Insurance with gadget cover

Discussion in 'Travelling & Holidays' started by Access, Sep 9, 2017.

  1. Access

    Access
    Active Member

    Joined:
    May 23, 2013
    Messages:
    954
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    31
    Ratings:
    +97
    Hi everyone, I'm off to LA on the 15th and I'm just looking at sorting out my travel insurance. The problem im having is finding cover that includes decent gadget cover, or even any at all.

    The main items I want covered are my iphone 6S Plus, a Fujifilm X100T camera and a Nikon D3300, and my iPad mini. I'd guess around about £2000 to £2500 of cover would be about right to replace these items, if I were to lose them all.

    Can anyone recommend a company they have used before, ideally if only want one policy that could cover the general stuff and the gadgets, but if it's better to get two different policies I'd be open to this also.

    Any help is greatly appreciated.
     
  2. gg13533

    gg13533
    Active Member

    Joined:
    Mar 18, 2005
    Messages:
    687
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    66
    Ratings:
    +416
    Are they not covered on your home insurance on away from home cover?
     
  3. Access

    Access
    Active Member

    Joined:
    May 23, 2013
    Messages:
    954
    Products Owned:
    0
    Products Wanted:
    0
    Trophy Points:
    31
    Ratings:
    +97
    Hmm, I'm not sure... think I'd rather keep them separate though, just in case I did need to make a claim as I wouldn't want it causing my home insurance to go up.
     
  4. Astaroth

    Astaroth
    Well-known Member

    Joined:
    Jun 22, 2004
    Messages:
    3,653
    Products Owned:
    2
    Products Wanted:
    1
    Trophy Points:
    133
    Location:
    London
    Ratings:
    +883
    Even if your travel insurance did provide cover the vast majority, if not all, work on a co-insurance basis and therefore depending on the terms of your Home insurance they would seek to involve your Home insurers anyway for any article thats covered by both policies.

    Generally speaking property cover on travel insurance is token at best as its 80% about medical expenses and 19% about cancellation/curtailment. As has already been suggested, your generally going to get better/more comprehensive cover from the "personal possessions"/ "all risks" of your Home insurance
     

Share This Page

Loading...
  1. This site uses cookies to help personalise content, tailor your experience and to keep you logged in if you register.
    By continuing to use this site, you are consenting to our use of cookies.
    Dismiss Notice