Shelling out to replace a damaged or stolen phone or laptop is no-one’s idea of fun. Since opportunities for accidental damage are everywhere, gadget insurance can give some peace of mind – especially to the accident prone. But as all policies differ, we’ve highlighted the key features.
Simplesurance offers tailored policies that include cover for cracked screens, liquid damage and operating errors for up to three years. And you can enhance your cover to provide extra protection against theft.
Who is Simplesurance?
Simplesurance offers a range of gadget insurance for newly purchased devices such as mobile phones, tablets, laptops and computers as well as those purchased less than six months before a policy starts.
Its gadget insurance policies can be taken out for 1, 2 or 3 years while Simplesurance also offers warranty extension cover up to 48 months.
Simplesurance operates in the UK and Germany, Austria, France, Italy, the Netherlands, Denmark, Sweden, Poland and Japan.
White Horse Insurance Ireland dac is authorised by the Central Bank of Ireland and subject to limited regulation by the Financial Conduct Authority and Prudential Regulation Authority.
What types of gadget insurance does Simplesurance offer?
Damage protection for mobile electronic devices. Cover for mobile phones, tablets and laptops with adapted policies for certain makes and models including iPhone, Samsung Galaxy, HTC and Huawei.
Damage protection for stationary electronic devices. Cover for computers, TVs, game consoles and hi-fi systems.
Warranty extension for mobile gadgets. Extended cover for mobile gadgets for up to 24, 36 or 48 months.
Warranty extension for stationary electrical equipment. Extended cover for a variety of electronic devices including kitchen appliances such as fridges, freezers, washing machines, dishwashers and coffee machines for up to 24, 36 or 48 months.
This covers all mobile electronic devices (mobile phones, tablets, laptops, cameras)
Cracked screen
Liquid damage
Short-circuit damage
Third party
Operating errors
Fire damage
Theft (optional)
This is for stationary computers
Short-circuit damage
Cracked screen
Liquid damage
Operating errors
Fire damage
Theft (optional)
This covers stationary electronic devices (game consoles, TVs, hi-fi systems)
Short-circuit damage
Cracked screen
Liquid damage
Operating errors
Fire damage
Theft
Check your policy details carefully to ensure you have the right cover for your needs.
What’s not covered?
As with all insurance, there are exclusions. For Simplesurance gadget cover, these include:
Wear and tear
Pre-existing damage
Intentional damage
Manufacturer faults or damage
False or inaccurate information supplied
Fraudulent claims
What is my excess?
An excess is the amount of money you have to contribute when you make a claim. The amount of your excess will vary depending on the original price of the gadget that’s covered.
If more than one excess applies, they will be added together.
There is no excess for Simplesurance stationary electronic devices such as computers, game consoles and hi-fi systems. However an excess will be applied to mobile electronics depending on the original price of a device, as shown in the table.
Purchase price of device
Excess
£0-£500
£30
£501-£1,000
£60
£1,001-£3,000
£90
£3,001-£4,000
£150
£4,001-£5,000
£200
Full details of your policy excess will be in your policy document.
What is the claims process for Simplesurance?
If you need to make a claim, you can do so online via the Simplesurance website by selecting “Make a claim”.
As Simplesurance is web-based, there is currently no way to make a claim via telephone.
It’s vital that you let your insurer know about an incident within seven days of becoming aware of any issue or damage. Failure to do this could result in a rejected claim later on.
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Liz Edwards has been a consumer writer and editor for more than 20 years. She led award-winning teams at the campaigning publisher Which?, and has covered a range of consumer rights and personal finance topics including pensions, credit, banking and insurance. Liz has appeared frequently in national media such as The Sun, Metro, HuffPost and The Independent. She loves to cut through waffle to give consumers the real lowdown. And she loves puns. See full bio
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