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Accidental Damage Cover

This common feature of gadget insurance covers repair or replacement costs if your gadget gets damaged accidentally, such as from dropping it or spilling liquid on it.

Theft and Loss Cover

Many gadget insurance policies cover theft and loss, ensuring you can replace your gadget without significant out-of-pocket costs. Some policies might only cover theft but not loss, or require an additional premium for loss cover.

Unauthorised Usage Cover

If your gadget is stolen and used fraudulently, this cover can reimburse the costs, such as unauthorized calls, texts, or data usage on your mobile phone.

Worldwide Cover

Many gadget insurance policies provide worldwide cover, so your gadget is protected not just at home in Ireland, but also when you travel abroad.

Accessories Cover

Some policies include cover for accessories like chargers, cases, and headphones that are lost, stolen, or damaged at the same time as your gadget.

Cover for Older Gadgets

While many insurers have age limits for gadget insurance, some offer cover for older gadgets. However, the premiums, excess, and terms of coverage may be different compared to newer gadgets.

Breakdown Cover

If your gadget stops working due to a mechanical or electrical fault outside the manufacturer’s warranty period, breakdown cover can pay for the repair costs.

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Everything you need to know about Breeze gadget insurance

Q1: What devices are covered under gadget insurance?
Gadget insurance in Ireland usually covers a wide range of electronic devices such as smartphones, tablets, laptops, cameras, smartwatches, gaming consoles, and more. However, the specific devices covered can vary by policy, so you should check with your insurer.
Q2: Does gadget insurance cover accidental damage?
Yes, most gadget insurance policies cover accidental damage. This can include scenarios such as dropping your gadget and cracking the screen, or spilling a drink on your gadget and causing water damage.
Q3: Are my gadgets covered when I travel?
Many gadget insurance policies in Ireland offer worldwide cover, which means your gadgets are covered for damage, theft, and sometimes loss, both at home and when you are travelling abroad. However, there may be limits on how many days abroad are covered in a year.
Q4: Does gadget insurance cover unauthorised calls or data usage?
Yes, many gadget insurance policies in Ireland cover unauthorised calls or data usage if your device is stolen. There is typically a limit on the amount the insurer will pay for such usage, and you may need to report the theft and unauthorised usage to your network provider within a certain timeframe.
Q5: Can I cover multiple gadgets on one policy?
Yes, many insurers offer multi-gadget policies that allow you to cover several devices under one policy, often at a discounted rate compared to insuring each gadget separately.
Q6: Does gadget insurance cover loss?
Not all gadget insurance policies automatically cover loss, but many insurers offer this as an optional extra. It’s worth considering if you’re prone to misplacing your devices, but remember to check the specifics of what constitutes a ‘loss’ in your policy document.