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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.

Frequently asked questions

Can you insure old gadgets?

Yes. We provide cover for any gadgets regardless of their age.

If your gadget is second-hand and/or refurbished we can cover it. We’ll ask for certain paperwork, such as receipts and warranties. You can find out more in your policy documents.

Do you need proof of purchase to claim on gadget cover?

Yes, you will need proof of purchase when claiming on both new and second-hand gadgets with this add-on.

What counts as cosmetic damage?

We don’t cover cosmetic damage to gadgets, which includes things like a scratch to your phone screen that doesn’t affect the way the phone works.

Is gadget cover part of my Home Insurance?

Not with our standard Bronze, Silver or Gold Home Insurance policies. But you can choose to add our gadget insurance add-on to these policies.

Are my gadgets covered when I am out and about?

Yes, with this add-on, your gadgets are covered outside the home. Your gadgets will also be covered inside the home by your standard Bronze, Silver and Gold Contents Insurance.

Are gadget accessories covered with gadget cover?

Yes, your accessories - such as headphones and chargers - are covered with this gadget insurance add-on.

Not yet covered by John Lewis?

Insure your home and valuables today by calling us on 0345 608 9001 or getting a quote online.
Calls may be recorded or monitored, and call charges will vary.


For a higher level of cover, we also offer Specialist Home Insurance for unique homes and high-value contents.

Choose other optional add-ons

With our Bronze, Silver or Gold Home Insurance policies, you can change your add-ons to suit your new circumstances at any time, without admin fees or hidden charges.

Personal cyber cover

Get help with computer problems like restoring your home systems or removing viruses. We'll also help you if you fall victim to online fraud.

Bicycle cover

Add up to £15,000 of cover for your bikes while at home or out and about (up to a maximum of £5,000 per bike). We cover against loss, damage or theft.

Accidental damage to buildings

Extend your policy to protect against accidental damage to your home’s construction, including drains and pipes.

Home emergency cover

In the event of a home emergency, we'll arrange for a tradesperson to make things safe with a temporary repair.

Legal issues cover

Get access to a 24-hour helpline and up to £100,000 of cover for legal costs to help with legal problems covered in your policy, including employment, contract and property disputes.

Personal possessions cover

Cover for your possessions when you take them away from home or on holiday, anywhere in the world.

Student cover

Up to £5,000 of contents cover for your family while they're studying and living away from your home.

Accidental damage to contents

Whether it's red wine on a white carpet or a broken glass coffee table, you're covered.

John Lewis Money, John Lewis Finance, John Lewis Insurance and John Lewis & Partners are all trading names of John Lewis plc.

Munich Re Digital Partners - our Bronze / Silver / Gold insurance cover
John Lewis plc is an appointed representative (firm reference number: 416011) of Munich Re Digital Partners Limited, which is authorised and regulated by the Financial Conduct Authority to carry out insurance distribution activities (firm reference number: 804106). Registered office: 1 Fen Court, London EC3M 5BN. Registered in England and Wales (company number 10207490).

John Lewis Home Insurance is underwritten by Great Lakes Insurance UK Limited (company number: 13436330). Registered office: 1 Fen Court, London EC3M 5BN. Registered in England and Wales. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference number: 955859).

Covéa Insurance - our Specialist Home Insurance cover
John Lewis plc is an appointed representative (firm reference number: 416011) of Covea Insurance plc, which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (firm reference number: 202277).

John Lewis Specialist Home Insurance is underwritten by Covéa Insurance plc (company number: 613259). Registered office: A&B Mills, Dean Clough, Halifax, HX3 5AX. Registered in England and Wales.