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.
We class these items as ‘high risk’ because they are costly and easy to carry away:
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.
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.
Compare our two levels of cover side by side when you get a quote.
Or call for a quote on 0800 085 6844.
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