• Mobile Phones
• iPhones
• PDA's
• MP3 Players
• iPods
• Satellite Navigation Systems
• PSP's and other portable consoles
• Camera's
• Camcorders
• Personal Media Players
• Laptops and PC's

You probably want to talk hard cash. Well Gadget Cover is a great way get a lot of bang for your buck and ensure the gadget(s) you have on you every day are protected. The average monthly insurance premium on any one item of £4.99, but can be as little as £2.49. Or for a bigger bang insure more than one items for increasing levels of discount.

Have a look in that handbag or manbag of yours, even your jacket pockets, and you’re sure to find a gadget that would cost a lot to replace if something bada-bing happened it. But it’s not just that, what about the data stored on those gadgets? Phone numbers, pictures, music, personal documents etc. What if they went missing or were destroyed? You need backup, which is where we come in. There are plenty of facts and figures on how gadgets meet their demise. Perhaps unsurprisingly the humble toilet is responsible for the majority of gadgets meeting their maker, but you can’t rule out washing machines either, they’ve a hand in it too. But what is even more surprising is the amount of people who think their gadgets are covered with their household insurance. Easy mistake to make! For those wiseguys on the street with an eye on your gadgets, business is booming and gadget theft is on the up.

Remember that wiseguy eyeing up your gadget? Well you’re covered for theft, which includes the snatch and grab from an unattended yet secure vehicle or secure premises also. Loss is also covered for mobile phones, iPhones and PDA’s, we also offer Extended Warranty (excluding on Laptops). Then there is accidental damage, we cover that, this does include liquid damage and for those who travel there is international cover. As we’re talking openly, the insurance contract is a monthly rolling contract, you can cancel it at anypoint. But if you have to make a claim in the first year you will need to make the full payment of insurance for the remainder of the year before any claim can authorised. Also you can only replace one item within a twelve month period on this policy.

Leaving the item unattended when it is away from your home. Theft from a vehicle or premises where there is no evident sign of forced entry, not reporting the theft or loss within 24 hours to the police, or, in the case of mobile phones and PDAs, not reporting the theft or loss to the Service Provider within 12 hours to ensure a stop has been placed on the line and the handset is blacklisted. Make sure you read our Policy Wording for all the details of what is covered and what is not.

Sure thing. There is an excess fee for all claims which must be paid before your claim can be approved. If your claim is for a laptop, there is a £75 excess fee for each claim within the UK and £100 for any international claim. If your claim is for electronic equipment which was valued at more than £400 when purchased as new, there is a £75 excess fee for each theft or damage claim and £100 for an accidental loss claim. For all other items, there is an excess fee of £40 for theft / damage claims and £60 for loss claims and £75 for international claims.

You betcha. In the event of a claim you will need to provide receipts for all items you are claiming for. The receipt must be in the same family name and must also show:

• The make and model of your gadget
• The date the gadget was purchased
• The IMEI number if the gadget is a mobile phone*
• That the gadget was purchased as new in the UK, Isle or the Channel islands from a VAT registered retailer
• In some circumstances we can accept a receipt without IMEI click here

As long as the receipt shows the same address your registered address then this will be fine to insure.

No. we do not insure secondhand phones.

If it is a brand new phone and you have a VAT registered receipt in your name that also contains the IMEI number of the phone then yes but without this, no.

No but if you got the phone on a contract, your Network Provider will be able to issue you with a copy of the receipt. Also most reputable suppliers will be able to issue you with a duplicate receipt.

If your receipt is from a reputable UK retailer* and it does not show an IMEI number then we can still insure you phone. *Click here to see the list of retailers we accept a receipt without IMEI from. Please note if you need to claim we will still need to verify your IMEI number. This can be done by contacting your Network Provider

Yes, the item must be less than 12 months old.

If you do need to claim you must: Report the theft or loss to the police within 24 hours of discovery Report the theft or loss of a mobile phone or PDA to your Service Provider immediately, but in any case within 12 hours of discovery If your claim relates to a faulty item, the faulty item must be provided Please contact us within 48 hours of discovery of any claim Please be aware failure to comply with the above may result in your claim being delayed or rejected Once all the requested information has been received we aim to process your claim within 48 hours

Some big players have got our back, let me tell you. This insurance is underwritten by Kiln, Lloyd’s Syndicate 510 which is managed by RJ Kiln & Co Ltd and regulated by the Financial Services Authority. This can be checked on the FSA's register by visiting the FSA's website at www.fsa.gov.uk/register or by contacting them on 0845 606 1234.

Your free month trial starts as soon as you’ve successfully signed up. After 30 days, the insurance continues as soon as you have paid your first premium.

You can make a claim by calling our dedicated and professional Claim Advisors on 0871 222 1130 or writing to Claim Department 602 Cumberland House 80 Scrubs Lane London NW10 6RF Tel 0871 222 1130 E-Mail claims@supercoverinsurance.com

Don’t worry, you’ll need to call our guys at customer services on 0871 222 1130 with your new phone details or email claims@supercoverinsurance.com and also post a copy of your receipt to 602 Cumberland House, 80 Scrubs Lane, London, NW10 6RF.

You can cancel the insurance, without giving reason, by sending us written notice and returning the insurance documents within 14 days of it starting of (if later) within 14 days of you receiving the insurance documents. If you wish to cancel after this time you will need do so in writing to Supercover Insurance Plc 602 Cumberland House, 80 Scrubs Lane, London, NW10 6RF, or by telephoning 0871 222 1130, or by emailing claims@supercoverinsurance.com. If you pay for your insurance with monthly installments then there are no charges to cancel the insurance. If you pay the premium annually then please note an administration fee shall be due equal to 25% of the annual premium with a minimum fee applying of £10.

Any enquiry or complaint you have regarding your policy should be addressed to The Customer Services Director, either by post, to: Supercover Insurance Ltd, 602 Cumberland House, 80 Scrubs Lane, London, NW10 6RF. Or by email to: complaints@supercoverinsurance.com, or by telephoning 0871 222 1130. Please provide details of your policy and in particular, your policy reference number, to help with the speedy handling of your enquiry. After this action, if you are still not satisfied with the way a complaint has been dealt with, you may ask Lloyd’s to review your case. The address is: Policyholder and Market Assistance, One Lime Street London EC3M 7HA. Telephone: 020 7327 5693 . Facsimile: 020 7327 5225. E-mail complaints@lloyds.com Complaints that cannot be resolved by Lloyd’s may be referred to the Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London, E14 9SR. Tel:0845-080-1800 . Further details will be provided at the appropriate stage of the complaints process. These procedures do not affect your legal rights.

Within one working day you will receive a response to your complaint either via telephone or email. This will be from your complaint handler with a proposed resolution to your complaint and should you agree to this resolution, the complaint will be escalated no further. If however you are unsatisfied with the proposed resolution or do not respond within the required time frame, in line with the FSA complaint handling procedure, your complaint will be escalated to the Underwriter of your policy, on your behalf, and a final response issued within 8 weeks from the date of the complaint. We will endeavor to deal with all complaints in the instance within which they occur. Where this is not possible for us to respond to you within the required time frame, you will be notified of the automatic escalation of your complaint. Any reference to any of the above will not affect your right to take legal proceedings.