12% off Gadget Cover

Why Choose Us?

How many gadgets do you own? A phone? A tablet? A laptop? What about a smart watch, fitness tracker or wireless earphones?


Tech and gadgets are a big part of everyday life. Think about how you feel when you lose your network connection for just a few minutes, imagine how you’d feel losing or breaking one of the devices you depend on and not being able to use it for days


As technology advances, mobile phones and gadgets aren’t getting any cheaper. If the worst happened, could you afford to pay up to £1,200 in one go for a replacement?


Usdaw Members receive 12% discount when you enter code UNION53 at checkout.


UIA has partnered with Tinhat to offer insurance for mobile phones, tablets and other gadgets.

UIA Mutual gadget insurance is arranged by Tinhat, a trading name of Bastion Insurance Services Ltd.


Service, Awards, Experience

What's Included

  • The gadget must have been 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.

  • Gadgets must be less than 12 months old when you first buy your gadget insurance from us.

  • Any excess fee must be paid before settling any claim.

  • UIA Gadget Insurance complements our Contents Insurance, read our comparison.

Our gadget insurance covers

  • Theft
  • Loss (optional for mobile phones and tablets only)
  • Accidental damage
  • Liquid damage
  • Breakdown
  • Unauthorised calls (up to £10,000)
  • Unlimited claims
  • Unlimited worldwide cover
  • £150 accessories cover

Our gadget insurance doesn’t cover

  • Loss of data or software
  • You deliberately damaging, intentionally leaving or neglecting the gadget, servicing, inspection, maintenance or cleaning; or any cosmetic damage.
  • We will not cover any breakdown for laptops.
  • Any claim for fraudulent call use if your claim is not accepted or itemised bill detailing the charges is not provided.
  • Servicing, inspection, maintenance or cleaning; or any cosmetic damage

To find out more about our Gadget Insurance Policy, including what is and what isn't covered and information about payments, please read below:
Terms & Conditions

The gadget(s) must not be more than 12 months old, must be purchased in the UK as new, or if refurbished, purchased with a full 12-month warranty.

Your gadget will be covered for as long as you insure your gadget(s) with us beyond the 12-month point.

How to make a claim?

In the unfortunate event that you need to make a claim you should contact Direct Group, our claims administrator, as soon as reasonably possible from discovery of the incident (or in the event of an incident occurring outside of the United Kingdom, on returning to the United Kingdom).

Alternatively, you can start your claim by calling or emailing the claims team:

Simply email gadgetclaims@directgroup.co.uk.

Call 0345 074 4810. The call centre is open from 8:30am to 6:30pm Monday to Friday, and from 8:30am to 1:00pm on Saturday.

When making a claim you'll need the following information

  • Your policy number
    This can be found in the policy schedule that we sent to you when you purchased your policy.
  • Details of the device being claimed for
    For example, make, model and IMEI number. Your IMEI will be listed on your policy schedule and is also on your evidence of ownership.  You can also access your IMEI number in your phone settings.
  • The circumstances of your claim
    You will need to be able to fully explain the circumstances in which your phone got lost, stolen or damaged.
  • Evidence of ownership
    In order for your claim to be approved you will need to send in evidence of ownership for the device that you’re claiming for. We require this to combat fraudulent claims.

Additional steps to take if your phone was lost or stolen

  • Report the theft or loss to your airtime provider
    within 24 hours of discovery, and blacklist your handset.
  • Report the theft or loss to the police
    within 48 hours of discovery. Simply call 101 (the non-emergency police number) and obtain a crime reference number in support of a theft claim or a lost property number in support of a loss claim.
  • Taking these steps is a requirement of our policies, but it also ensures that any unauthorised use of your mobile is kept to a minimum and increases the chance of the police recovering your device.

UIA Mutual gadget insurance is arranged by Bastion Insurance Services Ltd, an insurance intermediary authorised and regulated by the Financial Conduct Authority in the UK under registration number 650727. You can visit the Financial Conduct Authority website, which includes a register of all regulated firms, at www.fca.org.uk/firms/systems-reporting/register