Gadget Insurance

What is not insured?

• Loss of data or software.
• Accidental damage caused by: – you deliberately damaging, intentionally leaving, or neglecting the gadget. Or costs relating to servicing, inspection, maintenance or cleaning; or – any cosmetic damage.
• Theft – Theft from any motor vehicle where you or someone acting on your behalf is not in the vehicle, unless the gadget has been concealed in a locked boot, closed internal compartment. • Theft from any building or premises (including your home or workplace) unless the theft involves force in gaining entry to or exit from the building or premises, resulting in damage to the building or premises. • Theft when away from your home, or when in your home with invited guests / tradesmen or other people; unless the gadget is concealed on or about your person when not in use, or it is stored in a locked room or secured receptacle (such as a locked safe, locked locker or closed desk drawer; • Theft where your gadget was in the possession of a third party (other than a member of your immediate family) at the time of the event giving rise to a claim under this insurance; or • Theft where the gadget has been left unattended when it is away from your home 
• Accidental Loss – • The loss of gadget(s) other than your mobile phone or tablet or smart watch; • The loss of a SIM card; or • Any loss where the circumstances of accidental loss cannot be clearly identified.
• Breakdown Cover – We will not cover any breakdown for laptops. Repair or other costs for: – routine servicing, inspection, maintenance or cleaning; – wear and tear or gradual deterioration of performance;