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Ever had an Oops moment?

Oops offer specialist gadget insurance at ultra competitive prices. Why pay more for the same protection? Oops includes every type of cover you need, giving you total peace of mind.

Get Insurance for all your gadgets including smartphones, tablets, iPads and smartwatches. We even cover laptops, games consoles earphones and headphones. With our policies accessory cover is included up to £150.

Cover starts from just £3.29 per month and includes accidental damage, theft, loss*, liquid damage, fraudulent usage and much more.

We have over 30 years industry experience and are rated 4.8 out of 5 on Feefo due to our amazing customer care.

Want to compare our prices? We’ve done the hard work for you!

Comparison is for the monthly premium for Oops Gold Cover for an Apple iPhone 11 64GB.

Oops Gadget Insurance£6.91
Loveit Coverit£7.89
Tinhat£7.99
So Sure£9.25
Protect Your Bubble£9.49
Switched On Insurance£9.75
Debenhams Insurance£10.75
Prices are checked weekly and last updated 17th May 2020.

Unlimited Claims

Loss & Theft*

Accidental Damage

Liquid Damage

Worldwide Cover

Fraudulent Usage

Smartphone Insurance

Your smartphone contains everything important in your life. If you cannot live without yours, get it covered with Oops Gadget Insurance.

Whatever your brand, we have probably got it covered. From Apple to ZTE, we have an extensive list of makes and models including budget through to top of the range.

Get a quick quote in seconds and get protected within minutes.

iPad and Tablet Insurance

Whether you use it for your business or purely for leisure, your tablet computer combines all the features of a laptop but with higher portability.

The high cost of some tablets and iPads and the reliability you place on them means protecting them is a must. Get it covered with Oops Gadget Insurance.

Whatever your brand, we have probably got it covered. From Apple to Lenovo, we have an extensive list of makes and models including budget through to top of the range.

Get a quick quote in seconds and get protected within minutes.

Laptop Insurance

Can you or your business afford to be without your laptop? Get it covered with Oops Gadget Insurance.

We cover Apple, Google, HP, Microsoft and Lenovo. Get a quick quote in seconds and get protected with just a few clicks.

Our Laptop cover includes, damage, loss, theft, breakdown and more. We even cover overseas trips with our worldwide cover.

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Apple Watch and Smartwatch Insurance

Wearable technology is on the rise and one of the most useful items are smartwatches. From listening to music, answering the phone or even taking an ECG, smartwatches are becoming the must have lifestyle gadget.

The cost of losing or breaking your smartwatch can be very expensive so we offer great cover should the worst happen.

We cover a wide range Apple and Samsung models. Get a quick quote in seconds and get protected with just a few clicks.

Our smartwatch cover includes, damage, loss, theft, breakdown, worldwide fraudulent usage and more.

Headphones Insurance

Can you afford to replace your earphones or headphones? Get them covered with Oops Gadget Insurance.

We cover Apple, Beats, Bose, Samsung and Sony. Get a quick quote in seconds and get protected with just a few clicks.

Our headphones cover includes, damage, loss, theft, breakdown, worldwide cover and more.

Camera Insurance

Replacing or repairing a camera can be very expensive. Get it covered with Oops Gadget Insurance.

We cover GoPro and Sony. Get a quick quote in seconds and get protected with just a few clicks.

Get covered for damage, loss, theft, breakdown and more. We even cover overseas trips with our worldwide cover.

What’s covered?

  • Unlimited Claims

    Yes, you read that correctly. You have as many repairs and replacements as you need within the policy limits.

  • Accidental Damage

    If your phone is rendered inoperable from accidental damage. No problem, we will fix or replace it for you.

  • Cover for Theft

    That gut wrenching feeling when you know someone has decided to pinch your phone! No problem, we will replace it for you.

  • Cover for Loss

    Unfortunately, loss is not included on Silver cover.

  • Breakdown Cover

    If your phone is rendered inoperable from accidental damage. No problem, we will fix or replace it for you.

  • Cracked Screen

    If your gadget is rendered inoperable from a shattered screen. No problem, we will fix or replace it for you.

  • Liquid Damage

    If your phone is rendered inoperable from liquid damage. No problem, we will fix or replace it for you.

  • Worldwide Cover

    You will want to take your phone on holiday and or on business trips, so wherever you are in the world, you’re still covered.

  • Fraudulent Usage

    If your phone is stolen and used fraudulently, we will reimburse up to £10,000 of your network charges.

  • Accessories Cover

    Your policy will cover your accessories up to a limit of £150 in anyone policy year.

  • Unlimited Claims

    Yes, you read that correctly. You have as many repairs and replacements as you need within the policy limits.

  • Accidental Damage

    If your phone is rendered inoperable from accidental damage. No problem, we will fix or replace it for you.

