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Gadget Frequently Asked Questions


Our Basic Cover will cover your device for Loss and Theft. It also covers Fraudulent Usage Cover, Accessories Cover and Worldwide Cover.

If your gadget claim is approved, we will replace any accessories that were lost, stolen or damaged at the same time as your gadget up to a maximum value of £150. Proof of purchase for the accessories will be required. This is in addition to the policy limit stated on your Schedule of Insurance.

Your gadget is covered for up to 90 days in total worldwide in any 12 month period of cover. Replacement or repair can only be dealt with once you are back in the UK.

Your device must be less than 18 months old at the start date of your policy as shown on your policy schedule.

Yes, we will need an original receipt and any other documentation required to prove your device was purchased as new in the UK directly from a manufacturer, network provider or retail store (high street or online) OR purchased as refurbished in the UK direct from the manufacturer or network provider. This must show the date of purchase, make, model, IMEI/Serial number of your device.

Yes, there is an excess fee applied every time you make a claim. You can select what you want your excess level to be as you go through and build your cover.

Our cover is instant. As soon as you have paid your cover will start on the date you have selected the policy to start from.

We understand that you need your device replaced as quickly as possible. That is why we aim to have a replacement device in your hands within 48 hours of a claim being approved.

We will provide a gadget of the same age and condition and specification (we cannot guarantee that it will be the same colour as the original gadget) or, if not available, one of comparable specification or equivalent value taking into account the age and condition of the original gadget. For clarity, this is not a ‘new for old’ policy and the replacement item can be a new or refurbished item of equivalent specification.

We currently only offer insurance on iPhones, smartphones, mobiles and tablets. We do cover some accessories, upto a limit of £150, that are in use with your device. Please see our policy wording for a full list of what accessories we cover.

Our Premium Cover will cover your device for Loss, Theft, Accidental Damage and Breakdown. It also covers Fraudulent Usage Cover, Liquid Damage, Accessories Cover, Cracked Screen and Worldwide Cover.

Your policy documents will be attached in your policy confirmation email. You can also access you policy documents at any time by logging into your online account.

If you haven’t received your login details or can’t find them call our customer service team on 0208 6269 454 or email and we will be happy to assist.

Our offices are open 9am – 5pm from Monday to Friday.

At CoverMy we never want to leave you without cover, so we’ll automatically renew your insurance unless you tell us otherwise. We’ll get in touch at least 21 days before your insurance is due for renewal, so you can cancel it or make any changes.

If you have any issues with, or questions about, your account you can contact us on by calling 0208 6269 454 or emailing us at and we will be more than happy to help.

You can cancel your policy within the first 14 days of the policy inception date, or upon receipt of your terms and conditions, whichever happens later. Unless you have made a claim during this period we shall refund your premium in full.

Please visit our ‘Make a claim’ section of the website to find the relevant number and steps to take.

Unfortunately we are not able to change your level during the policy term. Please contact our customer service team on 0208 6269 454 or email to discuss further.

When you took out your cover with us we would of automatically created you an online account. You should of hopefully received an email with your login details.

If you haven’t received this email or can’t find it then call our customer service team on 0208 6269 454 or email and we will be happy to assist.

Our offices are open 9am – 5pm from Monday to Friday.

Unfortunately at the moment you can’t amend your personal or cover details online. You will need to contact our customer service team on 0208 626 9454 or email to talk to our team who will be more than happy to help.

We realise that things can go wrong and there may be occasions when you feel that we have not provided the policy or service you expected. When this happens we want to hear about it so that we can try to put the matter right. It is important you know that we are committed to providing an exceptional level of service and customer care.

If you wish to make a complaint then you can refer to our policy wording for details or you can call 0208 6269 454 or email us at and we will be more than happy to help.

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