Gadget Cover

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From smartphones and smart watches to iPads and from laptops to tablets - protect your essential gadgets against mishaps with our comprehensive and affordable Gadget Cover. 

  • Instant cover if your gadget is less than 60 days old
  • Accidental, liquid damage and breakdown covered as standard
  • Choose Elite cover for protection against loss and theft
  • 5* Defaqto rated insurance
  • Worldwide cover
  • This policy is arranged by CoverCloud, a trading name of Acumen Insurance Services Limited
  • What is it?

    In a nutshell, Gadget Cover is an affordable and easy way to protect your essential devices against mishaps. It covers a wide range of items including smartphones, laptops, tablets, digital cameras, e-readers as well as sat-navs, headphones, smartwatches and even games consoles. In today’s world, most of us will admit to feeling dependent on our phones and gadgets, they’re designed to make our lives easier after all, but they usually don’t come cheap. For instance, today’s high-tech smartphones carry a hefty price tag - newer models can cost around £700 when bought outright and even as much as £1,000 for the latest iPhones. So it’s worth considering getting some protection in the event of breakage or loss.

    Flexible Cover

    There are two levels of gadget cover to choose from:

    • Standard cover offers protection for accidental and malicious damage (including liquid damage), breakdowns, cracked screens and unauthorised calls. Insurers will usually pay the cost of repairs or, where that’s not possible or applicable, provide you with a replacement.

    • Elite cover will additionally protect your items against loss and theft.

    Both will cover you worldwide, all year round.

    There is also a choice of excess; the higher the excess you choose, the cheaper the premium will be. This is not a “new for old” policy - your gadget will be repaired if possible, or replaced with a like for like refurbished model.

    What is covered:

    ✓ Accidental Damage - the cost of repairs if your gadget is damaged as the result of an accident. If your gadget is not repairable then you will be provided with a replacement gadget.

    ✓ Breakdown - repair costs if your gadget suffers an electrical or mechanical breakdown occurring outside of the manufacturers guarantee period. If your gadget is not repairable, you will be provided with a replacement.

    ✓ Cracked Screens - the cost of repairs if the screen of your smartphone is damaged as the result of an accident or a replacement if your gadget is not repairable.

    ✓ Liquid Damage – cost of repairs if your gadget is damaged by liquid as the result of an accident or a replacement if your gadget is not repairable.

    ✓ Theft (Elite Cover) - if your gadget is stolen, you will be provided with a replacement gadget or parts where only parts of your gadget have been stolen.

    ✓ Accidental Loss(Elite Cover) – you will receive a replacement gadget.

    ✓ Unauthorised Calls - the cost of unauthorised calls and data (if your mobile/smart phone is lost or stolen) that were made after the phone was lost or stolen, up to a maximum of £10,000

    ✓ Overseas Cover – this gadget insurance policy provides year-round, worldwide cover.

    ✓ Accessories - any accessories that were accidentally lost, stolen or accidentally damaged at the same time as your gadget up to a maximum value of £150.

    What is not covered:

    Loss of data or software.

    You deliberately damaging, intentionally leaving or neglecting the gadget, servicing, inspection, maintenance or cleaning

    cosmetic damage of any kind, including scratches, dents and other visible defects that do not affect safety or performance

    Loss of or damage to accessories that were not attached to your gadget at the time of the incident

    Theft where the gadget has been left unattended when it is away from your home and no evidence of forced entry is provided.

    The loss of the gadget(s) where the circumstances of the accidental loss cannot be clearly identified.

    Repair or other costs for routine servicing, inspection, maintenance or cleaning, wear and tear or gradual deterioration of performance, if the serial number has been tampered with in any way, or repairs carried out by persons not authorised by us.

    Any claim for fraudulent call use if your claim is not accepted (if your mobile/smart phone is lost or stolen) or an itemised bill detailing the charges is not provided.
    This is summary, for a full explanation of the terms and conditions, please read the policy documents carefully.

