Gadget Cover

Bronze, Silver and Gold John Lewis Home Insurance is brought to you through our Home Insurance provider, Munich Re Digital Partners Ltd.

Our multi-gadget cover is an add-on to your John Lewis Home Insurance. Your whole family is covered, including your children’s gadgets.

This is an optional add-on to our Bronze, Silver or Gold Home Insurance policies, and the benefits include:

• Up to £2,500 cover per named gadget, and up to £10,000 total gadget cover.

• Your gadgets are covered anywhere in the world.

• Add or remove cover at any time so if things change halfway through the policy, it’s no problem.

• No admin fees – it's completely free to make changes at any time, but your premium may go up.

• Fair, transparent pricing – you only pay for the extra options you choose.

Do you need gadget cover?

When you add up how many gadgets you have at home and how much it would cost to replace them, you may find gadget cover is a good idea.

As gadgets aren’t always covered on standard home insurance policies, gadget cover could be something you would need to add on to your policy.

With our gadget cover add-on, you’re covered for most everyday scenarios including:

• Dropping your smartphone down the toilet.

• Cracking the screen of your tablet.

• A child knocking a drink over your laptop.

• Losing a gadget or having it stolen.

Many gadgets come with a product warranty, but check what’s covered as some warranties do not extend to accidental damage or theft. In this scenario, a gadget cover add-on could be beneficial.

What is covered with gadget cover?

We cover loss, theft and damage to your gadgets - including liquid damage.

• Unspecified gadgets worth up to £200

• Specified named gadgets worth £201 - £2,500

• Total cover up to £10,000 for multiple gadgets

If things change, and you buy a new gadget for example, simply give us a call on 0345 608 9001 and we will add it on. Calls may be recorded or monitored, and call charges may vary.

Taking your gadgets abroad

With this add-on, you and your family’s gadgets are covered on holiday abroad for up to 60 days.

What counts as a gadget?

Our gadget cover add-on covers the following gadgets:

• Laptops

• Smartphones and mobile phones

• Tablets

• Digital cameras and camera lenses

• Video cameras

• Sat navs and GPS devices

• E-readers

• Headphones and earphones

• Portable audio equipment/speakers

• Portable games consoles

• Smartwatches

• Accessories for all gadgets listed above

To claim, you need to provide proof of purchase and to be able to tell us where or when the gadget (and/or accessory) was stolen, lost or damaged.

If your mobile phone is stolen, we cover the cost of any calls, texts and downloads made within the first 24 hours. There are more details in your policy documents.

What is not covered with gadget cover?

This gadget cover add-on doesn’t cover:

• Drones

• Wear and tear

• Cosmetic damage

• Any reconnection costs or subscription fees

• Personalised ringtones or graphics

• Downloaded material or software

It’s also worth checking if you have additional cover for a gadget. If you have a standalone policy you bought with your laptop or smartphone, for example, we won’t cover that gadget.

Find out more in your policy documents.

Top tips to keep your gadgets safe

1. Use SmartWater to identify your gadgets

Mark all your gadgets with SmartWater or similar tagging techniques. These tend to put thieves off and also make it easier to get your gadgets back if they are stolen or lost.

2. Keep your gadgets safe when you’re not at home

Keep your gadgets locked away when you're not at home, and keep them out of sight and not in front of the window.

3. Keep your gadgets close when you're out

Keep a close eye on your phone, tablet or laptop when you're out and about. We recommend you keep gadgets in your eye line and within reach of your person.

4. Protect your smartphone from accidental damage

Always use a good quality phone case and screen protector for your smartphone and tablet to help prevent screen damage.