When planning a trip abroad, it is important to consider not only the safety or yourself and coverage of your flights and accommodation, but also think about whether your all-important gadgets are covered. Gadgets such as cameras, mobile phones are laptops are often considered essentials for travelling so that you can capture precious memories, stay in touch and work while you are away, however these items can be expensive to repair and replace should anything happen.

Standard travel insurance covers your baggage as well as the contents for theft, damage, or loss; however, you should not rely on travel insurance to cover all of your possessions, particularly expensive gadgets that you are traveling with. In the event of the airline losing your baggage, you may receive a pay out that covers some of the cost of your gadgets, however this is often insufficient to replace expensive gadgets.

If you have home insurance that includes cover of your personal possessions, you may be able to claim from this while you are traveling. It is always a good idea to revisit the conditions of your insurance plans to make sure you are covered while you are away from home.

On Holiday

If you want to protect your gadgets while you are on holiday, you might want to consider gadget insurance. This type of insurance covers all your hardware you might take on your trip. Travelers can get gadget insurance, which is separate from their house insurance policy, meaning your house insurance claim history will not be affected if you make a claim for your gadgets while on holiday. Your gadget insurance policy may also cover you for mechanical breakdowns, theft and liquid damage which makes life easier if you have a mishap while you are on your trip. This type of cover would benefit individuals who travel with large amounts of equipment such as photographers and videographers.

Tips to protect your gadgets

Whether you take out gadget insurance or list your gadgets as part of your luggage contents, if is important to check the details of your policy to know what you are covered for as well as claim limits and excess payments. Some insurers only cover gadgets up to a certain limit and you are required to pay an excess upfront. Ensure that the excess you agree to pay is affordable for you should anything happen to your precious belongings!