How can you insure your gadgets?

From your mobile phone to your laptop, your gadgets are a huge part of your everyday life. If your phone or laptop got stolen, they could be expensive to replace. It's important that you find the right insurance policy to protect them.

Contents insurance could help you claim for the cost of damaged tech and gadgets. Many contents policies will cover the cost to replace or repair your gadgets if they are stolen or damaged by things like fire or flood, while at home.

Make sure you check your policy first, before deciding if you need extra cover for your tablets, phones and laptops.

How our contents insurance can help

Some items are more likely to be stolen or damaged than others. Mobile phones, tablets, laptops and cameras are all examples of this.

How we protect your tech

With Home Insurance Select, any items you have that cost less than £2,000 each are covered while at home as part of your overall contents cover. If you have items worth more than £2,000 up to £20,000 each, these will also be included in your contents limit as long as you specify them on your policy.

We offer three levels of contents cover:

  • Bronze cover with up to £50,000 for your contents
  • Silver cover with up to £100,000 for your contents
  • Gold cover with up to £250,000 for your contents

Whichever level of cover you choose, your gadgets worth less than £2,000 each are covered in the home as standard up to the contents limit. And your valuable items worth between £2,000 and £20,000 each are covered in the home as long as you specify them on your policy, up to a total of £50,000. Accidental damage to your gadgets is covered if you have our Silver or Gold cover.

Key benefits

  • You choose your level of cover based on how much your contents are worth.
  • Have peace of mind knowing that your gadgets are covered for theft while in your home. 
  • Cover for accidental damage is standard with our Silver and Gold cover. 
  • With Away from home cover, you can choose to protect your gadgets when you're out and about.

Our policy documents tell you more about what is and isn't covered. Keep in mind that with all of our cover, there are limits, terms and exclusions. Read the policy documents.

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How to make an insurance claim for gadgets

Before you contact us

Call the police if your claim is related to:

  • Theft
  • Attempted theft
  • A malicious act
  • Riot
  • Vandalism

Check the level of cover in your policy, so you know what you can and can’t claim for. 

Get in touch with us

You can make a claim online. Or if you prefer you can call us.

Let us know the details of your claim. We'll need to know:

  • What happened
  • When it happened
  • Where it happened
  • Details of the loss or damage
  • A list of the items that have been damaged or stolen. If you can, include the make and model of the gadget

Give us any extra information that might help. This could be things like:

  • Receipts for the items you’re claiming for
  • Pre-loss valuations of the items
  • Photos or videos of the damage

What to do if your mobile phone is stolen

  1. Let your network provider know straight away. This way they can block the phone from being used. If you delay, you might have to pay for calls made.
  2. Ask your network provider for your phone's identification number (IMEI).
  3. Report the theft including your phone’s IMEI to your local police station as soon as you can.
  4. They will give you a crime reference number. Make a note of it. You’ll need it if you want to claim on your insurance.

Important legal information

Lloyds Bank plc. Registered office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. 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.

Eligible deposits with us are protected by the Financial Services Compensation Scheme (FSCS). We are covered by the Financial Ombudsman Service (FOS).