Good, Cheap gadget insurance

[SpareRoomSleeper]

Does anyone have it?

Its worth having right?

I have a brand new laptop and iphone, and a very inquisitive toddler, so I reckon its worth it.

Does anyone know any good, cheap insurers for gadgets?

Is it not covered under your household contents insurance??

Oh. I dont know.

You have an allowance, you're usually covered for things up to 1k (check the policy). My policy only went up by £1 a month when I added accidental damage to it.

Checked, we have contents insurance upto £3000, but no accidental cover. How strange!

Contents will just be for fire/theft/flood etc. Accidental damage is for when a shelf falls off the wall and smashes the hand blown glasses, the top of the cooker and breaks a pile of plates. It's very useful!

Yes, I will definitely be needing it and getting it! Thanks Belle.

Worth checking too that when they say accidental damage that it also includes water damage.

I think most home insurance should cover that but I know some of the dedicated gadget insurer's exclude this and bury it in the small print.

Do you mean 3,000 for contents insurance ?

I thought they expect something higher than that (unless your furnishings, beds, music system, TVs, computers, games systems, come to a total under 3,000).

Oh forgot the family heirlooms, like a big grandfather clock, or wide bookcase with an inscription on it, or even a nice thick glass dining table and modern chairs...

I just think that's a bit low - felt sure it was a minimum of 12,500 on one old policy (must hunt for last years to see if there is any proposal to change the new one, and do a bit of shopping around).