Gadget cover

Shape your cover

Our travel policy already includes up to £750 for accidental or malicious damage, loss or theft but if it's not enough, you can add more. The Gadget Extension covers up to £3,000 for accidental or malicious damage, loss or theft.

A gadget can be any of the following items:

Mobile Phones, Smart Phones, Laptops (including custom built), Tablets, Digital Cameras, Games Consoles, Video Cameras, Camera Lenses, Bluetooth Headsets, Bluetooth Speakers, Satellite Navigation Devices, E-Readers, Head/ Ear Phones, Smart Watches or a wrist worn Health and Fitness Tracker.

What's covered?

The cover limits shown within this section are dependent on the level of cover chosen, please see the benefits table below for more information. 

What is not covered?

• Any claim where you knowingly leave your gadget somewhere unattended and it is at risk of being lost, stolen or damaged
• Theft from any motor vehicle or building, unless all protections are in operation (including those to prevent unauthorised keyless entry to vehicles) and the gadget(s) is concealed out of sight
• Any loss, theft or accidental damage where the gadget has been left as checked-in baggage
• Any claim where you have failed to take reasonable precautions, including handing your gadget to a person who is not known to you or a third party
• Malicious damage which was caused by you or your immediate family
• Cosmetic damage, including scratching and denting.

If you take out our optional gadget cover and need to make a claim, it's quick and easy using the online claims service, please see details.

Benefits by cover level¹

Benefit		Rias silver travel insurance	Rias gold travel insurance	Rias platinum travel insurance
Defaqto Star rating
Gadget cover
Accidental or malicious damage, loss or theft		£500	£500	£750
Gadget cover extension
Accidental or malicious damage, loss or theft		£1,000	£2,000	£3,000

^{1 Cover limits on the table show the most that can be claimed and apply to each insured trip separately.}