  • Cover for Theft

    That gut wrenching feeling when you know someone has decided to pinch your phone! No problem, we will replace it for you.

  • Cover for Loss

    That heart stopping feeling when you reach for your phone and realise it’s not there. No problem, we will replace it for you.

  • Breakdown Cover

    If your phone is rendered inoperable from accidental damage. No problem, we will fix or replace it for you.

  • Cracked Screen

    If your gadget is rendered inoperable from a shattered screen. No problem, we will fix or replace it for you.

  • Liquid Damage

    If your phone is rendered inoperable from liquid damage. No problem, we will fix or replace it for you.

  • Worldwide Cover

    You will want to take your phone on holiday and or on business trips, so wherever you are in the world, you’re still covered.

  • Fraudulent Usage

    If your phone is stolen and used fraudulently, we will reimburse up to £10,000 of your network charges.

  • Accessories Cover

    Your policy will cover your accessories up to a limit of £150 in anyone policy year.

Silver Cover
  • Unlimited Claims

    Yes, you read that correctly. You have as many repairs and replacements as you need within the policy limits.

  • Accidental Damage

    If your phone is rendered inoperable from accidental damage. No problem, we will fix or replace it for you.

  • Cover for Theft

    That gut wrenching feeling when you know someone has decided to pinch your phone! No problem, we will replace it for you.

  • Cover for Loss

    Unfortunately, loss is not included on Silver cover.

  • Breakdown Cover

    If your phone is rendered inoperable from accidental damage. No problem, we will fix or replace it for you.

  • Cracked Screen

    If your gadget is rendered inoperable from a shattered screen. No problem, we will fix or replace it for you.

  • Liquid Damage

    If your phone is rendered inoperable from liquid damage. No problem, we will fix or replace it for you.

  • Worldwide Cover

    You will want to take your phone on holiday and or on business trips, so wherever you are in the world, you’re still covered.

  • Fraudulent Usage

    If your phone is stolen and used fraudulently, we will reimburse up to £10,000 of your network charges.

  • Accessories Cover

    Your policy will cover your accessories up to a limit of £150 in anyone policy year.

Gold Cover
  • Unlimited Claims

    Yes, you read that correctly. You have as many repairs and replacements as you need within the policy limits.

  • Accidental Damage

    If your phone is rendered inoperable from accidental damage. No problem, we will fix or replace it for you.

  • Cover for Theft

    That gut wrenching feeling when you know someone has decided to pinch your phone! No problem, we will replace it for you.

  • Cover for Loss

    That heart stopping feeling when you reach for your phone and realise it’s not there. No problem, we will replace it for you.

  • Breakdown Cover

    If your phone is rendered inoperable from accidental damage. No problem, we will fix or replace it for you.

  • Cracked Screen

    If your gadget is rendered inoperable from a shattered screen. No problem, we will fix or replace it for you.

  • Liquid Damage

    If your phone is rendered inoperable from liquid damage. No problem, we will fix or replace it for you.

  • Worldwide Cover

    You will want to take your phone on holiday and or on business trips, so wherever you are in the world, you’re still covered.

  • Fraudulent Usage

    If your phone is stolen and used fraudulently, we will reimburse up to £10,000 of your network charges.

  • Accessories Cover

    Your policy will cover your accessories up to a limit of £150 in anyone policy year.

Buy online

Get covered in a couple of minutes via your smartphone, laptop or tablet

30 years experience

Our team have decades of experience in the insurance industry

AA- rated insurer

AXA are an international rated AA- insurer and a household name

Information and Documents

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This cover meets the demands and needs of those who wish to insure their gadgets against theft, accidental damage, breakdown for mobiles phones, tablets and smartwatches; accidental loss. This is not a replacement as new policy. Your gadget will be repaired, if possible, and replaced with a like for like refurbished model.

IPID

It is important that you read this document carefully along with the Policy Wording provided for full details of the policy, including what you are covered for and any exclusions or limitations on the policy.

It is important that you read this document carefully along with the Insurance Product Information Document provided for full details of the policy, including what you are covered for and any exclusions or limitations on the policy.

It is important you check that this policy meets your needs and you make sure the information you have given us is correct. You must tell us if this information is wrong, or if it changes. You have responsibility to take reasonable care not to make a misrepresentation. Should you be careless in answering the questions required to obtain a quotation and subsequently take out cover, or deliberately make a misrepresentation then it may be that this affects our decision to pay a claim.

An excess is payable for each successful claim. Details on the amount are highlighted in section 7 in the policy wording under “WHAT WE WILL NOT COVER”.

To report lost or stolen gadgets to the Police and where applicable your network provider as soon as possible.

Tell us about your claim as soon as possible.

You may need to send us proof of purchase/ownership of the gadget before we will settle your claim.

