Gadget Insurance

xirokx

Hi there,

For the last few years I had gadget insurance with a company called mystuff.

I paid £8.99 per month to insure my laptop, camera and phone.

I had to claim throughout the years once or twice due to theft etc and they always replaced or paid up ASAP......they even covered accidental damage etc

They were very good.

Unfortunately they stopped trading so now I am left without gadget insurance.

Can you recommend any companies that insure these items and are good at replacing / paying up in the event of mishaps??

Thank you

jonesMUFCforever

Ask yourself why they stopped trading?


Offering premiums that were too low to get customers in - paying more out in claims equals bankruptcy.


Don't look at the price look at the cover.

silvercar

I have friends who swear by american express gadget insurance, you don't need to be a card holder to take it out.

InsideInsurance

mystuff is not going to be the insurers, they may or may not have been the claims handlers.

Look through your documents and see who the actual insurer and claims administrators are. You will almost certainly find something similar from someone else unless they did their own claims handling.

Is there a reason to need to insure these separately to your home insurance?

ms60

I'll need laptop insurance for a new Macbook while travelling and working abroad. My travel insurance reimbursement is too low and claiming on home insurance would raise the premiums too much. (I already have mobile phone insurance for this year but could fold it in in the future.) Can anyone recommend a reliable insurance company

xirokx

Is there a reason to need to insure these separately to your home insurance?

I rent so dont have home insurance ....

can anyone else recommend any companies? thanks

wongataa

xirokx wrote: »

I rent so dont have home insurance ....

can anyone else recommend any companies? thanks

Even if you are renting you should really have contents insurance to cover your belongings.

xirokx

So are you guys advising against taking out seperate cover and just claiming on house insurance?

What happens if I accidently damage my phone whilst on street?

InsideInsurance

xirokx wrote: »

What happens if I accidently damage my phone whilst on street?

Claim on your home insurance, if you want, though for minor damage it may not be economical when you factor in increased premiums next year.

xirokx

so back to original question , do you know any half decent companies that wont rip me of and will insure my gadgets :-)

rs65

As per post #4, who was your previous insurer?

Best to use them again if you are happy with the way they have handled past claims.