Smartwatch Insurance

Why should I insure my Smartwatch?

Smartwatches are becoming increasingly popular, with people using mobile apps to track their fitness levels; to access their mobile messages without having to pull out their smartphone; and even to tell the time. But wearable gadgets are even more exposed than those designed to be kept in a bag or pocket. And so if you have an expensive piece of wearable tech strapped to your wrist at all times, it is going to be prone to damage, loss or theft. This is what makes smartwatch insurance from so appealing. With it, you can protect your device of choice and have it repaired or replaced whenever something disastrous occurs. And because our smartwatch policies are inexpensive, you can secure cover to complement your home insurance, thereby avoiding the need to claim via that route with the associated risk of premium increases.

You will be covered against

Accidental & Deliberate Damage

Whether your Smart Watch is damaged accidentally or deliberately, your protection will let you make a claim for repair or replacement so you can get back to enjoying all your favourite apps and services.

Mechanical Breakdown

If the camera, display, battery or any other component suffers a fault which Apple’s warranty does not cover, repair costs will be paid by your Smart Watch insurance policy.

Liquid Damage

Spill a drink on an Smart Watch or drop it into any body of liquid and the damage can be repaired or the device replaced under the terms of your cover.


You're covered on Silver and Gold policies if your device is stolen. Where only part or parts of your device have been stolen, we will only replace that part or parts.

Worldwide Cover

Whether at home or abroad, world-wide Smart Watch insurance from will keep your handset safe, whether you smash it in Spain, drop it in Dubai or lose it in Lisbon.

Unauthorised Use

If your Smart Watch is used to make calls, send texts or download data by a third party without your permission, any costs you incur as a result of this usage can be recouped.

Are there any excess charges?

up to £100 UK Excess

up to £100 Loss of Device Excess

up to £100 Overseas Claim Excess

The Excess for an iPhone X is £100; the Excess for an iPhone 8 & 8+; A Galaxy Note 9, A Galaxy 8 & 8+ is £75. For all other Gadgets the Excess is £50.