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Assurant gadget insurance
Protect your household gadgets from only £5 a month. You can choose between Assurant Gadget Cover or Assurant Gadget Cover Plus.
Apply at Assurant.co.uk
Features and benefits
You can get these with both types of policies.
Worldwide protection
You're covered worldwide, so your protection includes any country you visit.
Two clear options to choose from
Choose between the Gadget Cover and Gadget Cover Plus policies, based on what suits you best.
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There is no cover for:
- loss
- gadgets bought more than 5 years ago
- gadgets you don’t have proof of ownership for
- if you don’t look after your device (you should take practical steps to keep your gadgets safe from theft and damage)
- incidents that happened before your policy started
- devices covered by manufacturer’s warranty.
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There is no cover for:
- gadgets bought more than 5 years ago
- gadgets you don’t have proof of ownership for
- if you don’t look after your device (you should take practical steps to keep your gadgets safe from theft and damage)
- incidents that happened before your policy started
- devices covered by manufacturer’s warranty.
Let's break it down
Gadget insurance covers devices owned by you or your family members who live with you. It offers protection against theft, accidental damage, and breakdowns.
How it works
- Our third-party supplier, Assurant General Insurance Limited, provides mobile phone insurance with your packaged bank account.
- You can apply to them directly for a gadget insurance policy.
- This cover protects items like smartwatches, laptops, tablets, wireless earphones, and digital cameras, all for one extra monthly fee.
- The Assurant Gadget Cover Plus policy also covers loss.
- These policies don't cover mobile phones or drones.
Who's it for?
You can apply for gadget insurance if you have a Bank of Scotland packaged bank account.
- This includes Silver and Platinum current accounts.
- You must also be a UK resident.
Assurant will check if you can get covered at the point of sale. Your first monthly direct debit must come from your Bank of Scotland packaged bank account.
Make sure to review any existing cover you might hold before deciding to apply.
Apply for gadget insurance
Apply online
Bank of Scotland receive a commission from Assurant for every policy bought or renewed.
This is included in the premium you pay - £5 or £15 a month.
A look at the details
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This includes your partner or spouse, or any other relative who lives at the same address as the policyholder within the UK.
It also includes relatives who are students and who temporarily live away from home during term time.
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- If the gadget is damaged or breaks down, Assurant will either repair or replace it.
- If the gadget is stolen, Assurant will replace it.
- Replacements will come from fully refurbished stock (not brand new).
You need to pay an excess for each device you claim for. You should consider the excess (£100 for laptops and £50 any other gadgets) if you have a basic gadget to judge if the policy meets your needs.
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Yes, a 12-month warranty is provided by Assurant.
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No, you don’t have to register them.
If you do, it will be easier to make a claim if something goes wrong.
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The insurance policy will renew monthly, unless you or the insurer cancel, or you fail to pay the monthly premium.
You can stop the insurance at any time.
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Gadgets are portable electronic devices with their own power source. Such as smart watches, laptops, tablets, wireless earphones and digital cameras.
They need to support multimedia apps or downloading multimedia content. This might be running apps from an app store, taking pictures, playing music or videos, or using GPS.
Items that need to be continuously plugged into another electrical appliance or the mains electrical supply to work are not covered.
For example:
- televisions
- monitors
- satellite
- cable TV receivers
- games consoles (Xbox, PlayStation etc.)
- wireless routers.
If you are unsure contact Assurant for more information.
Should you need to claim, there's a £100 excess on laptops and £50 for all other gadgets (for each claimed device).
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This insurance offers cover if a gadget is stolen, accidentally damaged or breaks down, including if its faulty. There's also cover for loss if you choose Assurant Gadget Cover Plus.
This insurance does not provide cover for gadgets that you bought over 5 years ago.
If you need to claim, there's a £100 excess on laptops and £50 for all other gadgets (for each claimed device).
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If you already have insurance that offers the same or similar benefits as this gadget insurance, remember:
- you won’t be able to make the same claim twice
- you’ll pay more than you need to
- your existing policy may have different exclusions or levels of cover.
For example, in the event of loss, theft or damage to baggage during a trip, valuables are covered up to £500 for any single item under the packaged bank account travel insurance policy. Also check any home insurance policy you may have.
We're sharing information to help you decide if Assurant Gadget Insurance is right for you. We're not providing advice.
Packaged bank accounts
We want to make sure you know about our packaged bank account options. Here are some that might suit you.
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Device trade in
Recycle your old devices with Assurant and they’ll pay cash into your account.
Bank accounts help
We're here to help you get the most out of your bank account.
Switch to us
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