What is gadget insurance?
Gadget insurance is a type of policy that offers protection for multiple devices, like smartphones, laptops and tablets. It covers the cost of repairing or replacing your gadgets if they are damaged or stolen.
what items are covered by gadget insurance?
The mains itens covered by gadget insurance are:
- Mobile phone
- iPad or tablet
- MP3 player
- Games console
- Kindle or e-book reader
- Smart watch, e.g. Fitbit
- Sat Nav
How does gadget insurance work in Ireland?
You can buy gadget insurance to cover one item, like your smartphone, or you can get a policy that covers all of your portable devices. Most policies have a single item limit, which means they will not pay more than this for one gadget, for example €1,680.
Some gadget insurance policies come with additional benefits, such as all gadgets that are couriered directly to your home. You can also get an extended warranty which is an insurance policy that covers the cost of repairing or replacing your gadget, even after your manufacturer's warranty has run out. This will cover mechanical breakdown but not loss, theft or cosmetic damage, such as cracked screens.
Most gadget insurers let you personalise your policy by adding the cover that best suits your need, this can include: theft, loss, mechanical breakdown, accidental damage, liquid damage and worldwide travel which allows you to be covered outside of Ireland for 60 days each year. Some cover may cost extra, so log onto InsuranceDeals.ie to compare quotes and obtain the cover you need for the cheapest price.
How do I get the cheapest gadget insurance in Ireland?
There's no universally cheaper gadget insurance and coverage costs and plan parameters vary widely. However there are options for finding an affordable policy that won't leave you struggling financially. The best companies are the providers who offer sufficient cover at a price you can afford.
Some insurers offer a discount for paying your premium in full up front. You could also get a discount for insuring more than one gadget on the same policy. For example, a 10% discount for two gadgets. Bear in mind, however, that the cheapest policy is not always the one that ultimately offers the best value for money.
Before signing up a new deal, it is advisable that you search all of the cover options that gadget insurance offers, so that you can purchase an insurance policy that really suits your needs; this way, you can be confident that if something happens to your equipment, you are fully protected with comprehensive cover through a company that provides efficient customer service.
Make a smart decision today. Log on to InsuranceDeals.ie. to compare the quotes and find the company and the policy that's right for you. We have partnered with leading insurance providers in Ireland to better serve you. We are here to help you find the insurer that offers the best cover to match your needs at competitive prices.
What are the gadget insurance providers in Ireland?
What is the best gadget insurance provider in Ireland?
The best insurer is one that matches your needs. You need to choose the one that meets your specific demands regarding cover, benefits, service, underwriting, claims, add ons and price.
In other words, the best company is one that in addition to the basic guarantees, offers you the option to include additional services and cover and one that fulfills the role of providing financial protection (refund) and assistance for you in the event of a claim.
To find the insurer that offers the best cover to match your demands at competitive prices - log on to our website - InsuranceDeals.ie. We gather information on all insurers and insurance products available in the market. We have also partnered with leading insurance providers in Ireland. Get the best travel insurance policies and save money by changing today!
What is the best gadget insurance package in Ireland?
There's no universally best gadget insurance package. However a good way to find the right deal for you is to serch our website - InsuranceDeals.ie - and check out what cover, services and facilities are available to you.
It is important to remember that before signing any agreement you need to make sure that the policy you choose really covers all of your needs. It is extremely important for you to be confident that in the event of a claim you will be covered by your plan.
To get the right deal for you, you need to inform the insurer of your requirements and give them accurate information. For example if you travel abroad you must be clear about the numbers and details of all of your portable electronic devices, models and all the technical details and specifications. It is essential that you disclose all of the relevant details to the insurer when you are initially purchasing or renewing your insurance. If you do not do this and an incident arises, you run the risk of the insurance policy being declared null and void.
Log on to InsuranceDeals.ie to find the company that offers the best deal that matches your demands - to get the best gadget insurance policies, without spending a fortune. To better serve you, we have partnered with leading insurance providers in Ireland, so save money by changing today!
Is gadget insurance worth buying?
Definitely! This is because currently most people and households are keen on top-of-the-range technology and have a multitude of valuable electronic equipment. Buying gadget insurance can be especially helpful for people who frequently lose and/or drop things. In addition to loss, most gadget insurance policies offer coverage for malfunctioning of the handset, theft, and acidental damage as-well-as technological support.
Does gadget insurance go up every year?
No. Unlike most insurance, the cost of gadget cover doesn't usually increase with a history of loss or damage. Making a claim on your gadget insurance policy also does not incur future price increases for policies you make with a new provider as you do not need to include information about previous claims. Your existing insurer could increase the cost of your insurance at renewal if you’ve already claimed for that gadget, but, as most gadget insurance providers don’t insure a gadget that’s over 36 months-old, this isn’t normally an issue.
How do I claim gadget insurance?
Each company has its own unique procedure, but in general if you need to make a claim the first thing most insurers will require is that you report the theft or loss of your gadget to the police within 24 hours. See below for all of the steps you need to undertake in order to make a claim:
- Report the theft or loss of your gadget to the police and your service provider no later than 48 hours after you notice that your equipment is missing.
- Contact the insurance company customer service via phone or email as soon as possible in order to avoid any administrative hold-ups. This should be within 48 hours from an incident or from discovering the loss or theft of your gadget as some insurers may delay or reject your claim if you take longer than 48 hours.
- Fill out the forms and all of the required documentation and then share them with the insurer.
- If the insurer approves your claim you will need to pay a policy excess. It is important that you make this payment as quickly as possilble in order for the company to proceed with the claim. Any delay may make the process longer.
- If your claim is for damage, the insurance company may ask you to send the gadget to their nominated repair centre, where the device will be inspected and repaired.
- How long it will take to get a replacement phone or repair will vary depending on your insurer, so it is recommended that you have a look at customer reviews to gain a better of understanding of the time periods involved.
- Read your policy documents to ensure that you are covered for the claim that you wish to make. Read any exclusions that may apply and make sure you understand them. If you wish to seek clarification on your policy terms, please do not hesitate to contact the insurer to request assistance.
- It's important to keep your documents in a safe place. They are essential to show proof of purchase in the event of a claim.
- If you pay your gadget insurance premium by monthly instalments, you should be aware that some insurers will not settle a claim until you have paid the remaining months left on your policy.
Why should I have gadget insurance?
Because our portable electronic devices are both an expensive and essential part of modern life – they are items that are very costly to replace. It is advisable to insure them in case of accident, loss, damage or theft. Gadget insurance policies ensure your devices are covered for repair or replacement in the event of theft or accidental damage, with optional accidental loss cover also available. It is for these reasons that is vital to have gadget Insurance for all your devices.
How can I get free gadget insurance?
The Irish insurance market is a privatised industry. Therefore, to insure your gadget you need to purchase a policy and pay the premium. All types of businesses are based on the principle of mutuality; this means that in exchange for you paying a premium, your insurance company agrees to cover your losses.