Gadget Insurance Exclusions

General Exclusions/Limits

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).