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Best-ofUK appliance and gadget insurance compared. When it pays off, when home contents covers you already, and how SmartCover fits.
Reviewed August 2026 · Reading time: ~9 minutes
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Appliance and gadget insurance covers repair or replacement for things like phones, laptops, tablets and white goods. It's a supplement to home contents insurance, which typically covers theft and named perils but often excludes accidental damage on gadgets.
| Category | Typical covered items |
|---|---|
| Mobile phone insurance | Loss, theft, damage, worldwide cover |
| Gadget insurance | Phones, laptops, tablets, cameras, smartwatches |
| Appliance insurance | Washing machines, fridges, dishwashers, TVs |
| Boiler cover | Central heating boiler + related components |
SmartCover offers accidental damage, theft, and mechanical breakdown for gadgets and appliances. Monthly billing, no long tie-in.
Before buying separate gadget cover, check your home contents policy. Many policies include:
If home contents already covers what you need, separate gadget insurance is duplication.
Manufacturer or retailer extended warranties on white goods (John Lewis, Currys, etc.) are usually poor value. Statistical repair rates over 5 years often below the warranty premium. Consumer rights under the Consumer Rights Act 2015 already give you cover for "not of satisfactory quality" for up to 6 years.
Depends on your boiler's age. New boilers rarely fail; old boilers fail often. £15-£20/month cover ≈ £180-£240/year. A single boiler replacement costs £2,000-£4,000.
Only if your home contents policy doesn't include personal possessions cover 'away from home' — check the policy schedule.
No. Cover only applies to future incidents. Pre-existing faults are excluded.
Unauthorised modifications, jailbreaking (mobiles), damage from misuse, leaving items visible in a vehicle.
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