Just wondering would a smartphone be covered by your household insurance policy for loss or damage in the house and out of the house. Obviously I'll need to check with my own insurer for confirmation but just looking for an idea. Thanks
Hi Toby, most household insurers wouldn't cover mobile phones. You're generally better off talking to your provider and taking out cover through them. My iPhone is covered with Zurich through O2 but they declined to cover it directly through them.
I just had a look at that gadgetinsurance website - conditions look awful to me - eg you're not covered for
- loss,
- water damage ,
- only covered up to 500 euro total on base level or 1000 total on premium ... so if someone breaks in and steal for example your iphone, ipad, laptop and two kids nds you will only be covered for a total of 1000 euro.
- theft of an unattended device from a public place ... so if you leave phone on the table for a minute in pub and it's gone when you get back from the bar you're fecked ....