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 Insurance 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 can our Contents Insurance protect your gadgets?

Our content policies will cover your gadgets as standard. But there are some limits. It is important you check your policy to find out what those limits are.

High risk items

We class some items as high risk. This is because they normally cost a lot to replace and are easy to take.

High-risk items include:

  • Mobile phones
  • Tablets and laptop
  • TVs and sound equipment
  • Cameras

Lloyds Bank Home Contents Insurance covers the cost to repair these items if they are damaged by things like a fire or flood.  We also cover the cost to replace these items if they can’t be repaired or they are stolen from your home.

Both tiers offer a minimum £10k high risk items cover as standard. If your household gadgets cost more than this, you can add high-risk items cover worth:

  • £30k to your Home Insurance policy.
  • £50k to your Home Insurance Premium policy.

The maximum individual items limit is £3K. For items that are valued more than this, you must list them individually in your policy. You can add items that are individually valued up to £20k.

Limits, terms and exclusions apply to all levels of cover. For more information on what is and what’s not covered, see our policy booklet (PDF) 3.09 MB.

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How to make an insurance claim for gadgets

Before you call 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. 

Contacting us

Contact our claims team. You can submit a claim online or call us. 

Let us know the details of your claim, including:

  • 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.  Where possible 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 or repair work you are 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 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 for 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 a crime reference number. Make a note of this once you get one. You’ll need it if you want to claim on your insurance.

Limits, terms and exclusions apply. See our policy booklet for more information (PDF) 3.09 MB.

Speak to your provider to find out if accidental damage is covered by your policy. You should also find out if that applies to gadgets too.

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).

Telephone calls may be monitored or recorded in case we need to check we have carried out your instructions correctly and to help us improve our quality of service.