Cover for your personal gadgets
Give your personal tech the gadget insurance protection it deserves
Personal gadgets have become such a part of everyday life that we take them for granted. Then there’s a problem and we have to get by without them. It’s so annoying to have your phone stolen and find that you have no back-up plan!
Some insurers offer gadget insurance, which gives cover for gadget items only. However, personal gadgets can be protected under your home contents cover – policies often include cover for the loss or theft of personal items, including personal gadgets, as standard. You could save money by checking what cover you have for high risk items in your home insurance contents policy. Then you’ll be able to work out what extra protection you need.
For example, gadget travel insurance might seem a good idea if you’re jetting away for a short break, or a family member is off travelling for a month or two. Not many people know that gadget cover can be arranged as part of a home insurance Personal Belongings option. Just let your insurer know when you’re going and for how long.
What can Halifax home insurance contents policies provide cover for?
We class these items as ‘high risk’ because they are costly and easy to carry away:
- mobile phones
- tablets and laptops
- video and audio equipment
All are covered for theft under Halifax home contents insurance while they are in your home.
Halifax offers two tiers of home insurance. Both tiers offer a minimum £10,000 worth of high risk items cover as standard but if you need a higher amount then the Home Insurance tier allows you to select high risk items cover up to a total of £30,000. Home Insurance Ultimate allows you to select high risk items cover up to a total of £50,000.
- Peace of mind knowing that your gadgets are covered for theft while in your home.
- Protect your gadgets away from the home with our Personal Belongings cover option.
- Accidental damage cover is standard for Home Insurance Ultimate, optional for Home Insurance tier.
What to do if your phone is stolen
- Tell your network provider straight away so they can block it. If you don’t you might have to pay for any calls made.
- Ask your network provider for your phone's identification number (IMEI).
- As soon as you can you should report the theft – including your phone’s IMEI – to your local police station. You may be able to do this online.
- Make a note of the crime reference number – you’ll need this if you want to claim on insurance.
Halifax Home Insurance and Halifax Home Insurance Ultimate are underwritten by Lloyds Bank General Insurance Limited.
Limits, terms and exclusions apply, see our policy documents for full details.
Halifax is a division of Bank of Scotland plc. Registered in Scotland No. SC327000. Registered Office: The Mound, Edinburgh EH1 1YZ. Bank of Scotland plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 169628.