    Please note: The insured gadget should be in good and working condition when the policy is purchased and less than 1 year old. The gadget(s) must be purchased from the UK, USA or Ireland as new, or if refurbished, purchased from the UK only with a full 12-month warranty (this does not apply to a policy renewal). You must be able to provide evidence of ownership when it is requested (original purchase receipt or phone contract showing IMEI No).

    This insurance policy is arranged and administered by Acumen Insurance Services Ltd with Bastion Insurance Services Ltd and underwritten by Inter Partner Assistance SA UK Branch (IPA) which is fully owned by the AXA Partners Group.

  • Why might I need it?

    The first place to start is to ask yourself these questions:

    • Are you accident-prone? Have you been known to break, drop or altogether lose your phone or laptop?

    • Do you have an expensive, high-end phone that’s locked into a long-term contract?

    • Could you afford to replace the handset if you lost it or had it stolen?

    • Do you rely on your phone so much that you’d need an instant replacement?

    If you’ve mostly answered ‘yes’ to the above – you might want to consider taking out gadget cover.

    We live in an increasingly connected world which hinges on ever-more-sophisticated technology. Unfortunately, these devices come at a price, especially the most recent models, and many providers also insist you’re locked into a fairly long-term contract. If you can’t find your phone, or accidentally drop it in the bath, you’ll still have to keep up payments while also worrying about whether you can afford to buy a replacement.

    Even if you’re careful with your devices, you can’t keep them wrapped in cotton wool. According to Mintel, 24% of smartphone owners in the UK have broken their screen in the past two years. The stats are even higher if you’re in the 16-24-year age bracket, where it doubles to 48%¹.

    Accidentally dropping or stepping on your gadget isn’t cheap. The cost of replacing a cracked screen varies depending on the make and model but can easily exceed £100. Repairs through the manufacturer are often much higher, for example Samsung Galaxy 8 screen repair will cost £209² (price correct as at 24th August 2020). But even if you pride yourself on the fact you’re not accident prone, no one’s immune from pickpockets – according to police.uk, mobile phones are still the most commonly stolen item in a robbery³.

    What about my home contents insurance?

    Good question. According to a survey by Which?, 69% of respondents have no idea whether their gadgets are protected by home insurance⁴

    In reality, you’ll probably have some cover, for example if your laptop is stolen during a burglary, but this might not extend to accidents or theft away from home (unless you specifically ticked that option when you signed up for the policy), or unauthorised calls. Check your policy documents thoroughly to find out what is and isn’t included.

    Other things worth considering are whether the payouts will be adequate – and if the excess you’ll have to pay is as low as a dedicated gadget policy. It’s also worth bearing in mind that if you do make a claim, you’ll probably see a subsequent hike in your home contents premiums when you renew. Keeping your home and gadget policies separate gets around this.

     

    ¹ https://www.mintel.com/press-centre/technology-press-centre/smashing-times-24-of-uk-

    ² smartphone-owners-have-broken-their-screen-in-the-past-two-years

    ³ https://www.samsung.com/uk/support/mobile-devices/how-much-will-it-cost-to-repair-my-phone-screen/

    ⁴ https://www.which.co.uk/news/2018/07/is-your-home-insurance-leaving-your-digital-assets-at-risk/

  • Which gadgets are covered?

    Gadgets include: Mobile Phones, Smartphones, iPhones, iPads, Tablets, Cameras, Go Pros, Games consoles and E-book readers, Smartwatches and Laptops.

  • What is covered by a CoverCloud gadget insurance policy?

    • Accidental Damage

    • Breakdown

    • Cracked Screens

    • Liquid Damage

    • Theft - If you have chosen the Elite level of cover

    • Loss - If you have chosen the Elite level of cover.

    • Unauthorised Calls

    • Overseas Cover

    • Accessories

  • What is Multi-Gadget Insurance?

    Multi-Gadget Insurance is a great way to insure all your gadgets on a single policy. By adding multiple devices onto the same policy when initially arranging cover, a multi-gadget discount will be automatically applied to your premium.

