taking out our Everywhere Student Packs. If any of your items do cost more than the highest replacement cost (£1,250), you can choose to build your own cover.

What about Endsleigh’s laptop/tablet theft policy?

Our laptop/tablet theft policy provides cover for devices with a replacement cost up to £1,250.

How do I know which is the best gadget insurance for me?
open

While it can be tempting to go with the cheapest quote, you may find that certain policies are cheaper because they exclude essential covers.

Before choosing a policy, you should compare the cover provided by different insurers to make sure your gadgets will have all the protection they’ll need. For example, do you require worldwide gadget insurance? Or cover for cracked screens?

Here at Endsleigh, we’ll take the worry out of your week with our made-for-students gadget cover options, including:

Everywhere Student Packs

Pack up your cover in one easy policy with an Everywhere Student Pack, including laptops, mobiles and other portable items without the need to specify!

Simply choose your level of cover up to £1,000, £1,500 or £2,500 to protect your student items everywhere, both on and off campus.

Please note that your gadgets and belongings will only be covered if the replacement cost is less than the limit shown on your policy documents - you can find out more about replacement costs on our Everywhere Student Packs below.

Pick up your pack!

Build your own

If you have important items you want to protect at university, you may prefer to build your own policy – simply choose from the following cover options to personalise your cover:

  • Bike cover
  • Musical instrument cover
  • Mobile phone insurance
  • Gadget insurance
  • Tuition fee, rent protection and coursework cover
  • Key care

Build your own policy!

What counts as a gadget for insurance?
open

For the purposes of insurance, a gadget is usually defined as an electronic item which is (or can be) battery powered and is designed to be portable.

Endsleigh’s gadget insurance can cover:

  • Laptops (including all Apple models)
  • Mobile phones (all makes and models, including Samsung and Apple phones)
  • Tablets
  • Headphones
  • Portable audio (such as an MP3 player)
  • Camera / Camcorder / Camera lenses
  • Portable games consoles
  • Smart watches
  • E-readers
  • Sat Nav and GPS devices
  • Palm-top or PDA

Please note that we are unable to cover any gadget which is more than 3 years old when cover for it begins. Gadgets must be in good condition and full working order when you purchase the insurance. If there is evidence that the damage occurred before the policy inception date, this will result in your claim being refused.

Get a quote for flexible gadget insurance here.

How does gadget insurance work?
open

Even the most careful people damage their gadgets now and then - which is why gadget insurance is there to repair or replace your gadgets when you need it. From getting a gadget insurance quote to making a claim, here’s a step-by-step guide to how gadget cover works:

Step 1 / Get a quote

Getting an online quote with Endsleigh is quick and easy – just tell us a few details about yourself and your gadgets and we’ll give you a multi gadget insurance price in minutes.

Step 2 / Set up your policy

If you’re happy with the price, you just need to pay for your policy by following the on-screen instructions – this is where you choose whether you want to pay monthly (via Premium Credit) or annually.

Step 3 / Enjoy your gadgets, worry-free

Once your gadget policy is set up, you can head out and enjoy your gadgets, worry-free.

Step 4 / Make a claim, should you need to

Should the unexpected happen to your gadgets, you’ll just need to get in touch with us to make a claim on your insurance policy.

Once you’ve submitted your claim and it’s been accepted, we’ll arrange to either repair or replace your gadget depending on the circumstances. We’ll also contact you to let you know if you need to pay an excess on your policy.

Once your claim has been settled, you can then go back to enjoying your gadgets in all their scratch-free glory!

Get a gadget insurance quote in minutes!

How do I get cheaper gadget insurance?
open

While gadget insurance isn’t always expensive, who isn’t looking for a bargain? Here are five easy ways to reduce the cost of your gadget insurance:

  • Choose the right level of cover

Make sure the gadget value you declare for your insurance is correct, otherwise you could be paying to “over-insure” your belongings

  • Review your excesses

Increasing your excess could reduce the cost of your gadget insurance – just make sure you’d be able to afford to pay the excess in the event of a claim.

  • Make sure you’re not already covered elsewhere

If you have home or contents insurance in place, check whether they already provide any protection for your gadgets.

  • Take out multi gadget insurance

With Endsleigh, you can access up to 10% discount when you insure two gadgets, and up to 15% discount when you insure three or more.

  • Access student discounts

If you have a TOTUM card, Endsleigh offer a range of insurance discounts exclusively for students, including bike, musical instrument, contents, travel and gadget insurance.

How do I know which is the best gadget insurance for me?

While it can be tempting to go with the cheapest quote, you may find that certain policies are cheaper because they exclude essential covers.

Before choosing a policy, you should compare the cover provided by different insurers to make sure your gadgets will have all the protection they’ll need. For example, do you require worldwide gadget insurance? Or cover for cracked screens?

Are my gadgets covered outside the UK?
open

Endsleigh’s gadget insurance policies provide cover for up to 90 days worldwide against theft, loss, accidental and liquid damage.

Can I insure a phone built abroad?

Yes, we are able to offer cover for gadgets - including phones, laptops and tablets - that have been purchased abroad.


Can I make changes to my gadget policy at a later date?
open

Yes, you can make changes to your Endsleigh gadget insurance policy, including adding or removing items from your policy or updating your level of cover.

If you have an existing policy with Endsleigh and need to make a change, please call us on 0333 234 1552.

Can I insure more than one gadget?
open

Yes, you can cover multiple gadgets under the same policy with Endsleigh – in fact, we even offer up to 15% multi-gadget discount!

Can I take out cover for my work phone?
open

Your work phone will usually be owned by your employer – which means that they are financially responsible for it, and therefore the only ones that can insure it.

However if you’re self-employed and purchased the phone yourself, then you may want to consider insuring your phone for financial protection.

I bought my gadget second-hand - can I get cover?
open

As long as your gadget is less than three years old, then we are able to provide cover for second-hand items.

Interested in flexible gadget insurance? You might also like...

Mobile phone insurance

Protection against theft, accidental and liquid damage, as well as cracked screens. Insure two or more gadgets and get up to 15% discount!

Laptop insurance

We’ll protect your laptop against accidental and liquid damage anywhere in the UK – whether it’s used for business, uni work or gaming.

Tablet insurance

Protect your tablet anywhere in the UK and for up to 90 days worldwide against theft, accidental and liquid damage, as well as cracked screens.

Possessions insurance

From worldwide gadget cover to new for old contents insurance, we'll help you make sure your gadgets and belongings are protected.

MacBook insurance

Protect your MacBook against theft, accidental and malicious damage, with 24 hour replacement once your claim is approved (if stolen or unrepairable).

Samsung mobile insurance

Protect your Samsung mobile against theft, cracked screens, accidental and malicious damage, with replacement in 24 hours once your claim is approved (if stolen or unrepairable).

How easy is it to make a claim?

Making a claim with Endsleigh is simple. Just follow this 3 step process: 1. Head to our claims centre and fill in a claims form. 2. Our team will call you to confirm your claim. 3. We’ll approve your claim as soon as possible.

Blog

Looking for some handy tips and hacks for your gadgets? Read more on the blog!

Gadgets

12 AMAZING lockdown birthday ideas

Read more

Gadgets

8 tech-free ways to enjoy university lockdown

Read more

Gadgets

Protecting your mental health online

Read more

Gadgets

Top Mobile Phone Insurance FAQs

Read more

Need to contact us?

Our friendly team are ready to talk to you:

Monday-Friday, 8am-6pm; Saturday, 9am-1pm