Travel Insurance Gadget Cover

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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

Up to £3,000 total gadget cover

Up to £1,000 for unauthorised web data use

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Or phone us for a quote on 0330 159 0412

Lines open Monday to Friday, 09:00-17:00, Saturday 09:00-17:00 and closed Sundays.


Due to the government's coronavirus travel restrictions, the earliest start date for new single trip policies will be the 17th May 2021 onwards. For customers purchasing an annual multi trip policy, there is no cover for travel prior to the 17th May 2021 unless non-essential International travel is permitted before this date.

Please check the latest Foreign, Commonwealth & Development Office (FCDO) advice before travelling. Our Travel Insurance policies do not cover travel undertaken to an area where the FCDO advise against all or all but essential travel. Our policy coverages have changed since the COVID-19 outbreak, please always check your policy schedule and terms and conditions.

Our 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 less; and £1,000 unauthorised usage cover.

Orange Cover Silver Cover Black Cover
£1,000
Accidental damage, theft or loss
(Max of £500 per item)
£2,000
Accidental damage, theft or loss
(Max of £750 per item)
£3,000
Accidental damage, theft or loss
(Max of 1,000 per item)
£1,000
Unauthorised usage 
£1,000
Unauthorised usage 
£1,000
Unauthorised usage 
 

There is no excess to pay for unauthorised usage on all levels of cover. In addition, there is no excess to pay for accidental damage, theft or loss on our Black cover level.


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 £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 our optional Enhanced Gadget Cover.
Will my holiday insurance include gadget cover?

Our standard cover offers between £250 and £500 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 to a maximum of £1,000 per electronic device.

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 restriction on how much we’d cover per device and a maximum that we’d pay out in total, in line with the level of cover you choose.
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 restriction on how much we’d cover per device and 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

  

If you have a query regarding RAC Travel Insurance, read our frequently asked questions

  

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

  
We also cover

Travel insurance with Covid-19 cover from RAC, choose from single trip or annual multi trip insurance. Get your holiday insurance quote today to find out how much you could save.

We’ve got three levels of annual cover available with varying benefits, so you’ll be able to find the right cover to suit you

  

RAC Travel Insurance will make sure that you have cover for the whole family when you go away

  

We want you to be able to relax on your holiday, so we offer medical Travel Insurance to help you should you need it

  

Whether you’re travelling just once, or taking to the slopes several times throughout the year, we’ll ensure that you’re covered

  

Protect yourself from unexpected costs when hiring a car. Daily cover from the equivalent of £2.99††

  

*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).

††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 52/54 Alexandra Street, Southend on Sea, Essex, SS1 1BJ. 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 SE, a German insurance company with its headquarters at Königinstrasse 107, 80802 Munich. UK Branch office: 10 Fenchurch Avenue, London, EC3M 5BN, company number SE000083. Great Lakes Insurance SE, UK Branch, is authorised and regulated by Bundesanstalt für Finanzdienstleistungsaufsicht. Deemed authorised by the Prudential Regulation Authority. Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details of the Temporary Permissions Regime, which allows EEA-based firms to operate in the UK for a limited period while seeking full authorisation, are available on the Financial Conduct Authority’s website.

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