  • When does cover begin?

    Immediate cover is available for any gadget under 60 days old. A 14-day exclusion period applies for all other gadgets over 60 days old at time of policy purchase.

  • Can I insure a phone for other family members?

    Yes, cover is available for your mother, father, son, daughter, spouse or domestic partner who resides with you at your Home. Policies can only be issued to persons over 18 years of age.

  • My Gadget was a gift, can I insure it?

    If your Gadget was gifted by an immediate family member who lives permanently with you, the standard till receipt or proof of purchase will suffice. If your Gadget was gifted to you by a someone who does not live with you, such as a grandparent, you would need an original gift receipt.

  • Can I choose when my cover starts?

    Yes, you can choose your cover to start on the day you purchase the policy or any subsequent day within 28 days. However, you will not be able to make a claim within the first 14 days of the start date of the policy if your gadget is over 60 days old at time of policy purchase.

  • Are my gadgets covered overseas?

    Year-round overseas cover is provided as standard with CoverCloud.

  • I purchased my device some time ago, can I insure it?

    Your gadget must have been purchased by you within the last twelve months and been sold to you as brand new or refurbished with a minimum 12-month warranty. If you are renewing an existing CoverCloud policy, there is no age limit on your gadget.

  • Are my accessories covered?

    Cover for accessories is provided up to the value of £150 in total. Accessories include:

    iPhone/Smartphone/ Smartwatches accessories: chargers/docks, adapters, smart batteries, power banks, protective cases, headphones/earpods, Bluetooth speakers, memory cards, security lock adapter, selfie-stick, cyclist mounts, tripods/stands, camera lens, and hands-free mounts. Please note that wireless and Bluetooth headphones are not accessories and will need to be insured separately.

    iPads/Tablets: All the above and: pencils, pencil tips, pencil case, stylus, wireless keyboard and mouse, remote, trackpads, USB sticks.

    Laptops/Notebooks: All the above and: Power cables, bags or carry case, cooling pads and fans.

    If your accessory cost £150 or more and you wish it to be covered by your policy then suitable insurance must be purchased for it. You will receive a discount if you purchase insurance for multiple gadgets on the same policy.

  • How will I receive my policy documents after purchasing a policy?

    Your policy documents will be emailed to you immediately after you've completed your purchase. The documents are in PDF format and can be opened with the Acrobat Reader which can be downloaded here

  • How do I pay for the policy?

    This is an annual policy that can be paid monthly or annually. If you pay by lump sum annually then you will have paid for the full annual premium at point of sale. If you pay monthly, your debit or credit will be automatically debited on a monthly basis. 

    The security of your payment information is very important. Your credit or debit card information is collected on a secure HTTPS web page using SSL. CoverCloud have chosen credit card processing partners that are fully PCI-DSS compliant, which means they meet all industry standards for cardholder security. Your credit card number or your security code (CVV code) are never stored. CoverCloud only store a payment "token" (an order number generated by the card processing partner), which allows them to charge your card automatically or to look up your payment transaction without having your card details.

  • Can I renew my policy?

    Yes, you will be contacted up to 30 days before the annual renewal date of your policy and informed if there are any changes to your premium.

  • What happens if I change my gadget(s) or home address?

    You can notify CoverCloud changes via the website contact form, via your online account or by email to admin@covercloud.co.uk.

  • How can I change my payment details?

    If you would like to change your payment method or other details please contact CoverCloud via the website contact form, via your online account or by email to admin@covercloud.co.uk.

  • How can I cancel my insurance?

    You may cancel your insurance policy within 14 days of purchase without penalty and you will be provided a full refund provided you have not made a claim. After 14 days, you may cancel the policy at any time and receive a pro rata refund less an administration fee of £15 provided you have not made a claim. If you pay monthly and have claimed, you can cancel your policy once the full annual premium has been paid. You can cancel your insurance, by giving notice of cancellation by email, website contact form quoting your surname, post code and policy number.

  • How do I make a claim?

