Gadget Travel Insurance

Relax knowing your gadgets are safe on holiday

We'll cover your camera, mobile phone and most-loved tech while you're on holiday with our Gadget Travel Insurance upgrade

Coronavirus and your cover
What’s covered?
Pre-existing medical conditions and

5 Star Travel Insurance from Admiral

5 Star rated Platinum level Travel Insurance

Our Platinum level cover has Defaqto's 5 Star rating.

Covid-19 - what our travel insurance covers

Our travel insurance now covers you for certain events related to Coronavirus (COVID-19), provided you have proof of a positive Covid-19 test and your cover is active at the time of the event.

What we cover

  • Emergency medical and repatriation costs if you become ill with COVID-19 while abroad and must self-isolate
  • Trip cancellation if you are diagnosed with COVID-19 within 14 days of your trip departure
  • Cutting short your trip because you're denied boarding on your pre-booked outbound travel due to symptoms of COVID-19
  • Trip cancellation because of the hospitalisation or death of a close relative due to Covid-19 within the 14 days prior to your trip departure
  • You can't continue with a pre-booked because you contracted Covid-19 while on your trip
  • Cutting short your trip due to your death or the death of a close relative from Covid-19

What we don’t cover

  • If you had reason to believe your trip may be cancelled, postponed or cut short when you booked it, purchased your policy or started your trip.
  • Cancelling, cutting short your trip or being unable to continue with a trip or pre-booked excursion because you're required to self-isolate due to the potential exposure to Covid-19 except for reasons specified
  • If you travel against Foreign Commonwealth and Development Office (FCDO) advice. You will need to check the travel advice for all countries you visit or will transit through
  • Cancelling or cutting short your trip due to the FCDO changing its advice regarding your destination or countries you will transit through due to COVID-19
  • Costs incurred as a result of a local outbreak of COVID-19 that meant you couldn't stay in your pre-booked accommodation or vessel
  • Due to travel restrictions or quarantine imposed by any government or public authority, including local lockdowns, being denied entry and compulsory entry requirements

For more information about how Coronavirus (COVID-19) affects your travel cover, see our FAQ page. And remember to check the policy booklet carefully before you buy to make sure our cover meets your needs.

What does the Gadget Travel Insurance add-on cover?

We'll cover the following gadgets if they were bought new by the policyholder, or if they’re refurbished, bought directly from the manufacturer:

  • Cameras
  • Camcorders
  • Audio visual/television equipment
  • Computers
  • Tablets
  • Gaming consoles
  • Electronic book readers (Kindles)
  • SatNavs
  • Mobile phones





£150 £75 £50

Overall limit

£1,000 £1,000 £1,000

Single item limit

£1,000 £1,000 £1,000

Maximum number of gadgets per claim

3 3 3

Unauthorised calls or data downloads (Mobile Phones only)

£250 £250 £250

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.)

Getting the most out of your trip

Going anywhere nice?

Off to one of the destinations below? Take a look at our guides for some hints and tips on what you need to remember.

Travel insurance that suits you

Whether you're travelling solo, with your family, or with a little one on the way, read our guides to make sure our cover is right for you.

Travel Insurance upgrades

Whether you want the adrenaline rush of a skiing holiday, or fancy taking to the seas on a cruise, you'll need to add extra cover to your policy.

5 Star Travel Insurance from Admiral

5 Star rated Platinum level Travel Insurance

Our Platinum level cover has Defaqto's 5 Star rating.