What is travel insurance with gadget cover?
Travel insurance with gadget cover gives you extra protection for gadgets and valuables you take on holiday, such as your phone, laptop, tablet or camera.
Your JustCover travel insurance already includes some gadget cover as standard:
- Silver: €200
- Gold: €400
- Black: €600
If you need more cover, you can add the optional Gadgets and Valuables Extension.
This increases your total gadget and valuables cover to €2,000 per policy, with up to €1,000 for any one item.
Do you need gadget insurance when travelling abroad?
Your phone, camera or tablet could cost more to replace than your travel insurance covers. If you’re taking several devices, their combined value can soon add up.
Before you travel, check two things: your policy’s total gadget cover and the maximum it pays for any one item. A policy might provide enough cover overall but still have a limit that falls below the value of your most expensive device.
JustCover includes gadget cover as standard across our Silver, Gold and Black plans. If you need higher limits, our optional Gadgets and Valuables Extension increases your cover to €2,000 per policy, with up to €1,000 for any one item.
Also check whether your home insurance or separate gadget insurance covers your devices abroad. Compare the limits, excess and exclusions to help you choose the protection that suits what you’re taking.
What are the benefits of travel insurance with gadget cover?
Your phone helps you navigate, your camera captures the memories and your tablet keeps you entertained. Extra gadget cover helps protect the devices you rely on while you’re away.
With JustCover’s optional Gadgets and Valuables Extension, you get:
- Higher cover limits: Up to €2,000 for eligible gadgets and valuables per policy.
- Protection for valuable items: Up to €1,000 for any one item.
- Help with unexpected costs: Cover if eligible items are lost, stolen or damaged.
Check the excess and exclusions before you buy to make sure the cover suits your devices.
What does JustCover’s gadget travel insurance cover?
Take your phone, camera or tablet with cover that suits their value. JustCover’s optional Gadgets and Valuables Extension increases your cover for eligible items to €2,000 per policy, with up to €1,000 for any one item.
Other eligible items include laptops, eReaders and games consoles, as well as valuables such as jewellery and watches. See the full definition of gadgets and valuables in our Policy Wording, including the conditions and exclusions that apply.
What's covered
Lost gadgets and valuables – Help with the cost of eligible items lost during your trip.
Stolen items – Protection if eligible items are stolen and you meet the policy’s security and reporting requirements.
Damaged items – Cover for eligible gadgets and valuables damaged during your trip.
What's not covered
Work equipment – Items you use for work.
Unattended or unsecured items – Items left unattended in public, stolen from an unattended vehicle or left somewhere that isn’t locked and secure.
Checked baggage and freight – Items packed in checked-in luggage or sent as freight.
Theft exclusions – Theft where there’s no evidence of forced entry.
Breakdowns and everyday wear – Mechanical or electrical breakdown, wear and tear, dents or scratches.
Digital content – The cost of replacing photos, files or downloads.
If an item is lost or stolen, report it to the local police within 24 hours of discovering it and get a written police report.
Claim payments depend on the item’s age, condition and value, and any excess that applies. Read the Policy Wording for full details.
Which devices and gadgets can be covered?
From your phone and camera to jewellery and hearing aids, JustCover’s gadget and valuables cover can help protect a range of items you take on holiday.
Eligible items can include:
- Mobile phones and phone accessories
- eReaders
- Electronic games
- Games consoles
- MP3 players
- Watches
- Jewellery
- Binoculars
- Hearing aids
- Musical instruments
- Some sports and leisure equipment
- Laptops
- Tablets, including iPads
- Netbooks and other computer equipment
- Cameras and photographic equipment
- Audio and video equipment
Cover is subject to the policy limits, terms and exclusions.
Taking a work laptop or phone?
Items you use for work aren’t covered under Personal Property.
If you want to protect a work laptop, work phone or other work equipment, you’ll need to add JustCover’s Business Cover.
What does gadget cover protect you against?
JustCover’s optional Gadgets and Valuables Extension helps with the cost of eligible gadgets and valuables that are lost, stolen or damaged during your trip.
- Lost: Misplaced your phone or camera? Cover can help with the cost of an eligible lost item, provided you meet the policy’s reporting requirements.
- Stolen: If an eligible item is stolen, cover can help with the cost of your loss. You’ll need to meet the policy’s security requirements and report the theft.
- Damaged: If an eligible gadget or valuable is damaged during your trip, cover can help with the cost. Exclusions include breakdowns, wear and tear, dents and scratches.
You can claim up to €1,000 for any one item, with a total limit of €2,000 per policy. The amount paid depends on the item’s age, condition and value, and any excess that applies.
What else does JustCover’s gadget travel insurance cover?
Protect your gadgets and the holiday you’ve planned. Alongside gadget cover, your JustCover policy can include:
- Emergency medical expenses: Help with eligible treatment costs abroad.
- Cancellation cover: Protection if you need to cancel for an insured reason.
- Personal belongings: Cover for eligible luggage and possessions.
- 24/7 emergency medical assistance: Support when you need medical help abroad.
Choose your Silver, Gold or Black plan, then add the optional Gadgets and Valuables Extension if you need higher gadget cover limits.
Benefits, limits and exclusions vary by plan. Read the JustCover Policy Wording for full details.
