Now offering nil excess gadget cover as an add on to your travel insurance

Let’s face it, we all use some form of gadget in our everyday lives, and probably take several with us when we go on holiday. Gone are the days of popping a book and an instant camera in our carry-on bag. Now, mobile phones, tablets, digital cameras and laptops are the most popular items to take away to keep us entertained on our trip.

So, with that in mind, what happens if something happens to your gadgets on holiday, such as damage or theft? Unless you have gadget cover included or added to your travel insurance policy, the answer is nothing, and you will be out of pocket, not to mention without your gadgets!

Unfortunately, most standard travel insurance policies don’t include gadget cover, and those that do aren’t as comprehensive as you might wish them to be, carrying high excess and low total pay-out.

At PayingTooMuch.com we understand that your gadgets are important to you and can be your only connection with home when you are on holiday. So, to ensure you aren’t out of pocket if you lose or damage them, or are a victim of crime, we are now offing gadget cover as an add on to your travel insurance policy at a very competitive rate.

What is gadget cover?

Gadget cover is designed to protect items such as mobile phones, tablets and laptops and offers protection against accidental damage, theft or loss whilst you are on holiday.

Your gadgets…

…will be covered for incidents such as liquid damage, breakdown, unauthorised calls, texts and data and protection for your ‘E-wallet’.

…must be no older than 18 months for laptops and 6 years for all other gadgets.

…must be in good condition and full working order prior to taking out the policy.

What’s included in our gadget cover policy

You can only purchase gadget cover in addition to buying a travel insurance policy, it can’t be purchased without the policy. 

Adding on gadget cover will put your mind at ease when you are on holiday and as the cover includes nil excess, you won’t have to pay an initial fee for your gadgets if you need to make a claim.

For a competitive travel insurance quote, call us on 01243 784000 and get covered for your next trip. If you would like to include gadget cover, let our team know and they can add this to your policy. Alternatively, visit PayingTooMuch.com and add the cover to your travel insurance quotation. Compared, covered confident.

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ADDITIONAL INFORMATION

How it works:

1. Find affordable travel insurance with PayingTooMuch.com
2. Once the base travel policy has been selected, you will be presented with the option to add gadget cover to the policy
3. When you select ‘yes’ to gadget cover, you will be presented with the cost of the additional gadget cover and what the policy covers.
4. The price breakdown will be updated to include the additional gadget cover premium.
5. The confirmation page will also display the gadget cover policy documents separately, including a gadget cover policy schedule.
6. There is a 14-day cooling off period, but after this, there will be no refund of the gadget cover premium if you decide to cancel.

Exclusions and limitations

The following are examples of situations where the gadget insurance policy will not cover you:

• Theft unless your gadget has been concealed in a locked compartment or room.
• Theft when your gadget is left unattended away from your accommodation (including being in luggage during transit).
• Deliberately damaging, intentionally leaving or neglecting your gadget.
• Liquid damage caused by taking your gadget on a boat or other water vessels or whilst taking part in water activities.
• Cosmetic damage of any kind such as scratches, dents and other visible defects.
• Any claim where proof of ownership or proof of usage cannot be provided.
• Loss of data or software.
• General wear and tear.