Gadget Travel Insurance

If you choose to add Gadget Cover to your Travel Insurance, we'll pay up to £1,000 for any three gadgets that are lost, stolen or damaged in one trip.

Buying gadget cover will let you claim for specific electronic devices without affecting the amount of cover available to you under the Personal Belongings section of the policy.

The Personal Belongings section of the policy covers up to £1000 for Admiral, £2,000 for Admiral Gold and £2,500 for Admiral Platinum (subject to single item limits - £200 on Admiral, £300 on Admiral Gold and £400 on Admiral Platinum).

If your mobile phone is lost or stolen and is used fraudulently, we'll pay up to the policy limit for any calls, messages or data usage in the first 24 hours after it was discovered missing.

Make sure your gadgets are covered

Taking your gadgets on holiday is an absolute must for most people. Whether it's your camera to capture and keep the best moments of your trip, your laptop or tablet to keep you occupied on the plane or your mobile to keep you connected to the world back home, most of us take a lot of tech with us on holiday.

By adding our Gadget Travel Insurance upgrade to your Admiral holiday insurance, you can rest assured your prized possessions are properly protected whether you’re on the beach or hitting the slopes.

Are there any exclusions?

As with any travel insurance, it’s important to read the small print as there are some things we don’t cover.

We won’t pay any claim for:

1. Gadgets left as checked in baggage
2. Unattended gadgets, unless they’re in your locked accommodation. If your accommodation has a safe or safety deposit box, your gadgets must be locked inside it
3. Business equipment
4. Wear and tear or gradual deterioration of performance
5. Claims due to abuse, misuse or neglect

You can read the full list of exclusions in our policy documents.

Travelling with gadgets: tips to keep them safe

Most of us will have at least one gadget with us when we’re travelling, and it’s all too easy for them to get damaged or lost. Try the following to keep your gadgets as safe as possible when travelling:

1. Back up your data before setting off
2. Note down the serial numbers of your devices so they can be disabled if they’re lost or stolen
3. Make sure you have cases or screen covers for your gadgets – cracked screens are a common problem, so it’s a good idea to do what you can to protect them (even better if you can get waterproof covers)
4. Carry your devices and gadgets in your hand luggage
5. Leave your devices in the hotel safe or security box as much as possible, rather than taking them out

One final tip: be careful when using roaming, particularly outside Europe. Roaming charges can be very expensive and soon mount up – it’s often unnecessary too, as there are lots of public places you can get Wi-Fi.

What if I have a pre-existing medical condition?

A pre-existing medical condition is a short or long term illness or injury you have or have had before you buy travel insurance. This includes having symptoms, tests, diagnosis or medical treatment for a condition.

You can declare your pre-existing medical conditions during the quote process to see if we can offer cover. If you’re unsure what needs to be declared or if you're unable to find your condition on the medical conditions list, please contact us on 0333 234 9913.

Your pre-existing medical conditions won’t be covered unless you’ve:

• Declared them all on your policy
• Received written confirmation that we’ll cover your medical condition
• Paid any additional premium in full

Policy terms and conditions apply. Please note, if you’ve had a positive diagnosis of Covid-19 and been prescribed medication, received treatment, or had a consultation with a doctor or hospital specialist for any medical condition in the past two years, this needs to be declared on your policy.

If you don’t tell us about your pre-existing medical conditions or give us incorrect information, your policy may be invalid, and we may refuse all or part of any claim you submit.

For a quote with us, click the green button above.

The MoneyHelper directory

If you require cover for more serious medical conditions, MoneyHelper may be able to help you find specialist travel insurance through their medical directory.

If you wish to get in touch with them you can call them on 0800 138 7777 or find them online. (Monday to Friday 8:00-18:00, closed on Saturday, Sunday and bank holidays.)