Don’t let the broken gadget blues wreck your dream holiday
WHEREVER you are travelling this weekend keep a tight grip on your gadgets as many will not be covered by your travel insurance if they are lost or stolen.
The typical family holidaying this Easter will have with them an incredible £2,300 worth of high-tech appliances among their belongings – from smart watches and e-books to laptops, satnavs and digital cameras.
Many travellers may be oblivious to the potential financial loss because they pay for their phone by monthly contract. But a lost iPhone 8, for example, could mean a replacement bill of more than £900.
Website Travel Insurance Explained recently conducted research among 5,000 holidaymakers about what high-tech accessories they take with them. Nearly two thirds said they travel with at least one – a phone, camera, iPad or personal computer.
Fiona Macrae, head of the website, says: ‘Many travel insurance policies do not cover gadgets as standard and a majority specifically exclude mobile phones. Others offer low levels of cover – often £500 or less – and demand a high excess, the amount the policyholder must contribute to any claim.’
She says there are policies that offer good cover but holidaymakers need to check any limits, exclusions and excesses to avoid disappointment if they need to claim.
The age of a particular gadget might also prevent a payout with some providers only covering items that are less than two years old.
Martyn John, of comparison website Go-Compare, says: ‘Some travel insurance policies will only cover your tablet, camera, laptop and mobile phone if you pay for an add-on to the policy.
‘Some may also carry single item limits – so if you have got a particularly expensive piece of equipment, such as a camera, check it is covered.’
Georgia Pacquette-Bramble was relieved to find her policy with Postcard Travel Insurance covered her iPhone 7 when it was stolen while on holiday earlier this year.
The 24-year-old, from Chingford, East London, says: ‘I was on the last day of a two-week stay in Trinidad and I was buying lunch at a food truck. I had to reach up high to speak to the server. When I looked down my handbag was open and my phone and £40 cash had gone.’
She gave a statement to police and was told she was unlikely to see the phone or the money again. She says: ‘I had to show them my passport before they provided the relevant documents to pass to my insurer.’
Georgia, who is now in the process of making a claim for her £600 phone, says: ‘There is no excess to pay which is good news. I should also get a refurbished phone that is the same as the one I had taken.’
She is also lucky that her mobile automatically saved most of her holiday photos to the ‘cloud’ – a remote back-up system for data.