Device Insurance

What it generally protects

• Smartphones, tablets and laptops against accidental damage
• Screen and liquid damage — the most common everyday accidents
• Theft and loss, where the policy includes it

This is general information. Exact cover depends on the specific policy wording of the insurer providing it.

Who may need it

• Anyone buying a new phone with savings spread over months
• Students and professionals who depend on a working device
• Phone retailers offering protection at the point of sale
• Small businesses that equip their staff with devices

Why it matters

A good smartphone can cost as much as a month's income or more. A cracked screen or a stolen phone interrupts work, school and business — repair or replacement should not set you back months.

What to understand before purchasing

• Device age limits and whether the cover is for new devices only
• Whether the cover is per device and what proof of purchase you need
• Any excess payable when you make a claim
• What happens when you change or upgrade your device