Gadget Insurance

Gadget insurance much like all insurance is in place to protect you from financial loss. Gadget insurance is designed to cover the cost of repairing or replacing your gadget if they are lost, stolen or damaged.

Our general exclusions for our policies mean that we will not pay for the following:

• any claim where the gadget has not been registered and therefore is not listed in your Schedule of Insurance.
• any claim where the policy was purchased whilst you or the gadget(s) were not in the United Kingdom.
• any claim for a gadget where your insurance premiums are in arrears and you do not settle the outstanding balance.
• any claim where you have failed to take reasonable precautions to prevent damage, theft or loss. This will include, but not limited to:
  • using your gadget in accordance with the manufacturer’s instructions;
  • if left unattended in a vehicle or premises, you are to ensure that the gadget is out of sight and that all locks and security devices are actioned;
  • not handing your gadget to a person who is not known to you or a third party, other than your immediate family.
• any claim where the IMEI/Serial number cannot be determined from your gadget.
• any claim where proof of usage cannot be provided or evidenced (applicable only where the gadget is a mobile phone or in respect of a laptop/tablet where user history is available).
• any claim where the excess has not been paid to the Claims Administrator.
• any kind of damage whatsoever unless the damaged gadget is provided for repair.
• any breakdown of the device if the fault would not have been covered under the manufacturer’s warranty.
• any claim solely for components of your gadget that would be considered a consumable e.g. batteries
• any breakdown resulting from a repair to your device carried out by a repairer that has not been authorised by the manufacturer or the Claims Administrator.
• any unauthorised usage unless associated with a valid theft or loss
• any claim for a gadget which was more than 36 months old at the time of the initial purchase of the policy.
• any accidental damage, theft or loss to any accessories that were not bought with and attached to your gadget at the time of the incident occurring and subject to the limit of liability in respect of any claim for accessories.
• any repairs or other costs for repairs carried out by anyone not authorised by us.
• any claim where there is evidence that the damage, theft or loss occurred prior to inception of the policy.
• any claim for a gadget that does not meet the “Criteria” as listed within the definition of gadget.
• loss, damage, destruction, distortion, erasure, corruption or alteration of electronic data from any computer virus or similar mechanism or as a result of any failure of the Internet, or loss of use, reduction in functionality, cost, expense of whatsoever nature resulting there from, regardless of any other cause or event contributing concurrently or in any other sequence to the loss.
• any claim for malicious damage which was caused by you or your immediate family.
• the VAT element of any claim if you are registered for VAT.
• any damage, theft or loss to SIM or memory cards in isolation (unless it accompanies a valid claim for your gadget).
• cosmetic damage to the gadget or accessories that has no effect on the functionality of the gadget or accessories, to include marring, scratching and denting.
• any modifications that have been made from the original specifications of the gadget. This would include things like adding gems, precious metals or unlocking your gadget from a network
• any claim where you knowingly leave your gadget somewhere where you can’t see it, but others can and it is at risk of being lost, stolen or damaged. For example – in a restaurant or a pub where you go to the toilet or bar leaving your gadget on a table instead of taking it with you.
• loss of any software or firmware failures.
• any loss, damage, liability or expense directly or indirectly caused by or contributed to, or arising from, the use or operation (Cyber Attack), as a means for inflicting harm, of any system, software programme malicious code, Virus or process or any other electronic system.
• any claim resulting from war, invasion, acts of foreign enemies, hostilities (whether war be declared or not), civil war, rebellion, revolution, insurrection, military or usurped power, riot or civil commotion, terrorist activity of any kind.
• any claim resulting from ionising radiation or contamination by radioactivity from any nuclear fuel or from any nuclear waste from the combustion of nuclear fuel.
• any loss, theft or accidental damage of the gadget left as checked-in baggage.
• any loss, theft or accidental damage to the gadget as a result of the confiscation of detention by customs, other officials or authorities.
• any expense incurred as a result of not being able to use the gadget, or any loss other than the repair or replacement costs of the gadget.
• any claim for damage, theft or loss caused by deception.
• Any claim for worldwide cover if your trip has been for a period of more than 45 Days (Nova), 60 Days (Luna) or 90 days (Stellar) or if the claim occurs as a direct result of you travelling to a country where the Foreign and Commonwealth Office (FCO) have advised against all (but essential) travel. Please check the FCO travel advice line at fco.gov.uk or contact 020 7008 1500.