    Claims are made online through your online account. Before you can start a claim on your policy, you must first upload a proof of purchase or receipt for the insured device. Please go to the Claims page for full details on how to make a claim.

  • Do I need to supply a receipt if I make a claim?

    Yes, in the event of a claim you will need to provide the original receipt/delivery note for the purchase of your gadget for which you are claiming. It is recommended that you upload these documents to your secure online file as soon as possible to speed up any future claims process.

  • Is there an excess to pay?

    Yes, an excess is your contribution in the event of a successful claim.

  • How many claims can I make in a year?

    There is no limit to the number of claims you can make.

  • Is my repaired or replaced gadget protected by a warranty?

    Yes, all repairs and replacements come with a warranty of between 3 and 12 months.

  • How can I report theft or malicious damage to the police?

    You should either contact your local police station or the police station local to where the incident happened within 48 hours of discovery. If the incident happens in another country, then the police station local to where the incident happened in that country.

  • Do I need to report any theft or loss of my phone to my network provider?

    Yes. In the event your phone is lost or stolen, you will need to call your network provider and have them blacklist your device.

  • Does my home insurance policy cover my gadgets?

    Items under 'Personal Belongings' or 'All Risks Cover' may only be covered for theft or accidental damage but not for breakdown. Claiming on your home insurance is likely to result in your premiums increasing in future years and the excess on a home insurance policy can be higher than the excess on CoverCloud gadget insurance.

  • How can I make a complaint?

    If you wish to lodge a complaint against any aspect of our service in respect of the sale of your policy please contact CoverCloud via the website contact form or by email to admin@covercloud.co.u

    Complaints regarding claims should be directed to the claims handler using any of the methods below:

    Email: gadgetcomplaints@davies-group.com

    Tel: 0345 074 4788

  • Who is my insurance with?

    This insurance is arranged and administered by Acumen Insurance Services Ltd with Bastion Insurance Services Ltd and underwritten by Inter Partner Assistance SA UK Branch (IPA). Inter Partner Assistance SA is a Belgian firm, which is fully owned by the AXA Partners Group and authorised by the National Bank of Belgium and subject to limited regulation by the Financial Conduct Authority. CoverCloud is a trading name of Acumen Insurance Services Ltd who is an Appointed Representative of Maintenance Assist Ltd. Maintenance Assist Ltd and Bastion Insurance Services Ltd are authorised and regulated by the Financial Conduct Authority. This can be checked on the FCA register at www.fca.org.uk/register.

What is it?

In a nutshell, Gadget Cover is an affordable and easy way to protect your essential devices against mishaps. It covers a wide range of items including smartphones, laptops, tablets, digital cameras, e-readers as well as sat-navs, headphones, smartwatches and even games consoles. In today’s world, most of us will admit to feeling dependent on our phones and gadgets, they’re designed to make our lives easier after all, but they usually don’t come cheap. For instance, today’s high-tech smartphones carry a hefty price tag - newer models can cost around £700 when bought outright and even as much as £1,000 for the latest iPhones. So it’s worth considering getting some protection in the event of breakage or loss.

Flexible Cover

There are two levels of gadget cover to choose from:

• Standard cover offers protection for accidental and malicious damage (including liquid damage), breakdowns, cracked screens and unauthorised calls. Insurers will usually pay the cost of repairs or, where that’s not possible or applicable, provide you with a replacement.

• Elite cover will additionally protect your items against loss and theft.

Both will cover you worldwide, all year round.

There is also a choice of excess; the higher the excess you choose, the cheaper the premium will be. This is not a “new for old” policy - your gadget will be repaired if possible, or replaced with a like for like refurbished model.

What is covered:

✓ Accidental Damage - the cost of repairs if your gadget is damaged as the result of an accident. If your gadget is not repairable then you will be provided with a replacement gadget.

✓ Breakdown - repair costs if your gadget suffers an electrical or mechanical breakdown occurring outside of the manufacturers guarantee period. If your gadget is not repairable, you will be provided with a replacement.

