Gadget Insurance your questions answered
What is a Gadget?
A gadget is an electronic piece of equipment designed by the manufacturer to be portable with its own internal power source which can be used in or away from the home.
What are Portable Gaming Machines?
Portable gaming machines are GameBoy, Nintendo, DS Lite and PSP etc. They are portable electronic equipment which are manufactured with their own internal power source.
Are items such as X box, Wii, Playstations etc classed as gadgets?
Unfortunately as these items are not designed by the manufacturer to be portable with their own internal power source they would not be classed as gadgets
What gadgets does i:protect Gadget Insure?
i:protect Gadget provides insurance for Blackberry's, Bluetooth Headsets, Camcorders, Cameras, Handheld TV's, Laptops, Mobile Phones, MP3/Ipod's, Palmtop's, PDA's, Personal CD/Mini Disc Player's, Portable DAB Radio's, Portable DVD players, Portable Media Centres (MP4), Portable Radio/Cassette Player's and Satellite Navigation Equipment just in case they are stolen, you accidentally damage them or they breakdown.
Why should I insure my Gadgets?
We often take the gadgets that we use on a daily basis for granted and it's only when something happens to them that we realise just how valuable they are to us. i:protect Gadget insurance can be used to ensure that if the worst should happen your gadgets are covered against being stolen, accidental damage and breakdown.
Aren't my gadgets covered under my Home Insurance Policy?
If your Home Insurance policy includes ‘Personal Belongings insurance away from the home' or ‘All Risks Cover' you should check whether it covers them. Normally items under ‘Personal Belongings' or ‘All Risks Cover' will only be covered for theft or accidental damage but not for breakdown and an excess on a Home Insurance policy is often higher than the excess on your i:protect Gadget insurance.
Aren't my gadgets covered by my Travel Insurance Policy?
If you selected cover for personal effects and valuables you will be covered under your Travel Insurance on holiday but it will not provide you with cover for everyday usage in the UK in the same way that an i:protect Gadget insurance can.
What does my i:protect Gadget Policy cover?
Accidental Damage - if your gadget is damaged as a result of an accident during the policy period we will repair it. If it is not possible or economically viable to repair your gadget then we will cover the cost of replacing the gadget
Theft - if your gadget is stolen during the policy period we will reimburse the cost of replacing it. Where only part or parts of your gadget have been stolen, we will only pay for the replacement of that part or parts.
Electrical and Mechanical Breakdown - at the expiry of any manufacturer's guarantee we will cover any repair costs if your gadget breaks down, up to the original price you paid for it. If your gadget proves impossible or uneconomical to repair, we will replace it.
If the gadget cannot be replaced with an identical item, we will reimburse the cost of replacing it with one of comparable specification at our discretion up to but not exceeding the price paid for the gadget or the policy limit, whichever is the lower amount. If no alternative is available, we will reimburse you the cost of replacing the gadget or the policy limit, whichever is the lower amount.
As well as being covered anywhere in the United Kingdom, Channel Islands and the Isle of Man you are covered should you travel anywhere in the world up to a maximum of 90 days in total.
Please refer to the Policy Wording for full cover, benefits, limits and exclusions.
Would my i:protect Gadget insurance cover me if I was to lose my gadgets??
Unfortunately i:protect Gadget insurance does not cover lost or mislaid items. Cover is for theft, accidental damage and breakdown only (Full details of your cover can be found in the Policy Wording).
What are the main exclusions of my i:protect Gadget insurance?
The first £20 of each and every claim will need to be covered by you. You also need to keep us updated because any gadget not registered and shown on the policy schedule will not be covered. Likewise any gadget that is more than 36 months of age at the date of registration will not be eligible for i:protect Gadget insurance..
i:protect Gadget insurance will not cover you for any claim where the incident date is within the first 14 days of registering your insured gadgets.
Finally if your gadget is stolen then you must report the incident to the police within 24 hours to be eligible to claim.
Full exclusion details can be found in the Policy Wording.
Will a claim be paid in full?
You will need to pay the first £20 of each claim under your i:protect Gadget insurance.