You must make a reasonable attempt to report a lost or stolen gadget missing to the place it was lost/stolen from.

You need to be able to provide your gadget to support a claim for damage or breakdown, if you are unable to provide this then this will be classed as a lost gadget.

Gadgets need to be in your possession and in good working order prior to the start date of the insurance.

For cover to be in place you must pay the agreed premium and if you make a claim any excess as shown on your schedule.

You can pay your premium as a one off payment annually or in monthly instalments.

Payment can be made by direct debit or debit/credit card.

The insured gadget should be in good and working condition when the policy is purchased.

Any claim made, or any event causing the need for a claim to be made, that occurs within the first 14 days of the inception date of the policy. If your gadget is less than 60 days old on the date you insure it, then this clause does not apply, and your cover begins immediately.

You must be able to provide evidence of ownership in the event of a claim.

The gadget(s) must not be more than 1 years old, must be purchased in the UK as new, or if refurbished, purchased with a full 12-month warranty, and you must be able to provide evidence of ownership when it is requested.

The excess fee must be paid before settling any claim.

* Optional loss cover available on phones, smartwatches, tablets and iPads.

Best Selling Models

Frequently Asked Questions

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Can I claim within the first 14 days?

It depends. You cannot claim within 14 days of the start date of your policy unless your gadget is less than 60 days old on the date you insure it, then this clause does not apply, and your cover begins immediately.

Can I cancel my policy?

Yes. You can cancel within 14 days of the start date of your policy without charge. Charges may apply if you cancel after 14 days. Please see the policy wording for full details of all charges.

Are cosmetic damages covered?

Damage is only covered if the device is unusable or doesn’t work as it did when it left the factory. For example, if the buttons don’t work, an area on the screen isn’t recognising your touch and obviously if the screen is cracked etc caused by an Oops moment then you’re covered. If our expert engineers are unable to repair, it then we will send you a replacement. Please see terms and conditions.

Is there an excess fee?

Yes. Like most insurance policies we charge an excess that is payable once you make a claim. These are as follows:

Gadget Value and Excess
up to £250 when new – £50 for any claim
between £251 to £750 when new – £75 for any claim
over £751 when new – £100 for any claim

See the policy wording for full terms and conditions.

Am I covered if I bought my device from an online auction site?

Yes. You can insure devices bought on an auction site provided that they are purchased new and you have a valid Proof of Purchase that details the make, model, condition and IMEI of the gadget in your name. You must have purchased your gadget from a company and not an individual. You can also insure refurbished gadgets purchased from an auction site provided they are sold with 12 months warranty.

Is there an age limit on the gadgets that I to want insure?

Yes – Unless you are renewing your policy the gadget must be less than a year old from when it was purchased. If you are renewing your policy with us the 12 month age limit does not apply.

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Am I covered for incidents occurring before my policy start date?

No – Insurance policies only provide cover for incidents that occur after you have purchased a policy.

Will I be charged interest to pay monthly?

Yes – Oops has teamed up with Red Apple Finance to offer monthly payment terms. Red Apple Finance charge 10% interest on a 12 month policy with an APR 19.50%.

How long will my claim take?

This depends on whether the claim is for breakdown, damage or loss and theft. We aim to have you back up and running as soon as possible.

What happens when you replace my device?

If we decide to replace your device instead of repairing it, the replacement may be an identical item of the same age and condition or we will replace it with one of comparable specification or the equivalent value taking into consideration the age and condition of the original item. Where we send you a replacement or repaired item, this will only be sent to a UK address.

Will you pay for repairs I if arrange repair myself?

No – We will only pay for repairs that are undertaken by our approved repairers. We also need to assess the device  in order decide whether we are responsible for repairing or replacing it.

Do the repairs or replacements come with a warranty?

Yes. Replacement devices will come with 12 months warranty and all repairs will come with a 3 month warranty.

Need to claim?

Logging a claim is quick and easy.

You can log a claim in your customer portal 24 hours per day 365 days of the year.

Alternatively, if you purchased your insurance before the 27th February 2020 you can telephone the insurer PEX Insure on 0203 745 2812. Claims can also be emailed to the insurer to claims@pexinsure.com.

If you purchased your insurance after the 27th February 2020 then please telephone the insurer on 0345 074 4810. Claims can also be emailed to the insurer to gadgetclaims@directgroup.co.uk. Alternatively, you can log your claim directly in the gadget claims portal by clicking here.

Please note we do not make any decisions about the acceptance or otherwise of any claim. This is dealt with by your insurer. All claims are handled by Davies Group on behalf of the insurer.

Please make sure you have complied with the policy wording to ensure that the insurer accepts and resolves your claim in a timely manner. To make a claim you must meet certain requirements as outlined in the Policy Wording and Insurance Product Information Document.