✓ Cracked Screens - the cost of repairs if the screen of your smartphone is damaged as the result of an accident or a replacement if your gadget is not repairable.

✓ Liquid Damage – cost of repairs if your gadget is damaged by liquid as the result of an accident or a replacement if your gadget is not repairable.

✓ Theft (Elite Cover) - if your gadget is stolen, you will be provided with a replacement gadget or parts where only parts of your gadget have been stolen.

✓ Accidental Loss(Elite Cover) – you will receive a replacement gadget.

✓ Unauthorised Calls - the cost of unauthorised calls and data (if your mobile/smart phone is lost or stolen) that were made after the phone was lost or stolen, up to a maximum of £10,000

✓ Overseas Cover – this gadget insurance policy provides year-round, worldwide cover.

✓ Accessories - any accessories that were accidentally lost, stolen or accidentally damaged at the same time as your gadget up to a maximum value of £150.

What is not covered:

Loss of data or software.

You deliberately damaging, intentionally leaving or neglecting the gadget, servicing, inspection, maintenance or cleaning

cosmetic damage of any kind, including scratches, dents and other visible defects that do not affect safety or performance

Loss of or damage to accessories that were not attached to your gadget at the time of the incident

Theft where the gadget has been left unattended when it is away from your home and no evidence of forced entry is provided.

The loss of the gadget(s) where the circumstances of the accidental loss cannot be clearly identified.

Repair or other costs for routine servicing, inspection, maintenance or cleaning, wear and tear or gradual deterioration of performance, if the serial number has been tampered with in any way, or repairs carried out by persons not authorised by us.

Any claim for fraudulent call use if your claim is not accepted (if your mobile/smart phone is lost or stolen) or an itemised bill detailing the charges is not provided.
This is summary, for a full explanation of the terms and conditions, please read the policy documents carefully.

Please note: The insured gadget should be in good and working condition when the policy is purchased and less than 1 year old. The gadget(s) must be purchased from the UK, USA or Ireland as new, or if refurbished, purchased from the UK only with a full 12-month warranty (this does not apply to a policy renewal). You must be able to provide evidence of ownership when it is requested (original purchase receipt or phone contract showing IMEI No).

This insurance policy is arranged and administered by Acumen Insurance Services Ltd with Bastion Insurance Services Ltd and underwritten by Inter Partner Assistance SA UK Branch (IPA) which is fully owned by the AXA Partners Group.

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Why might I need it?

The first place to start is to ask yourself these questions:

• Are you accident-prone? Have you been known to break, drop or altogether lose your phone or laptop?

• Do you have an expensive, high-end phone that’s locked into a long-term contract?

• Could you afford to replace the handset if you lost it or had it stolen?

• Do you rely on your phone so much that you’d need an instant replacement?

If you’ve mostly answered ‘yes’ to the above – you might want to consider taking out gadget cover.

We live in an increasingly connected world which hinges on ever-more-sophisticated technology. Unfortunately, these devices come at a price, especially the most recent models, and many providers also insist you’re locked into a fairly long-term contract. If you can’t find your phone, or accidentally drop it in the bath, you’ll still have to keep up payments while also worrying about whether you can afford to buy a replacement.

Even if you’re careful with your devices, you can’t keep them wrapped in cotton wool. According to Mintel, 24% of smartphone owners in the UK have broken their screen in the past two years. The stats are even higher if you’re in the 16-24-year age bracket, where it doubles to 48%¹.

Accidentally dropping or stepping on your gadget isn’t cheap. The cost of replacing a cracked screen varies depending on the make and model but can easily exceed £100. Repairs through the manufacturer are often much higher, for example Samsung Galaxy 8 screen repair will cost £209² (price correct as at 24th August 2020). But even if you pride yourself on the fact you’re not accident prone, no one’s immune from pickpockets – according to police.uk, mobile phones are still the most commonly stolen item in a robbery³.

What about my home contents insurance?