In the event of a replacement, if the gadget cannot be replaced with an identical item, we will reimburse the cost of replacing it with one of comparable specification at our discretion up to but not exceeding the price paid for the gadget or the policy limit, whichever is the lower amount. If no alternative is available, we will reimburse you the cost of replacing the gadget or the policy limit, whichever is the lower amount.
Please refer to the Policy Wording for full cover, benefits, limits and exclusions.
Whose gadgets can I insure under my i:protect Gadget Policy?
The insured person named on the policy schedule and owner of the gadget(s).
Can I insure second hand gadget(s)?
This insurance only covers gadget(s) purchased as new. Second hand items are not eligible for cover.
Do I need to provide a receipt in the event of a claim?
In the event of an incident you will be asked to provide the original receipt for the purchase of your gadget for which you are claiming.
If you do not possess or were never issued with a receipt for your gadget (as they were provided free as part of a contract, e.g. mobile phone), you will need to provide evidence of the original order and/or contract under which the gadget was supplied.
What if my gadget was provided free as part of a contract, e.g. my Mobile Phone?
If your gadget was provided to you as part of a contract, and you part paid or the cost of the gadget was free to you, you will be required to provide the current retail price of the gadget from the internet or high street retailer. Evidence of this may be required in the event of an incident.
What if I do not know the purchase price of my gadget as it was provided free as part of a contract, e.g. Mobile Phone?
If your gadget was provided to you as part of a contract, and you part paid or the cost of the gadget was free to you, you will be required to provide the current retail price of the gadget from the internet or high street retailer to be able to apply for the policy. Evidence of this may be required in the event of an incident.
Can I cover any gadget that I own?
You can insure any gadget you wish to under your i:protect Gadget insurance provided it is on the drop down list and it is less than 36 months old at the date of registration, subject to the following limits:-
- Up to 3 Gadgets valued at £500 in total
- Up to 5 Gadgets valued at £1,000 in total
What should I do if I replace one of my gadgets?
You should contact us so that we can update your policy. We can be contacted in one of the following ways:
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By telephone: |
01962 892094 |
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By email: |
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By post: |
i:customer, Jewry House, Jewry Street, Winchester, SO23 8RZ |
What if I decide later I want to insure 5 items rather than 3?
You should contact us so that we can update your policy. We can be contacted in one of the following ways:
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By telephone: |
01962 892094 |
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By email: |
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By post: |
i:customer, Jewry House, Jewry Street, Winchester, SO23 8RZ |
How do I make a claim under my i:protect Gadget insurance?
In the event of a claim, you must:
- Report a theft to the police within 24 hours of discovery and if the gadget is a mobile phone you must report this to your airtime provider to stop calls being made.
- Contact Allianz Schemes in one of the following ways:
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By telephone: |
Call Allianz Schemes on 0844 893 9499 |
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By email: |
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By post: |
Customer Services, Allianz Insurance plc, Great Western House (GW2), Great West Road, Brentford, Middlesex, TW8 9DX |
Do I have to complete a claim form?
Not for accidental damage or breakdown claims as these will be dealt with over the telephone, but a form does need to be completed for theft claims.
How can I cancel my i:protect Gadget insurance?
You can cancel your policy at any time:-
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By telephone: |
01962 892094 |
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By email: |
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By post: |
i:customer, Jewry House, Jewry Street, Winchester, SO23 8RZ |
If you cancel within the first 14 days after you receive your documents you will receive a refund of any premium paid.
Who is the Insurer for the i:protect Gadget insurance?
Policies are underwritten by Allianz Insurance plc, registered in England number 84638. Registered office: 57 Ladymead, Guildford, Surrey GU1 1DB, United Kingdom. Branch address: Allianz Schemes, Allianz House, 6 Vale Avenue, Tunbridge Wells, Kent TN1 1EH United Kingdom. Allianz Insurance plc is authorised and regulated by the Financial Services Authority (FSA). Their authorisation can be confirmed by the FSA by calling 0845 606 1234 or this can be checked by visiting the FSA website at www.fsa.gov.uk. Their FSA registration number is 121849.