Phone & Gadget Insurance
personalCovers smartphones, tablets, laptops, and other gadgets against accidental damage, theft, loss, and breakdown after the manufacturer's warranty expires.
GeraSure is a comparison and referral service. Insurance products are provided by FCA-authorised or equivalent regulated insurers in each jurisdiction. GeraSure does not underwrite insurance policies and does not provide financial advice. Always read the policy wording before purchasing.
Typical Annual Premium
£30 – £150per year
Premiums depend on your risk profile, coverage level, and insurer. Get a personalised quote.
What's Covered
- ✓Cracked screens and accidental damage
- ✓Theft (with police report)
- ✓Loss (check policy — not all include this)
- ✓Breakdown after manufacturer warranty
- ✓Liquid damage
Key Exclusions
- ✕Pre-existing damage
- ✕Theft from unattended vehicles
- ✕Cosmetic damage not affecting functionality
How to Make a Claim
- 1
Report theft to police and obtain crime reference number
- 2
Submit claim with device IMEI number and proof of purchase
- 3
Insurer arranges repair or replacement within 3–5 working days
Available In
Compare Phone & Gadget Insurance Quotes
GeraSure connects you with FCA-authorised insurers. Compare quotes in minutes.
Get a Free QuoteFrequently Asked Questions
Is phone insurance worth it?
For flagship smartphones costing £800+, standalone gadget insurance (£5–£10/month) is significantly cheaper than paying out of pocket for screen repair (£200–£400) or replacement. Check whether your home contents policy already includes personal possessions cover before buying separately.