From e-tickets to digital entertainment, technology has become an essential travel companion. I mean, what would we do without music to listen to on the train? Or an e-book to read on the beach? Or a mobile phone to call home? They have become such common items in our daily lives that many of us often assume that insurance policies will cover damage to electronic devices. Unfortunately this isn’t always the case. So don’t risk having to pay to fix a cracked screen or lose all your hard drive to water damage – if you’re a technophile, make sure you get gadget travel insurance before you go on holiday. Why You Need Gadget Travel Insurance Now that gadgets are getting smaller, lighter and easier to transport, you might even be inclined to take several expensive devices on your journey. In fact, according to a study done by RAC Travel Insurance, the average holidaymaker takes 3.2 electronic devices away with them. That means that they’re carrying anywhere between £200 and £500 worth of gadgets that could easily be lost or broken while on holiday. Don’t risk paying out: make sure you have gadget travel insurance that keeps you covered. What Type of Cover You Need There are a variety of gadget travel insurances out there, including single item and specialist cover. When you’re looking for the right policy for you, make sure you’ll received compensation for: • Theft A good policy will reimburse you for any stolen electronics or provide you with a replacement. • Unauthorised calls, texts or data usage If your phone is stolen, you may not be able to cancel your network before the thief makes expensive long-distance calls, uses the data beyond your limit or texts payable numbers. Choose a gadget travel insurance that won’t leave you footing their bill. • Liquid damage Dropping your phone in water is a common occurrence even when you’re not on holiday (let’s be honest, we’ve all done it!). So, if you’re hanging out at the beach or laying by the pool this summer, the risks are even greater. Don’t hope that leaving your device in rice overnight will dry it out; make sure you’ve got a policy that will compensate you for any liquid damage. • Accidental damage Accidents just happen, so don’t risk being the person with a smashed and unreadable screen because they didn’t get the right cover and don’t want to pay to have it fixed. It’s not worth it. • Breakdown I’ve always said technology is great until it stops working. With the right policy, you’ll even be covered if your device breaks down while you’re travelling. Get a Trustworthy Policy Don’t risk ruining your holiday by choosing a cheap insurance policy that doesn’t cover the full cost of repairing or replacing your damaged devices – you don’t want to end up paying the additional costs. Make sure you’ve got a gadget travel insurance that covers the full cost of each of your items no matter what the eventuality. |
Ethan Bailey is an experienced adventure traveller and insurance expert with the team at Let's Go Insure. Ethan’s passion is to inspire his clients to go just that little bit further, deeper and higher on their travels and his expertise in providing the ideal insurance cover allows them to do just that. If you're looking for the best gadget travel insurance Let's Go works with the most experienced underwriters, intermediaries and insurers to offer a range of competitive insurance without compromising on cover.
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