Gadget Insurance Exclusions

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General Exclusions/Limits

GeneralExclusions

The general exclusions that apply to this product are as follows -

  • The policy includes a deferred period of 14 days when the cover does not operate. A deferred period applies at the start of the policy and to any item registered after the policy start date.
  • Registered items cannot be more than 36 months old at the date of registration.
  • Unregistered items cannot be more than 36 months old at the date of an incident that causes a claim.
  • The most we will reimburse for the repair or replacement of a registered item is the lower of £1500 or the original purchase price.
  • The most we will reimburse for the repair or replacement of an unregistered item is the lower of the original purchase price or £150.
  • The most we will pay for a single incident is £1500 subject to claims excess(s).
  • We will not pay for more than two incidents in any rolling 12 month period.
  • An excess of £50 per item applies to each and every incident.
  • We will pay up to £1,500 annual cover per 12 month period subject to claims excess(es).


A full list of exclusions is provided below:

Full Policy & Policy Summary