Gadget insurance usually covers handheld gadgets such as mobile phones, tablets, laptops, camera and smart watches. The cover usually applies worldwide.
The cover includes accidental damage, theft, and loss of your gadgets. It may cover the unauthorised use of data and also mobile phone breakdown after the manufacturer's warranty expires.
Larger home entertainment such as TVs DVD, Blu-ray players and games consoles are excluded but they can be insured with contents insurance.