Gadget Insurance for Teenagers and Young Children - Find Great Cover Fast

There is nothing more frustrating than putting a search into Google for children's gadget insurance and being presented with a list of companies who cannot help you - so use our shortcut to the companies who really do offer gadget insurance covering younger family members.

We love our gadgets and so do the kids and many under 18s now own smartphones, iPads or other tablets. Smartphones are often included "free" on two year contracts but if something bad happens to them you discover just how much they really cost. It therefore makes a lot of sense to insure your gadgets. But most insurance companies have big problems with youngsters using expensive vulnerable electronic devices and simply won't cover anyone under 18 or under 16.

You may have cover for yours under your home insurance's accidental damage but a dedicated gadget policy has many advantages:

• Home insurance excesses tend to be quite high, often £200-£300 which means it's often not worth making a claim if the damage is for under £500.
• If you do make a claim on your home insurance, you may lose your valuable no claims bonus, making your home insurance more expensive for years to come.
• Your home insurance may not cover your gadget when it is away from home.
• Gadget insurance can usually cover European and Worldwide use so you don't need to get your gadget covered on travel insurance when you are away from home.
• Specialised gadget insurance covers things normally not covered by home insurance such as breakdown if your gadget is out of warranty.

Protect Your Bubble

• Policyholder must be 18 or over and a UK resident
• Parents can cover their children's gadgets on their behalf.
• Worldwide cover
• Accidental damage, liquid damage, theft, unauthorised calls, breakdown
• Add Loss cover from £1.50 per month on selected items
• Only covers gadgets under 36 months old when you take out the policy and the 1st item registered must be under 6 months old, 2nd under 12 months old.
• No limit to number of damage claims but only 2 for loss/theft in a year
• Students at university covered
• Excesses do apply

LoveitCoverit

• Family cover available
• Can also cover university students
• Unauthorised usage covered up to £10,000
• Accidental damage, liquid damage, mechanical breakdown and theft
• Loss covered under the premium policy
• Worldwide cover
• Accessories covered up to £175
• Excesses apply on claims
• Any claims made within the first 30 days have an additional excess
• Must be over 18 to purchase a policy
• Gadgets must be less than 36 months old and you must have proof of purchase
• Rolling contracts available so you can cancel at any point (subject to terms and conditions)

SwitchedOnInsurance

• Family members of any age can be covered
• Can also cover university students
• Low excesses
• Multi-gadget discount
• Standard cover includes up to 60 days worldwide cover
• Accessories covered up to £250
• Accidental damage and liquid damage covered
• Cover for cracked screen included
• Free tracked postage on all gadgets sent to their repairs centre
• Main policyholder must be 18 years old and resident in the UK

This content was last reviewed on 02/09/2024