Choose the right level of cover
We offer different levels of cover to make your Travel Insurance as cost-effective as possible.
Black
Gold
Silver
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How much does gadget travel insurance cost?
The cost of travel insurance with gadget cover depends on your trip, who’s travelling and the protection you choose.
Factors include:
- Your travel plans: Your destination, trip length and whether you choose Single Trip or Annual Multi-Trip cover.
- Who’s covered: The number of travellers, their ages and any pre-existing medical conditions declared.
- Your policy options: Whether you choose Silver, Gold or Black cover, plus any optional extras.
- Your gadgets’ value and age: Compare their value with the cover limits and check any age-related deductions, which can affect your claim payment.
Gadget cover is an optional extra that you can add for an additional premium. Get a personalised quote to see the total cost with it included.
How can you reduce the price of your policy?
Compare your options to find cover that suits your plans and budget:
- Planning one holiday? Single Trip cover may be the more cost-effective option.
- Taking several trips? Compare Annual Multi-Trip cover with the cost of separate policies.
- Check your dates. Make sure they cover your full journey, including your return home.
- Compare cover levels. Choose benefits and limits that reflect your needs and holiday costs.
- Review optional extras. Add those you need for your activities and belongings.
Check the benefits, excesses and exclusions alongside the price.
Why choose JustCover for your gadget holiday insurance?
Keep your travel insurance and gadget protection together. With JustCover, you can add optional gadget cover to your policy for an additional premium.
- Experience you can rely on: With over 20 years in travel insurance, we're trusted by thousands of customers.
- A choice of cover: Silver, Gold or Black, with optional gadget cover available.
- Protection for your plans: Add optional extras for the activities you’ll be doing.
- Medical help around the clock: Access to 24/7 emergency medical assistance if you become ill or injured abroad.
Read our Policy Wording for full details, including cover limits, excesses and exclusions.
Find the right travel insurance with gadget cover
One holiday or several getaways? Choose your travel insurance, then add optional gadget cover to help protect the tech you take along.
Annual multi-trip travel insurance
More holidays on the horizon? Cover multiple trips over 12 months and add optional gadget protection for the tech you take with you. Trip limits apply.
Single trip travel insurance
One holiday in mind? Cover your trip from departure to return, with optional gadget protection for the devices coming along.
Expert travel insurance advice from our team
“When you’re looking for travel insurance with gadget cover, check the gadget limit against the value of the electronics you’re taking. If the standard limit is not enough, additional gadget cover with JustCover can provide a higher level of protection for eligible items that are lost, stolen or damaged.”
Peter Clark - Director, JustCover
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We cover over 1,300 pre-existing medical conditions. Simply add optional gadget cover when needed.
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Family travel insurance keeps everyone on one policy, with the option to add extra gadget protection for your devices.
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Gadget travel insurance FAQs
Are my devices covered with standard travel insurance?
JustCover policies include cover for gadgets and valuables up to the following limits:
- Silver: €200
- Gold: €400
- Black: €600
Taking more valuable devices? You can add the optional Gadgets and Valuables Extension for an additional premium. Check the Policy Wording for item limits, excesses and exclusions.
Do I need gadget cover?
Compare the value of the devices you’re taking with your policy’s total valuables limit and single-item limit. If these fall short, consider adding optional gadget cover. Check any existing insurance too, so you understand where you already have protection.
Does gadget insurance cover water damage?
Water damage may be covered, depending on how it happened. Check the Policy Wording for the circumstances covered and any exclusions. Wear and tear and mechanical or electrical breakdown are not covered.
Does gadget insurance cover phone theft?
Your phone may be covered if it’s stolen during your trip and meets the policy’s requirements. Report the theft to the local police within 24 hours of discovering it and obtain a written police report.
Check the Policy Wording for cover limits, excesses and exclusions, including rules about unattended belongings.
Do I need receipts to make a claim for gadget cover?
Keep proof that you own your gadgets and, where possible, the purchase receipts. For items worth more than €100, an additional 10% deduction may apply if you’re asked for proof and cannot provide it.
Can I take gadget cover out after booking my holiday?
You may be able to add gadget cover after booking. If you already have a JustCover policy, contact our team before you travel to check whether the extension can be added and how much it will cost.
Can I insure multiple gadgets or devices?
Yes. The Gadgets and Valuables Extension can cover multiple eligible devices, with a total limit of €2,000 across the policy and up to €1,000 for any one item.
Does the age of my gadget affect how much I could receive?
Yes. An age-related deduction can reduce the amount you receive.
For example, for a phone or tablet over 48 months old, an 85% deduction applies to the cost of the nearest equivalent new replacement. Other deductions, limits and excesses may also apply.
Can gadget cover protect my work laptop?
Items used for work are excluded from Personal Property cover. If you’re taking a work laptop, check whether JustCover’s optional Business Cover provides the protection you need.
Are phone accessories covered?
Yes. Mobile phone accessories fall within the policy’s definition of gadgets and valuables. Cover limits, terms and exclusions apply.
What’s the difference between personal belongings cover and gadget cover?
Standard Personal Property cover includes some protection for gadgets and valuables. Adding the optional Gadgets and Valuables Extension increases the limit to €2,000 per policy, with up to €1,000 for any one item.