Good question. According to a survey by Which?, 69% of respondents have no idea whether their gadgets are protected by home insurance⁴

In reality, you’ll probably have some cover, for example if your laptop is stolen during a burglary, but this might not extend to accidents or theft away from home (unless you specifically ticked that option when you signed up for the policy), or unauthorised calls. Check your policy documents thoroughly to find out what is and isn’t included.

Other things worth considering are whether the payouts will be adequate – and if the excess you’ll have to pay is as low as a dedicated gadget policy. It’s also worth bearing in mind that if you do make a claim, you’ll probably see a subsequent hike in your home contents premiums when you renew. Keeping your home and gadget policies separate gets around this.

 

¹ https://www.mintel.com/press-centre/technology-press-centre/smashing-times-24-of-uk-

² smartphone-owners-have-broken-their-screen-in-the-past-two-years

³ https://www.samsung.com/uk/support/mobile-devices/how-much-will-it-cost-to-repair-my-phone-screen/

⁴ https://www.which.co.uk/news/2018/07/is-your-home-insurance-leaving-your-digital-assets-at-risk/

FAQ
Which gadgets are covered?

Gadgets include: Mobile Phones, Smartphones, iPhones, iPads, Tablets, Cameras, Go Pros, Games consoles and E-book readers, Smartwatches and Laptops.

What is covered by a CoverCloud gadget insurance policy?

• Accidental Damage

• Breakdown

• Cracked Screens

• Liquid Damage

• Theft - If you have chosen the Elite level of cover

• Loss - If you have chosen the Elite level of cover.

• Unauthorised Calls

• Overseas Cover

• Accessories

What is Multi-Gadget Insurance?

Multi-Gadget Insurance is a great way to insure all your gadgets on a single policy. By adding multiple devices onto the same policy when initially arranging cover, a multi-gadget discount will be automatically applied to your premium.

When does cover begin?

Immediate cover is available for any gadget under 60 days old. A 14-day exclusion period applies for all other gadgets over 60 days old at time of policy purchase.

Can I insure a phone for other family members?

Yes, cover is available for your mother, father, son, daughter, spouse or domestic partner who resides with you at your Home. Policies can only be issued to persons over 18 years of age.

My Gadget was a gift, can I insure it?

If your Gadget was gifted by an immediate family member who lives permanently with you, the standard till receipt or proof of purchase will suffice. If your Gadget was gifted to you by a someone who does not live with you, such as a grandparent, you would need an original gift receipt.

Can I choose when my cover starts?

Yes, you can choose your cover to start on the day you purchase the policy or any subsequent day within 28 days. However, you will not be able to make a claim within the first 14 days of the start date of the policy if your gadget is over 60 days old at time of policy purchase.

Are my gadgets covered overseas?

Year-round overseas cover is provided as standard with CoverCloud.

I purchased my device some time ago, can I insure it?

Your gadget must have been purchased by you within the last twelve months and been sold to you as brand new or refurbished with a minimum 12-month warranty. If you are renewing an existing CoverCloud policy, there is no age limit on your gadget.

Are my accessories covered?

Cover for accessories is provided up to the value of £150 in total. Accessories include:

iPhone/Smartphone/ Smartwatches accessories: chargers/docks, adapters, smart batteries, power banks, protective cases, headphones/earpods, Bluetooth speakers, memory cards, security lock adapter, selfie-stick, cyclist mounts, tripods/stands, camera lens, and hands-free mounts. Please note that wireless and Bluetooth headphones are not accessories and will need to be insured separately.

iPads/Tablets: All the above and: pencils, pencil tips, pencil case, stylus, wireless keyboard and mouse, remote, trackpads, USB sticks.

Laptops/Notebooks: All the above and: Power cables, bags or carry case, cooling pads and fans.

If your accessory cost £150 or more and you wish it to be covered by your policy then suitable insurance must be purchased for it. You will receive a discount if you purchase insurance for multiple gadgets on the same policy.

How will I receive my policy documents after purchasing a policy?

Your policy documents will be emailed to you immediately after you've completed your purchase. The documents are in PDF format and can be opened with the Acrobat Reader which can be downloaded here

How do I pay for the policy?

