With so many gadgets on the market these days, it’s a tech lover’s paradise. But if you’re hoping to buy a new Applie iPhone 13, let’s face it, it’s not cheap. With new SIM only models priced around £700, many people opt for second hand devices.
The second-hand mobile phone market is a good place to pick up older models for a bargain. Most parents won't want to shell out £700 for their child's first mobile, they may be thinking about a second-hand or refurbished phone instead.
But purchasing insurance for refurbished or second-hand phones is different to brand-new handsets so here is our guide to insuring your pre-owned gadgets.
Most insurers will only cover handsets if they have been bought through the network provider or manufacturer. This is because buying a mobile phone through a non-authorised reseller is considered more risky in terms of the condition of the phone. So unless you are planning to buy directly from either of these sources, you will struggle to find insurance cover at all.
We can also insure your gadgets if they were purchased second hand or gifted to you, provided that you have the original proof of purchase and a signed letter from the original owner confirming that you own the gadget(s).
The signed letter must include the following details of your gadget(s):
There is always the option to cover your mobile on your home insurance but these policies do not provide the same level of cover as a standalone policy from Protect Your Family. For example, it's unlikely that a home insurance policy will provide a replacement handset within 24 hours and most insurance policies won't include cover away from home.
Also, many travel insurance policies do not cover any electronic devices at all or only offer up to a certain amount to cover them, for example, one policy provided £500 cover for all devices. It's also very unlikely a second-hand device would be covered, especially without a proof of purchase.
A dedicated gadget insurance policy is a sensible option for anyone considering a second-hand mobile and Protect Your Family can help you find a policy that gives you the protection you need for just a few pounds a month.
Don’t forget, we also have a multi-device gadget insurance so you can insure up to 10 family devices in one bundle.
The gadgets can be owned or used by just yourself, or other members of your family, who live at the same address.
Multi-gadget policies are ideal for families with children who use their gadgets on school trips, or where the children are students living away from home.
You must be a UK resident aged 18 years or over to take out a gadget insurance policy through Protect Your Gadget. Gadget owners under the age of 18 are otherwise advised to ask a parent or other carer to purchase a policy on their behalf as long they all live in the same household.
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