The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

Travel Insurance Companies with Optional Gadget Cover

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The average family takes up to £3,000 worth of gadgets with them on holiday, according to CoverForYou. If you want travel insurance with gadget cover, we've assembled a list of ten travel insurance companies that offer optional Gadget cover, to help you find one that might suite your needs. Expect to pay an extra premium from £5.90 for £1,000 of gadget cover for a single trip policy up to £69 or more for £3,000 of gadget cover for an annual, multi-trip travel insurance policy from these companies.

Travel Insurance with Gadget Cover

To better protect your gadgets, you may want to buy a travel insurance plan with £1,000 to £3,000 of optional gadget cover, for which you'll pay an extra premium. While some travel insurance companies include limited gadget protection through the Valuables section of cover, most don't cover mobile phones or tablets. And if they do, the coverage limits are usually restricted to £200 to £300.

Below is a summary table of travel insurance providers that offer optional enhanced gadget cover add ons, with cover levels and price estimates. Hopefully this will help you pick the best gadget travel insurance plan for you that fits within your budget.

Companies with Gadget Cover for Single Trip Travel Insurance

Estimated Gadget Add-on Cost£1,000 of Gadget Cover£2,000 of Gadget Cover£3,000 of Gadget Cover
Insure & Go Travel Insurance Review£5.90£10.70n/a
Travelinsurance.co.uk Travel Insurance Review£5.90£10.70n/a
Insuratrip£10.45£14.09£17.61
Cedar Tree Travel Insurance Review£11.50£14.75£17
Legal & General£12£19£23
MoreThan£12£19£23
RAC£12£19£23
Sainsbury's Bank Travel Insurance Review£12£18£22
Admiral Travel Insurance Review£13.92n/an/a
CoverForYou Travel Insurance Review£14£18.25£22.25

There are two primary factors affecting the cost of gadget travel insurance: the cover limit and whether it's a single trip or an annual, multi-trip policy. For example, £1,000 of add-on gadget cover from Insure & Go costs £5.90 for a single trip or £9.50 for an annual, multi-trip policy. Doubling the cover to £2,000 would raise the price by 80%, costing £10.70 for a single trip or £17.20 for a mulit-trip policy. For reference, the average cost of optional gadget cover for travel insurance is around £13.50 for single trip policies and £24 for multi-trip policies.

Generally speaking, you'll pay 1.4X to 2.7X as much for multi-trip gadget add-on cover as you'd pay for a single trip add on. In the table below you can see estimated costs for optional gadget add ons for annual, multi-trip travel insurance plans. In some cases, like CoverForYou, you'll pay a different amount depending on the geographic coverage area of your travel insurance plan.

Companies with Gadget Cover for Multi-trip Travel Insurance

£1,000 of Gadget Cover£2,000 of Gadget Cover£3,000 of Gadget Cover
Insure & Go Travel Insurance Review£9.50£17.20n/a
Travelinsurance.co.uk Travel Insurance Review£9.50£17.20n/a
Cedar Tree Travel Insurance Review18.50£28.25£37.50
Legal & General£20£33£53
MoreThan£20£33£53
RAC£20£33£43
Sainsbury's Bank Travel Insurance Review£21£36£64
Admiral Travel Insurance Review£49.92n/an/a
Insuratrip£64.45£93.82n/a
CoverForYou Travel Insurance Review£22.25 to £36.75£33.75 to £55.50£45 to £69

For your convenience the plans listed here are all available through our partner, Compare Cover.

Keep in Mind When Choosing a Gadget Limit

Sometimes the level of gadget cover is tied to the underlying travel insurance policy; that is, an insurer's lowest-tier travel insurance plan provides £1,000 of gadget cover, their mid-tier plan provides £2,000 of gadget cover and their top-tier holiday cover plan provides £3,000 of gadget cover. In that case, if you want the full £3,000 of gadget cover you need to buy their top-tier travel insurance plan. Insure & Go Travel Insurance Review, Insuratrip, Legal & General, More Than, RAC and Sainsbury's Bank Travel Insurance Review all operate this way.

With other companies you can buy whatever level of gadget cover you want (typically £1k, £2k or £3k), regardless of the underlying travel insurance plan you choose. That is, you could buy a company's cheapest, lowest-tier travel insurance plan but add on the full £3,000 of gadget cover. This system allows you to better customize coverage to your needs. Companies selling gadget travel insurance in this way include Travelinsurance.co.uk Travel Insurance Review, Cedar Tree Travel Insurance Review and CoverForYou Travel Insurance Review.

Also, when choosing your limit, be aware that gadget cover limits are per policy not per person. If you're a travelling as a family then your coverage limit should reflect the value of all of your gadgets. Also, plans often only reimburse for loss, theft or damage of gadgets if they are relatively new. For example, most plans won't pay out on a claim for a 5-year-old tablet. To learn more on insuring your gadgets when you travel, read our article on Top 5 Tips for Insuring Your Gadgets with Travel Insurance.

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Comments and Questions

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.