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WHAT IS GADGET INSURANCE?
Gadget insurance covers the cost of replacing or repairing your portable electronic devices if they are damaged, lost, stolen or broken down.
We all rely on our gadgets every single day, and if you’re a tradesperson, that’s especially true. How would you book jobs and communicate with customers, suppliers, workmates or even your accountant without your mobile phone, laptop, tablet or PDA?
Face it, your business can’t function for long without your electronics. That is why gadget insurance will save the day if something happens to them?
The cover-all single Policy from Rhino Trade Insurance can be used to insure all of the gadgets you rely on, giving you the protection you need all in one place.
For example, if your mobile phone falls into the cement mixer, gadget insurance will cover the cost of the phone’s repair or replacement. If your laptop gets dropped from a height and shatters, gadget insurance will be there to pick up the pieces, financially speaking. If your camera is stolen, your e-reader goes missing, your tablet is trashed or pretty much any other portable electronic device gets lost, stolen or damaged – gadget insurance will be there to make sure you don’t bear the financial hit.
GADGET INSURANCE SUMMARY
- Insure all your gadgets in one place – one policy makes it simple
- Insure gadgets from a value of £500 up to £3,000
- Monthly or annual payment options – interest-free
- Premiums starting at under £4 per month
- Instant cover with documents immediately
WHAT DOES GADGET INSURANCE COVER?
You can cover gadgets up to a maximum value of £3,000 and a maximum number of claims in any Policy Period of two, in respect of the following:
- Accidental damage – the cost of repairing or replacing your gadget if it is damaged as a result of an accident.
- Mobile phone loss – the cost of replacing your mobile phone if you accidentally and unintentionally lose it permanently.
- Breakdown – if your gadget suffers electrical breakdown outside of the manufacturers guarantee period then the Policy will cover the cost of repair.
- Liquid damage – the cost of replacing or repairing your gadget if it is damaged as a result of coming into contact with liquid.
- Fraudulent call cover – if your mobile phone is accidentally lost or stolen and used fraudulently, then the policy will re-imburse costs incurred as a consequence up to £2,500.
- Theft – the cost of a replacement covered if your gadget is stolen, so long as necessary precautions had been taken to prevent theft (such as leaving your gadgets in a locked boot or in your home).
Please refer to the Policy Wording and Insurance Product Information Document (IPID) for the full terms and conditions.
Policy Docs
Gadget Insurance FAQs
Unlike the generations of tradespeople who came before you, you’re lucky enough to be able to use various electronic gadgets to make your job more streamlined.
But it stands to reason that the more gadgets you have, the more likely you’ll experience loss or damage.
Luckily, Rhino covers the following gadgets under our single policy:
Smartphones
Tablets
Laptops
e-readers
Cameras
Other portable electronic devices
Not sure if your gadget will be covered by Rhino? We bet it will, but why not give us a quick call on 0116 243 7904 to double-check.
But it stands to reason that the more gadgets you have, the more likely you’ll experience loss or damage.
Luckily, Rhino covers the following gadgets under our single policy:
Smartphones
Tablets
Laptops
e-readers
Cameras
Other portable electronic devices
Not sure if your gadget will be covered by Rhino? We bet it will, but why not give us a quick call on 0116 243 7904 to double-check.
Your gadget doesn’t need to still be under the manufacturer’s warranty but must be no more than 36 months old when you take out your gadget insurance policy with Rhino trade Insurance.
Remember, you’ll have to show us proof of ownership of your gadget, so dig out that receipt (an e-receipt is fine, for example, if you bought the item online). If your gadget is a mobile phone, you can show us confirmation from your Network Provider that the phone has been used by you.
Remember, you’ll have to show us proof of ownership of your gadget, so dig out that receipt (an e-receipt is fine, for example, if you bought the item online). If your gadget is a mobile phone, you can show us confirmation from your Network Provider that the phone has been used by you.
Yes, your gadget doesn’t need to have been with you if it was lost, damaged or stolen. However, the gadget would have to be in the care of an immediate family member (someone you’re closely related to, who lives with you).
In the event of a claim, please contact Coplus as soon as reasonably possible and within 7 days from the date of the insured event giving as much information as you can about what has happened to bring about the claim. If the incident occurred outside the UK, please notify Coplus within 7 days of your return to the UK.
Telephone: 0333 241 3395
Email: gadgetclaims@coplus.co.uk
Online claims form: https://gadget.coplus.co.uk/
Or you can write to Coplus at: Coplus Floor 2 Norfolk Tower 48-52 Surrey Street Norwich NR1 3PA
Telephone: 0333 241 3395
Email: gadgetclaims@coplus.co.uk
Online claims form: https://gadget.coplus.co.uk/
Or you can write to Coplus at: Coplus Floor 2 Norfolk Tower 48-52 Surrey Street Norwich NR1 3PA
Just like with any insurance policy, there are exclusions and limitations to what Rhino’s outstanding gadget insurance covers. These are mostly common sense but always read your policy documents carefully to check what you’re covered for.
For example, you can’t insure gadgets you bought while you were out of the country. They must have been purchased inside the British Isles – known as the ‘territorial limit’ of the policy. You can, however, make a claim if the incident occurred abroad, so long as you do it within 48 of returning to the UK.
You can’t claim for gadgets which have been lost, damaged or stolen while you weren’t taking necessary precautions. This means that if they were left in or on your car in full display, you can’t claim for them if they get stolen. If they’re safely tucked inside your glove compartment or locked away out of sight, you’re covered.
For full terms and conditions, you should check our Policy Wording document. If you’ve already taken out your policy, full details will also be found on your Schedule of Insurance document that we will have sent you when you took out your cover.
For example, you can’t insure gadgets you bought while you were out of the country. They must have been purchased inside the British Isles – known as the ‘territorial limit’ of the policy. You can, however, make a claim if the incident occurred abroad, so long as you do it within 48 of returning to the UK.
You can’t claim for gadgets which have been lost, damaged or stolen while you weren’t taking necessary precautions. This means that if they were left in or on your car in full display, you can’t claim for them if they get stolen. If they’re safely tucked inside your glove compartment or locked away out of sight, you’re covered.
For full terms and conditions, you should check our Policy Wording document. If you’ve already taken out your policy, full details will also be found on your Schedule of Insurance document that we will have sent you when you took out your cover.
In short, yes. Excess on our gadget cover is variable depending on the claim value and should you make a claim you will be required to pay the first 10% of the total claim value, up to a maximum of £75.
And if you were to make a claim within the first 14 days of the start date of the policy, an additional £50 excess will apply to any claim made, or any event causing the need for a claim to be made. The additional £50 excess does not apply to policies renewed with Rhino.
And if you were to make a claim within the first 14 days of the start date of the policy, an additional £50 excess will apply to any claim made, or any event causing the need for a claim to be made. The additional £50 excess does not apply to policies renewed with Rhino.
