For further information about the Horizon IT Scandal, please visit our corporate website

Why should I get gadget insurance?

We may only realise how important our gadgets are to our lives when something goes wrong. That’s why it’s helpful to know that if you lose your phone or your laptop breaks, you can be back up and running in no time.

Post Office Gadget Insurance can give you or your family a lifeline with a single or family policy. We even offer pay-as-you-go policies, so there’s no long-term contract or commitment.

Why choose Post Office Gadget Insurance?

Low excess

We know that the more items you need to insure, the higher the costs climb. That's why we work hard to keep the excess you pay on any claims low

Kids gadgets are covered too

For extra peace of mind, your kids' devices can be covered on our gadget insurance policies. Student and business use are also covered

12-month warranty on replacements

We hope you don’t need a replacement for your tablet, mobile or laptop, but if you do you can rest assured it’s got a 12-month warranty

Skilled engineers and quality repairs

We make sure the people who fix your devices are as knowledgeable as can be. We source the highest quality replacement parts for all devices too

Unlimited number of claims

There are no restrictions on how often you can claim for loss, theft or damage on any of your covered devices, no matter what’s happened

Repairs at an Apple Genius Bars

Subject to approval from the insurer, you may be able to get your iPhone/iPad or Samsung devices fixed at an official Apple or Samsung store and we'll reimburse you the cost

We cover a range of different devices

  • mobile icon

    Mobile phone insurance

    Our phones are always on the move and can get damaged. That’s why our phone insurance covers accidental damage and broken screens

  • Laptop insurance

    Whether it’s your online business, your job or your hobbies, you can’t do without your laptop. Our cover includes loss, theft and damage

  • Camera insurance

    Let’s face it, you can’t take stunning photos without a camera. So if something should happen to it, you’ll know you’ll be snapping away again in no time

  • tablet icon

    Tablet insurance

    Tablets are our faithful companions, our travel buddies, our late-night source of information, our impulsive shop from the comfort of the sofa

How to get Post Office Gadget Insurance

  1. Add your gadgets

    Let us know which devices you want to cover by providing their device, brand, make and model

  2. Choose your cover

    Select from economy, standard and premier cover based on how much excess you want to pay

  3. Select a payment plan

    Pay monthly or pay annually to get 12 months for the price of 10^

  4. Provide your details

    Simply give us your details, set up a payment method and you're done 

^ Price quoted includes the discount of 12 months for the price of 10

Two girls having fun playing console gaming with controller in their hands

Why buy gadget insurance?

Phones are fragile. If you haven’t already suffered a damaged phone, you might want to get gadget insurance before you do

They’re expensive to repair or replace. Without gadget insurance, repairs to phones and gadgets can sometimes be expensive, with a new replacement smartphone often proving costly

Cases aren’t always enough. No case offers complete protection against damage, whether this is accidental damage or malfunction

It’s not just phones and laptops. We offer cover for a range of devices, including cameras and camera lenses, certain gadget accessories, SatNavs, games consoles and more

Cover when it counts

We’ve thought hard about everything that can go wrong with a phone or gadget and found a way to cover it

  • Accidental damage

  • Mechanical breakdown

  • Cracked screen

  • Unauthorised usage – up to £2,500

  • Worldwide cover

  • Theft cover

  • Liquid damage

  • Loss cover

  • Accessory cover – up to £150

  • E-Wallet cover – up to £500

Pay annually and get 2 months on us

The annual price we quote includes a 2-month discount. You’ll get 12 months of cover for the price of 10.

What’s the excess?

The more you need to insure, the higher the costs can climb. So we’ve worked hard to keep the excess to pay on claims as low as possible. The amount varies depending on the cover level you choose and how long after taking out the policy you claim.


Time since policy started


1-30 days


31-60 days


61-90 days


91-120 days


121-150 days


Over 150 days


1-30 days

1-30 days


31-60 days

31-60 days


61-90 days

61-90 days


91-120 days

91-120 days


121-150 days

121-150 days


Over 150 days

Over 150 days


Choose our Family Bundle to save money

Our family bundles provide cover for up to 10 gadgets, each valued at up to £1,500 under one policy. The more you bundle the more you could save

Ready to get a quote?

Let’s find the protection that’s right for your gadgets. Get a quote for Post Office Gadget Insurance

Common gadget insurance questions

  • It’s a way to make sure you can replace or repair your devices if they’re lost, damaged, stolen or suffer accidental damage. Our pay-as-you-go policy can cover many of the costs incurred when something goes wrong.

  • Gadget insurance can offer peace of mind that you won’t be without the devices you need most for longer than necessary. You can save money on repair or replacement costs and rely on us to sort out any problems.

  • Gadget insurance covers a range of technology, including Mobile Phones, Tablets, Laptops and PCs (including custom-built), Digital Cameras, PC Monitors, MP3 Players, Games Consoles, Video Cameras, Camera Lenses, Bluetooth Headsets, Satellite Navigation Devices, PDAs, E-Readers, Head/Earphones, Smart Watches, Fitness Trackers & VR Headsets.

  • Your contents insurance might only cover gadgets up to a certain value and may place limitations on what you can make a claim for (eg your policy might not cover accidental damage).

  • Read more gadget insurance FAQs

Need some help?

Gadget insurance help and support

Find answers to common questions about gadget insurance, as well as details on how to contact us about your gadget insurance policy: 

Visit our gadget insurance support page

About our gadget insurance

Post Office® Gadget Insurance is arranged and administered by Taurus Insurance Services Limited and underwritten by ERGO TIS on behalf of Great Lakes Insurance UK Limited
Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered office: 100 Wood Street, London EC2V 7ER. Post Office Money and the Post Office Money logo are registered trademarks of Post Office Limited.

Taurus Insurance Services Limited is an insurance intermediary authorised and regulated in Gibraltar by the Financial Services Commission under Permission Number 5566 and authorised to passport general insurance intermediary services into the UK and registered with the Financial Conduct Authority in the UK under registration number 444830. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 10 Fenchurch Avenue, London, United Kingdom, EC3M 5BN.Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting;

ERGO TIS is registered in the UK, company number 11091555. Registered office: 10 Fenchurch Avenue, London, EC3M 5BN. Authorised and regulated by the Financial Conduct Authority, register number 805870.