Personal gadgets are an everyday essential for many of us, then there’s a problem and we have to get by without them. It’s annoying to be without your phone after it’s been stolen and have no back-up plan either!
That’s why some insurers offer gadget insurance, giving cover for gadget items only. However, it might be surprising to learn that personal gadgets can be protected under your home contents cover – policies may cover the loss or theft of personal items, including personal gadgets, as standard. As a first step you should check the cover you have for high risk items in your home insurance contents policy. Then you’ll be able to decide if you need extra protection.
For example, gadget travel insurance seems sensible when you’re flying abroad for a short break, or a family member is away travelling for a month or two. You may not realise that gadget cover can be arranged as part of a home insurance Personal Belongings option. Just tell your insurer when you’re going and for how long.
For insurance purposes we class these items as ‘high risk’ because they are expensive to replace and easy to take:
All are covered for theft under Lloyds Bank home contents insurance while they are in your home.
Lloyds Bank offers two tiers of home insurance. Both tiers offer a minimum £10,000 high risk items cover as standard but if you need a higher amount then the Home Insurance tier allows you to select high risk items cover up to a total of £30,000. Home Insurance Premier allows you to select high risk items cover up to a total of £50,000.
1. Inform your network provider straight away so they can put a block on the phone. If you delay you might have to pay for calls made.
2. Request your phone's identification number (IMEI) from your network provider.
3. Report the theft – including your phone’s IMEI – to your local police station as soon as you can.
4. Ask for and make a note of the crime reference number – you’ll need this if you want to claim on insurance.
Limits, terms and exclusions apply. See our policy booklet for full details (PDF).
Lloyds Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 119278. Authorisation can be checked on the Financial Services Register at www.fca.org.uk.
Lloyds Bank plc is a member of the Financial Services Compensation Scheme and the Financial Ombudsman Service.
Lloyds Bank plc Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065.
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