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Gadget Insurance

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We're all becoming more and more attached to our gadgets, so when they get damaged or break we find ourselves at a bit of a loss. Not only does it cost lots to fix or replace them, not having access to our laptops or phones can cause massive upheaval. At Tinhat we offer insurance for a wide range of gadgets with low excesses and competitive pricing. Meaning you can protect your gadget from as little as £4.49 a month.

If you're looking to insure gadgets on behalf of your company, check out our business gadget insurance. Scroll down for more information about our what gadgets we insure.

What gadgets do we cover?

Tablet insurance


Laptop and Macbook insurance


Smartwatch insurance


Camera insurance


DSLR camera and equipment insurance

DSLRs and Equipment 

Laptop and Macbook insurance


Headphone insurance


Mobile phone insurance

Mobile Phones   

Activity tracker insurance

Activity trackers 

Games console insurance

Games Consoles  


Did you know, you can insure multiple different gadgets on one insurance policy?


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What's covered?

We offer great value gadget insurance for a wide range of different gadgets - including tablets, smartwatches, cameras and headphones. The premium you pay depends on the value of your gadget, so our policies can start from as little as £4.49 a month (or £49.39 annually). Our policies cover you against:

Cracked screen and liquid damageAccidental damage (including liquid damage)

Covers accidentally cracked screens, dropping your phone in the toilet, and any other damage that prevents the phone from functioning normally. Accidental damage does not cover general wear and tear or purely cosmetic damage.

Mechanical breakdown outside warrantyMechanical breakdown

Covers you for repairs and replacements to your phone if it suddenly stops working outside the manufacturer's warranty. By renewing your policy with us you can continue to cover your gadget for a further 5 years.

Worldwide and holiday coverUnlimited use Worldwide

This policy keeps you covered anywhere in the world for as long as you need. Most insurers limit your allowed trip length.

Phone theft insuranceTheft

Covers you for any damage or loss resulting from your phone being stolen, as long as it is in your possession or stored in a secure place out of sight.

Cover for unauthorised callsUnauthorised calls

If your phone is lost or stolen we will cover up to £10,000 of unauthorised calls.

Mobile phone accessories insuranceAccessories cover

We'll replace any accessories (up to £150) if they are damaged, stolen or lost at the same time as your mobile phone.

Insurance for accidental phone lossAccidental loss

Covers you for the replacement of your phone if you accidentally lose it.


To find out more about what we cover, and any exclusions, please read our terms and conditions.


Additional Benefits

At Tinhat we offer some of the most affordable mobile insurance in the UK, but pride ourselves on offering policies that are fit for purpose. That's why, on top of comprehensive coverage, we offer:

Fair Excesses 

At Tinhat, if you make a claim your excess will be £50 for phones valued up to £250, £75 for phones up to £750 and £100 for phones valued at £751 or more. It's the same for all types of claim.

Family Cover

Unlike many insurance policies your phone is also covered while being used by immediate family, with no restrictions on their age. This also means that if you want to insure your child's mobile phone you can do so in your name.

Unlimited Claims 

Some insurers impose limits on the number of claims you can make, or have different limits for accidental damage and loss claims. At Tinhat there is no limit to the number of claims that you can make.

Instant cover 

If your phone is less than 60 days old, we'll cover it from the date that you purchase your policy. So if you buy your mobile phone insurance today, you can get peace of mind straight away.


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Key exclusions

All mobile phone insurance policies contain exclusions, and Tinhat is no different. That said, we think ours are some of the fairest and simplest to understand and we're keen to make sure that you're aware of them before purchasing:

Mobile phone exclusions

Second hand phones - unfortunately we can't cover any second hand phones. That includes second hand phones bought from private individuals and also second hand goods stores like CeX.

Phones bought more than 12 months ago - if you bought your phone more than 12 months ago you won't be able to insure it with Tinhat.

Refurbished phones without a 12-month warranty - we can't insure refurbished phones that were sold without at least a 12-month warranty.

Claims for incidents within the first 14 days of starting your policy (unless you phone is less than 60 days) - this is to help us prevent fraudulent claims, which allows us to provide affordable insurance to genuine customers.

Accidental damage exclusions

Cosmetic Damage - our insurance policies don't cover things like scratches, stains or minor chips to the body of your phone. We can repair your phone if it's broken, but we can't restore it to new condition.

Theft exclusions

Theft from inside commercial vehicles - so if you're a taxi driver, this insurance won't cover you for theft while you're using your vehicle.

Theft from an unattended personal vehicle - unless your phone is out of view in a closed compartment and the vehicle is locked.

Theft in a public place where your phone is left unattended - for example, if you leave your phone on a pub table and it's stolen while you go to buy a drink. Our insurance still requires you to take reasonable precautions to protect your phone.

To find out more about what we cover, and any exclusions, please read our terms and conditions.


    Our reviews

    At Tinhat we pride ourselves on offering great customer service and reliable phone and gadget insurance. We greatly value our customers' feedback, and here are a selection of our most recent reviews:


    5-star review

    "Great service"

    "Very fast turnaround for the repair!" - Kevin, Edinburgh

    5-star review

    "Competitive insurance"

    "Customer friendly website, easy to order. V competitive prices." - Lauren

    5-star review

    "Excellent insurer"

    "Really helpful and affordable service. Couldn't ask for any more from the company. Quick covered." - Emily, Bristol

    Tinhat Reviews Feefo




    We really value honest feedback, and are proud to say that our gadget insurance is rated 8.6 out of 10 based on 203 customer reviews at Feefo.

    Have any questions?

    Please get in touch with us at sales@tinhat.co.uk, and we'll be happy to help with any questions you might have.