What is gadget cover?
Gadget cover (also known as gadget insurance) is a type of insurance that protects electronic devices such as smartphones, laptops, tablets, smartwatches and cameras. It provides financial protection if your gadgets are accidentally damaged, lost or stolen, helping cover the cost of repair or replacement. It's included as standard depending on the policy you choose for your travel insurance, or you can increase/add the cover by purchasing the enhanced gadget cover, for an additional premium.
We've partnered with Hood to give you gadget cover that keeps your devices protected wherever you travel.
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
- A proof of purchase, such as the original printed receipt, or electronic record is required to prove your legal ownership of the gadget in the event of a claim.
Your gadgets will not be covered for liquid damage if you’re participating in water-based activities.
*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 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.
For full details on excess, limits, terms and conditions 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.
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, malicious damage, loss or theft to your device. 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. Please see section gadget cover (including enhanced gadget cover) in the policy wording for further details.
All policies offered via our RAC Travel Insurance website provide you with gadget cover as standard. The amount of cover will vary depending on what cover level you purchase. All benefits are per person, per claim.
However, enhanced gadget cover can only be purchased as an add on 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. Simply select the optional cover you want, and it'll be added to your quote. Please note that an additional fee will apply for any optional covers selected.
No discount applies to 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 customer1.
All RAC Travel Insurance policies cover 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, at an extra cost.
All RAC Travel Insurance policies offer up to £500 for your gadgets when you travel. This can then be boosted by adding our optional enhanced gadget cover, at an extra cost. For example, if you choose the Black level of cover, you'd be covered for up to £3,000.
This benefit covers accidental damage or malicious 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, everyone on your policy will have up to £500 of cover for their electronic devices included as standard.
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, at an extra cost.
Adding enhanced gadget cover will allow you to cover as many gadgets as you can safely carry with you on holiday, at an extra cost. However, there is a maximum policy limit in relation to gadget claims, determined by the level of cover you choose.