What is gadget cover?
Gadget cover protects your devices when you’re away from home. It might be included in your travel insurance, or you can add it as an optional extra. This cover usually protects items like laptops, phones, and cameras. It helps cover the cost of repairs or replacements if they’re lost, damaged, or stolen while you travel.
We’ve partnered with Hood so you can add optional Enhanced Gadget cover to your quote, ensuring you're not left out-of-pocket if sand or sea damages your favourite devices.
Up to £1,000 per device for accidental damage, theft, or loss
Up to £3,000 total gadget cover
Cover for as many gadgets as you need
Enhanced gadget cover levels
All RAC policies cover up to £500 of gadget cover as standard. For an additional cost, you can add enhanced gadget cover to your travel policy. So for example, if you select the Orange level of base cover and choose to add enhanced gadget cover, you’ll get the Orange level of benefits for your gadgets (£1,000 accidental damage, theft or loss).
Orange cover
Silver cover
Black cover
Please note, the 25% RAC member discount does not apply to this add on.
What’s covered?
Here are some of the gadgets that can be covered:
- Mobile phones
- Laptops (including custom built)
- Tablets
- Digital cameras
- Headphones
- Smart watches
For the full list, please refer to your policy wording.
What’s covered?
Here are some of the gadgets that can be covered:
- Mobile phones
- Laptops (including custom built)
- Tablets
- Digital cameras
- Headphones
- Smart watches
For the full list, please refer to your policy wording.
Tips for travelling with gadgets
When you're travelling, a few simple precautions can help keep your gadgets safe:
- Use screen protectors and covers to help prevent scratches and damage.
- Back up your data regularly. While insurance can help replace a lost or stolen device, you can’t recover your photos or files.
- Lock your gadgets in the hotel safe whenever you’re heading out.
- Don’t leave devices unattended, for example if you’re at the beach. If they’re stolen whilst left out, your insurance may not cover it.
What’s not covered?
There are some instances where RAC Travel Insurance won’t cover you:
- Cosmetic damage that doesn’t stop the gadget from working properly (for example, scratching).
- If you lose your gadget and don’t report it to the local authorities within 24 hours.
- Any claim where you can’t provide the proof of purchase.
- If there’s evidence the damage, theft or loss happened before the trip started.
What’s not covered?
There are some instances where RAC Travel Insurance won’t cover you:
- Cosmetic damage that doesn’t stop the gadget from working properly (for example, scratching).
- If you lose your gadget and don’t report it to the local authorities within 24 hours.
- Any claim where you can’t provide the proof of purchase.
- If there’s evidence the damage, theft or loss happened before the trip started.
We have also partnered with Hood to offer
Frequently Asked Questions
The optional Enhanced Gadget cover offers an increased amount of cover for accidental damage to your device be it by sand or sea. There is also an enhanced amount of cover for theft or loss, so if you're unfortunate enough to lose your device entirely, the cover can help you replace it. Liquid damage or loss is not provided if you're taking part in water-based activities, such as swimming, diving, boat rides or jet skiing. You should check the policy wording for further details of exclusions.
No, unfortunately not. Enhanced Gadget cover can only be purchased as an extension to your RAC Travel Insurance policy.
When you get a quote for RAC Travel Insurance you'll have the opportunity to add further optional covers to your policy, such as Enhanced Gadget cover, Winter Sports cover, and so on. You simply need to select the cover you want, and it'll be added to your quote.
There is no discount available on Enhanced Gadget cover, however you can save 25% on your base RAC Travel Insurance price if you're an RAC Breakdown Member or an RAC Car Insurance customer.
RAC Travel Insurance core cover offers up to £500 as standard for things like iPads, Kindles, e-readers, iPhones or other Smartphones, music players, Sat Navs, Fitness trackers, and so on. If this isn’t enough to insure the devices that you want to take on holiday with you, you can boost your cover for gadgets with optional Enhanced Gadget Cover.
RAC Travel Insurance core cover offers up to £500. This can then be boosted by adding our optional Enhanced Gadget cover. For example, if you choose the Black level of cover, you'd be covered for up to £3,000.
This benefit covers accidental damage, theft or loss, but the standard policy terms and conditions still apply, so make sure you’re familiar with them before you buy2.
If you get a family or group insurance quote, all benefits on the policy apply per person. With RAC Travel Insurance core cover alone, everyone on your policy will have up to £500 of cover for their electronic devices.
If you then boost your cover with Enhanced Gadget cover, each member of your holiday will have up to £3,000 each to cover them for the gadgets and devices they want to take on holiday with them, depending on the level they’ve selected.
It depends on what you intend to take with you on holiday. RAC Travel Insurance includes some gadget cover as standard. If this isn’t enough, you can choose to boost this with the Enhanced Gadget cover option.
Adding Enhanced Gadget cover will allow you to cover as many gadgets as you can safely carry with you on holiday. However, there is a maximum policy limit in relation to gadget claims, determined by the level of cover you choose.