Gadget insurance

MP3 players, handheld game consoles, sat navs, digital cameras, laptops, PDAs and portable DVD players are now a part of everyday life. Here’s how to enjoy them with added peace of mind.

Prefer handbag insurance?

You can choose either gadget insurance or handbag insurance – but not both. Handbag insurance covers items such as the bag itself, keys, cash and one gadget that’s in the handbag .

More on handbag insurance

Yes. Log in to register for gadget insurance or call 0845 87 77 111. Minicom users should call 0870 154 1196.

Please have your Advantage Private account number to hand, plus the make, model and serial numbers of the gadgets you want to cover.

Your cover starts 7 days from the day that you register.

Log in to amend existing registered gadget details

You’re only covered for items you have registered, and these must be no more than three years old at the time. The value must be £50 or more including VAT (up to a combined total of £500). You’ll need to have proof of purchase.

Log in to make a claim online or call 0845 87 77 111. Minicom 0870 154 1196.

Please have your Advantage Private account number and gadget details to hand.

Calls may be recorded. Maximum call charge from a BT landline is 4p (0845) or 8p (0870) per minute. Calls from other networks may vary.

Your gadgets are covered against theft or malicious damage, accidental damage, and fault. The way you claim depends on why you are claiming.

1. Notify the police within 24 hours of discovery to obtain an incident reference number.
2. Contact Homecare Insurance Limited, the people we work with to provide your gadget insurance, within 48 hours of discovery to register your claim and obtain a claim form. Log in to go to the online claims page or call 0845 87 77 111.
3. Complete and return the claim form, together with your excess payment, within 30 days.

1. Contact Homecare Insurance Limited, the people we work with to provide your gadget insurance, within 48 hours of discovery to register your claim and obtain a claim form. Log in to go to the online claims page or call 0845 87 77 111.
2. Complete and return the claim form, together with your excess payment, within 30 days.

1. Check if your gadget is still covered by the manufacturer’s warranty. If it isn’t you can claim through your gadget insurance policy.
2. Contact Homecare Insurance Limited, the people we work with to provide your gadget insurance, within 48 hours of discovery to register your claim and obtain a claim form. Log in to go to the online claims page or call 0845 87 77 111.
3. Complete and return the claim form, together with your excess payment, within 30 days.

What happens next?

We’ll assess your claim and let you know the outcome. This usually takes five working days from the date we receive your claim form.

Calls may be recorded. Maximum call charge from a BT landline is 4p (0845) or 8p (0870) per minute. Calls from other networks may vary.

For further information, please read your policy document.

Here are some of the most common questions about Advantage Private gadget insurance. For further information, please see the policy document.

• How do I register my gadgets?
• Do I have to pay an excess?
• Who is Homecare Insurance Limited?
• How long will my claim take to process?
• How many claims can I make against the policy?
• How long will a repair take?
• Can I contact the repair centre myself?
• How do I get my replacement item?
• Can you send my replacement item to a work address?
• Will the replacement item I receive be identical?
• What is a suitable proof of purchase?

Log in to register for gadget insurance or by phone on 0845 87 77 111. Minicom users should call 0870 154 1196. Please have the following to hand: your Advantage Private account number and sort code; make, model and serial number of your gadgets.

Your cover starts 7 days from the day that you register.

Log in to amend your existing registered gadgets

Calls will be charged at a maximum of 4p a minute from a BT line. Calls from non-BT phone lines may vary. Calls may be recorded.

Yes, as with many insurance policies, you will have to pay an excess if your claim is accepted - £25 for the first successful claim, £50 for a second successful claim in any 12 month period.

Homecare Insurance Limited is the provider of your Gadget Insurance policy.

Registered in England No. 2793290. A member of the CPP Group of companies and trading under the CPP trademark.

If you’re claiming for a stolen item, we’ll normally let you know within 48 hours if your claim has been approved. Claims for accidental damage may take a little longer and the item will be repaired if possible.

To avoid unnecessary delays, please make sure you complete the claim form fully and send the required excess, plus any supporting documents.

You can make a maximum of two successful claims in any 12 month period.

Unfortunately we can’t be sure, as it depends on the type of repair.

As part of our customer service, we will contact our repair centre on your behalf and provide you with a progress report.

We’ll send your replacement item to the delivery address you give us on your claim form.

Yes - when you make your claim, you can enter a work address in the alternative delivery address section on the claim form.

In a small number of cases, an identical item may not be available. If so, we’ll send you a replacement of equal or greater specification.

You’ll need a receipt or a dispatch note which shows the make, model and where applicable, the serial number for your gadget.

Keep a record of your gadgets' serial numbers

It’s a good idea to make a note of the serial numbers of your handheld electronic devices so they can be identified and returned to you should they be found.

Think of your gadgets as you would your wallet

Keep your handheld electronic devices with you at all times when you’re out. Don’t leave them unattended, for example, on a café table or bar top. Be aware of your surroundings and never invite risk to either yourself or your belongings.

Mark your handheld electronic device(s)

Write your house number and postcode on your handheld electronic devices with a UV security pen, and the police can return it to you if it is recovered after they have been lost or stolen.

If any lost or stolen equipment is recovered after a claim is approved, it becomes the property of the insurer and you will need to return it to Homecare Insurance Limited immediately.

For full details of your gadget insurance policy download the Advantage Private Insurance Policy Documents (PDF 1.08MB).

You might like to print a copy of your policy and take it with you.

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