This is an annual policy that can be paid monthly or annually. If you pay by lump sum annually then you will have paid for the full annual premium at point of sale. If you pay monthly, your debit or credit will be automatically debited on a monthly basis. 

The security of your payment information is very important. Your credit or debit card information is collected on a secure HTTPS web page using SSL. CoverCloud have chosen credit card processing partners that are fully PCI-DSS compliant, which means they meet all industry standards for cardholder security. Your credit card number or your security code (CVV code) are never stored. CoverCloud only store a payment "token" (an order number generated by the card processing partner), which allows them to charge your card automatically or to look up your payment transaction without having your card details.

Can I renew my policy?

Yes, you will be contacted up to 30 days before the annual renewal date of your policy and informed if there are any changes to your premium.

What happens if I change my gadget(s) or home address?

You can notify CoverCloud changes via the website contact form, via your online account or by email to admin@covercloud.co.uk.

How can I change my payment details?

If you would like to change your payment method or other details please contact CoverCloud via the website contact form, via your online account or by email to admin@covercloud.co.uk.

How can I cancel my insurance?

You may cancel your insurance policy within 14 days of purchase without penalty and you will be provided a full refund provided you have not made a claim. After 14 days, you may cancel the policy at any time and receive a pro rata refund less an administration fee of £15 provided you have not made a claim. If you pay monthly and have claimed, you can cancel your policy once the full annual premium has been paid. You can cancel your insurance, by giving notice of cancellation by email, website contact form quoting your surname, post code and policy number.

How do I make a claim?

Claims are made online through your online account. Before you can start a claim on your policy, you must first upload a proof of purchase or receipt for the insured device. Please go to the Claims page for full details on how to make a claim.

Do I need to supply a receipt if I make a claim?

Yes, in the event of a claim you will need to provide the original receipt/delivery note for the purchase of your gadget for which you are claiming. It is recommended that you upload these documents to your secure online file as soon as possible to speed up any future claims process.

Is there an excess to pay?

Yes, an excess is your contribution in the event of a successful claim.

How many claims can I make in a year?

There is no limit to the number of claims you can make.

Is my repaired or replaced gadget protected by a warranty?

Yes, all repairs and replacements come with a warranty of between 3 and 12 months.

How can I report theft or malicious damage to the police?

You should either contact your local police station or the police station local to where the incident happened within 48 hours of discovery. If the incident happens in another country, then the police station local to where the incident happened in that country.

Do I need to report any theft or loss of my phone to my network provider?

Yes. In the event your phone is lost or stolen, you will need to call your network provider and have them blacklist your device.

Does my home insurance policy cover my gadgets?

Items under 'Personal Belongings' or 'All Risks Cover' may only be covered for theft or accidental damage but not for breakdown. Claiming on your home insurance is likely to result in your premiums increasing in future years and the excess on a home insurance policy can be higher than the excess on CoverCloud gadget insurance.

How can I make a complaint?

If you wish to lodge a complaint against any aspect of our service in respect of the sale of your policy please contact CoverCloud via the website contact form or by email to admin@covercloud.co.u

Complaints regarding claims should be directed to the claims handler using any of the methods below:

Email: gadgetcomplaints@davies-group.com

Tel: 0345 074 4788

Who is my insurance with?

This insurance is arranged and administered by Acumen Insurance Services Ltd with Bastion Insurance Services Ltd and underwritten by Inter Partner Assistance SA UK Branch (IPA). Inter Partner Assistance SA is a Belgian firm, which is fully owned by the AXA Partners Group and authorised by the National Bank of Belgium and subject to limited regulation by the Financial Conduct Authority. CoverCloud is a trading name of Acumen Insurance Services Ltd who is an Appointed Representative of Maintenance Assist Ltd. Maintenance Assist Ltd and Bastion Insurance Services Ltd are authorised and regulated by the Financial Conduct Authority. This can be checked on the FCA register at www.fca.org.uk/register.