Travel Insurance Gadget Cover

Accidental loss, damage, or theft
Unauthorised data usage

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Travel Insurance Gadget Cover

We all like to take our gadgets with us on holiday, whether it’s to capture memories, track our morning runs on the beach, or to curl up in the sun with an e-book. Add our optional Enhanced Gadget cover to your travel insurance policy when you get a quote and you won’t be out of pocket if sand or sea claim your favourite devices!

Up to £1,000 per device for accidental damage, theft, or loss

Select add on for up to £3,000 total gadget cover

Up to £1,000 for unauthorised web data use

Find out more about COVID-19 cover options

All our travel insurance policies offer cover for cancellation, medical treatment, and repatriation due to COVID-19 as standard. Please see the policy wording for full details. You can buy an Enhanced COVID-19 Add On to travel in Europe against FCDO advice (if that advice relates solely to COVID-19^).

Our enhanced gadget cover levels

For an additional premium, you can add enhanced gadget cover to your travel policy. So for example, if you select our Orange level of base cover and choose to add enhanced gadget cover, you will get the Orange level of benefits for your gadgets - £1,000 accidental damage, theft or loss; and £1,000 unauthorised usage cover.

Orange Cover Silver Cover Black Cover
Accidental damage, theft, or loss
Accidental damage, theft or loss
Accidental damage, theft or loss
Unauthorised usage 
Unauthorised usage 
Unauthorised usage 
No excess for unathorised data usage No excess for unathorised data usage No excess for unauthorised data usage or accidental damage, theft, or loss

Please note, the 10% RAC member discount does not apply to this add on.

Frequently Asked Questions

Our 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 are unfortunate enough to lose your device entirely, the cover can help you replace it. As with all our gadget cover if your device is stolen and someone uses it to rack-up a hefty roaming charge bill for web use – don’t worry there is also cover for unauthorised use too*.
Can I buy gadget cover as a standalone travel insurance policy?
No, unfortunately not. Enhanced Gadget cover can only be purchased as an extension to your RAC Travel Insurance policy.
How do I add Enhanced Gadget cover to my travel insurance?
When you get a quote for RAC Travel Insurance you will 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 will be added to your quote.
Will I still get a member/policyholder discount on Enhanced Gadget cover?
There is no discount available on Enhanced Gadget cover, however you can save 10% on your base premium if you are an RAC Breakdown Member or an RAC Car Insurance customer. Just enter your membership or policy number at the time of purchase and we'll automatically apply your discount.
Can I get holiday insurance for my tablet or phone?
On our Black level of cover, RAC Travel Insurance offers up to £1,000 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 our optional Enhanced Gadget Cover.
Will my holiday insurance include gadget cover?

Our standard cover offers between £500 and £1,000 depending on the level you choose. This can then be boosted by adding our optional Enhanced Gadget cover. For example, if you chose our Black level of cover and added our optional Enhanced Gadget cover, you would 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 buy*.
Can I get family gadget insurance?

If you get a family or group insurance quote, all benefits on the policy apply per person. For example, if you select the Black cover level, everyone on your policy will have up to £500 of cover for their electronic devices.

If you then boost your cover with our 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.

Do I need to add gadget cover to my insurance?
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 our Enhanced Gadget cover option.
Will all of my devices be covered with gadget travel insurance?
Adding our 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 that we’d pay out in total, in line with the level of cover you choose.

If you have a query about your policy, would like to renew or make a claim, find all the contact details here


An extensive glossary of all the terms relevant to your RAC Travel Insurance policy

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*The cover(s) referred to here are in subject to the full terms and conditions of the policy wording and the specific level of optional cover chosen by the Insured(s).

^Our Enhanced Covid-19 Cover Add On covers you for travel within Europe even when the FCDO advises against all but essential travel if the advice solely relates to COVID-19. This cover is only available to customers who have taken vaccinations when offered to them.

††Based on UK resident buying a single trip policy to cover 10 days car rental in Europe.

RAC Insurance is a trading name of RAC Financial Services Limited. Registered in England and Wales No. 5171817. Registered office: RAC House, Brockhurst Crescent, Walsall, WS5 4AW. RAC Financial Services is authorised and regulated by the Financial Conduct Authority. Financial Services Register No. 313989. RAC Travel Insurance is administered by Hood Travel Limited 2nd Floor, Dencora Court, Tylers Avenue, Southend on Sea, Essex, SS1 2BB. Registered in England No. 08318836. Hood Travel Limited is authorised and regulated by the Financial Conduct Authority. Financial Services Register No.597211. Hood Travel is an insurance intermediary providing a non-advised service. We act for and on behalf of the insurer. RAC Travel Insurance is underwritten by Great Lakes Insurance UK Limited. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 10 Fenchurch Avenue, London, United Kingdom, EC3M 5BN. Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting:

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