Theft exclusions

We will not pay any claim:

• unless a Police crime report is provided in support of the theft. Lost property reports will not be accepted in support of the theft
• where the gadget has been stolen from any motor vehicle, unless the vehicle is locked, and all protections are in operation (including those to prevent unauthorised keyless entry to the vehicle) and the gadget(s) is concealed out of sight so that forced and violent entry into the vehicle is required. Evidence of the thief’s damage to the vehicle must be provided with your claim;
• where the gadget has been stolen from any premises unless force, resulting in damage to the premises, was used to gain entry or exit. A copy of the repairer’s account, or alternatively a signed letter from the accommodation provider detailing such damage, must be supplied with any claim;

We can only insure gadget(s) that are:

1. purchased new or refurbished from a UK VAT registered company, or the equivalent tax registration if purchased overseas, and supplied with a proof of purchase.
2. purchased second hand or gifted to you, provided that you have the original proof of purchase (which corresponds to note 1 above) and a signed letter from the original owner confirming that you own the gadget(s). The signed letter must include the following details of your gadget(s):
   1. either the IMEI or serial number (whichever is applicable);
   2. the make and model;
   3. the sale price of the gadget (if purchased second hand);
   4. confirmation that the gadget(s) were in good condition and full working order at the time of sale.
3. registered and appear on your Schedule of Insurance.
4. no more than 36 months old at the time of purchasing insurance for the gadget(s),

Please note: The gadget must be in good condition and in full working order at the time of initial purchase of the policy or at the time of adding or replacing a gadget on your policy.

We can provide cover for the following gadgets:

• Mobile Phones
• iPhones
• Laptops
• Desktops
• Digital cameras
• Camera lenses
• Bluetooth headsets
• PC monitors
• MP3 players
• iPads
• Tablets
• Apple Watch or other wearable technology
• Video cameras
• E-reader
• CD or DVD players
• Games Console
• Go Pro Camera
• Headphones
• Health & Fitness Gadgets
• Sat Nav
• VR Headset
• Wireless Speakers

In order to insure and get cover for your gadgets, they must be in good condition and full working order at the time of purchasing the policy. If there is evidence that the gadget was damaged, lost or stolen prior to the policy inception date, this will result in your claim being refused.

Our policies include cover for the following:

Accessories – that are damaged, stolen or lost at the same time as your gadget, up to a maximum of £250 including VAT

Accidental damage – Repair or replacement if your gadget is damaged as the result of accidental damage, providing the gadget is returned to us

Breakdown – Repair or replacement, if the gadget if outside the manufacturer’s warranty, providing the gadget is returned to us

E-Wallet Protection – if your gadget is lost or stolen, we will refund the cost of unauthorised transactions made from your credit/debit card via your gadget using an e-Wallet facility after it was lost/stolen up to a maximum of £500 including VAT, within 24 hours of discovering the loss of the gadget

Loss of your gadget – we will replace it (in respect of a valid loss claim)

Malicious damage – Repair or replacement

Worldwide cover – covers gadgets for use in the United Kingdom. Cover is extended to include use of gadgets worldwide. Any repairs needed will be carried out in the UK. Insurance will not be valid if you purchase your policy whilst you are outside the UK. 

Theft – we will replace it (in respect of a valid loss claim)

Unauthorised usage – if your gadget has been stolen, we will refund the unauthorised usage up to a maximum of £2,500 including VAT.

If like many of us, you have multiple gadgets within your household, a multi gadget insurance policy might be the most cost-effective option for protecting your gadgets. You can add additional gadgets to your policy with a range of bundles available of up to 10 gadgets. 

There are a number of measures you can take to help protect your gadgets.

Like many of us, we have experienced the heartache of dropping your gadget device. To help against those moments you can simply purchase a protective case to add additional support in case of an accidental drop.

As a best practice, it is advised that you keep a record of your mobile phone IMEI number which is unique to your handset. You can obtain your IMEI number by typing *#06# into your handset’s keypad.

We also recommend adding a pin code or password to all of your devices to ensure your personal information remains private should your gadget device end up in the wrong hands.

There are also a variety of tracker applications which could enable your device to be found. Please always contact the police and let them retrieve the device, never take the law into your own hands!

For all gadget devices, keep a note of your serial number and keep hold of your proof of purchase receipt.

You can make a claim online 24/7, 365 days a year via our claims portal. You will need your policy number, and any additional information needed for your specific claim i.e. blacklisting, or police report for the lost or stolen device, before you make your claim. Details of which information you will need can be found in your policy documentation.

As soon as you have purchased your policy, your cover is in place.

Each gadget must be less than 36 months old from the date it was purchased as new (this is the date on the original purchase receipt).

Once you cover a gadget with us however you can continue to insure that gadget by renewing your policy each year.

So even if you are currently insured with another provider, or are at the point of your annual renewal, as long as the device is less than 36 months old you can still purchase a TapTap Gadget Insurance gadget or family bundle policy.

If you need to speak to a member of our Customer Service team, you can contact them on 0330 020 0122 or email us directly at gadget.sales@taptapgadget.com

If you need to speak to a member of our claims team, you can contact them on 0330 020 0122 and select 1 to report a new claim or discuss an existing claim.