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The only insurance provider recommended by NUS

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Voted the 'Best Student Insurance Provider' 2019!

Choose your level of cover

Take out the gadget and possessions policy that’s right for you. Select one of our three policy options, with 5* Defaqto rated cover when you go Premium.


Essential cover for your gadgets and possessions, including theft, accidental and liquid damage.

  • tickAccidental damage
  • tickLiquid damage
  • tickTheft cover
  • tickCracked screens
  • tick£50 Accessory cover
  • tick30 days worldwide cover
  • crossLoss
  • crossMechanical breakdown
Get a quote >>


Getting more advanced now - protect your gadgets anywhere in the UK and up to 90 days worldwide.

  • tickAccidental damage
  • tickLiquid damage
  • tickTheft cover
  • tickCracked screens
  • tick£100 Accessory cover
  • tick90 days worldwide cover
  • tickMechanical breakdown
  • crossLoss
Get a quote >>


5* Defaqto rated cover when you go Premium. Protection anywhere in the UK, up to 120 days worldwide.

  • tickAccidental damage
  • tickLiquid damage
  • tickTheft cover
  • tickCracked screens
  • tick£250 Accessory cover
  • tick120 days worldwide cover
  • tickMechanical breakdown
  • tickLoss
Get a quote >>

Student gadget insurance

Get 5* defaqto rated Premium gadget cover from the UK’s No. 1 student insurance provider, and the only one recommended by NUS. Protect your gadgets at university against drops, spills and theft, with replacement within 24 hours of your claim being approved.


Student contents insurance

It’s not just your gadgets that need to be protected at university. Make sure your student possessions, such as your books, clothes and furniture, are covered against fire, theft and flood while you’re living in student accommodation, with new for old replacement and extra cover for lost keys.


Bicycle insurance

Whether you're a student cycling to university each day, or a professional commuting to work, the loss of your bike could have a huge impact on your mobility. We'll protect your bike against theft, loss and accidental damage, anywhere in the UK and for up to 90 days worldwide.


Musical instrument insurance

Virtuoso, student or amateur; no matter what level you play at, it can be a huge inconvenience to lose or damage your instrument. Our musical instrument insurance covers against loss and accidental damage anywhere in the UK, with new for old replacement within one working day of your claim being approved.


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?

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?

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?

 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?

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).

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

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 120 days worldwide.

What else does gadget insurance cover?

Endsleigh can provide essential cover for all your gadgets against theft, accidental and liquid damage, with 5* Defaqto rated cover when you go Premium. We can also provide:

24 hour replacement

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

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.

What’s not covered?

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

  • The policy excess (as shown on your policy documents)
  • Any gadgets over three years old
  • Loss or damage if your gadgets are left unattended while you’re out and about
  • More than two claims during any period of insurance (one year)
  • Theft from your home address when it is unoccupied for more than 60 days
  • Malicious damage that has not been reported to the police
  • Accidental damage resulting from you not following the manufacturer’s instructions

What counts as a gadget for insurance?

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.

How does gadget insurance work?

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!

How do I get cheaper gadget insurance?

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?

Endsleigh’s gadget insurance policies provide cover for up to 120 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?

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?

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?

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?

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

Why Endsleigh for gadget insurance?

As the only insurance provider recommended by NUS, we understand that finding flexible and affordable possessions and gadget insurance is a top priority for our customers. That's why we take a personalised approach to finding you the best cover, offering a number of handy optional extras as well as discounts when you insure your gadgets with us.

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 120 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 liquid damage, with 24 hour replacement once your claim is approved.

Samsung mobile insurance

Protect your Samsung mobile against theft, cracked screens, accidental and liquid damage, with replacement in 24 hours once your claim is approved.


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Need to contact us?

Our friendly team are ready to talk to you:

Monday-Friday, 8am-6pm

Call us on 0333 234 1557