Cover Cloud

Insurance types listed include gadgets, bicycles, travel, flight delays and pets.

Quick overview

Gadget policies include an option to cover multiple devices, while travel insurance is available for single trips and annual multi-trip cover.

Gadget insurance includes phones, laptops, tablets, cameras and games consoles among its listed device types.
Bicycle cover has two options, with travel and race add-ons available.
Travel insurance has three cover levels and includes screening for pre-existing medical conditions.
Flight delay insurance covers listed causes of delay for registered flights.
The website provides gadget policy documents and a contact form.

Introduction

Insurance types listed include gadgets, bicycles, travel, flight delays and pets.

Its gadget insurance includes cover for phones, laptops and other devices. Travel insurance is available for single trips and annual multi-trip cover.

What Cover Cloud offers

Gadget insurance includes individual and multi-gadget policies. Its range also includes bicycle insurance, travel insurance and flight delay insurance.

Product and service categories

Gadget insurance

Gadget insurance is available for smartphones, mobile phones, laptops and tablets. Other eligible device types include digital cameras, video cameras, games consoles, camera lenses and satellite navigation devices.

The list also includes Bluetooth headsets and speakers, e-readers, headphones, earphones, smart watches and wrist-worn health and fitness trackers. Multi-gadget insurance can cover more than one gadget on a single policy.

The gadget insurance page describes cover for accidental damage, liquid damage and theft, subject to policy terms.

Bicycle insurance

Bicycle insurance is available with two cover options. One option lists theft at home and on the go, third-party cycling liability, legal assistance, sportives and events, and bike rental.

Crash and accidental damage cover is listed with the other option. Optional cover includes a travel add-on for accidental damage to a bike, gear and accessories for up to 120 consecutive days.

Travel insurance

Travel insurance is available for individuals, couples and families, with single-trip and annual multi-trip options. The site also lists medical travel insurance and screening for pre-existing medical conditions.

There are three travel cover levels. Gadget cover and flight delay cover are included with two of them. Options include cover for cruises, business trips, golf holidays, and a range of sports and activities.

Travel policies include a 24-hour medical emergency helpline and a repatriation service if medically necessary. Cover is subject to policy terms and conditions.

Flight delay insurance

Flight delay insurance is offered for registered flights delayed by more than three hours. The listed causes of delay include mechanical faults, bad weather, industrial action, volcanic ash and airport damage.

Pet insurance

Pet insurance is also listed.

Browse the full range on the Cover Cloud website.

More Info

Brands named on the site

Phone insurance includes cover for iPhone, Samsung, Google Pixel and Huawei phones. Bicycle insurance is offered through Laka, and flight delay insurance through DelayOK.

Using the website

Gadget insurance policy wording and insurance product information documents are available on the site.

A contact form can be used for questions or policy changes. The gadget FAQ also says changes to insured gadgets can be reported through an online account.

Frequently asked questions

The gadget FAQ details apply to the policy described in the FAQs. Those with an earlier policy are asked to check their policy wording.

Can a gifted or second-hand gadget be insured?

Yes, the gadget FAQ says this is possible with the original proof of purchase and a letter from the person who gave the gadget to you. For a claim, it asks for the original receipt from the first owner and a signed letter confirming that you own the device.

Is there an age limit for a gadget?

A gadget must be no more than 36 months old when cover is first bought for it. The age limit does not apply when renewing cover for an existing gadget.

Do built-in gadget security features need to be active?

Where a gadget has built-in security features, the policy requires them to be active during the insurance period. They must also remain active throughout a claims process.

How are gadget claims made?

Gadget claims can be made online only. The FAQ asks for original receipts for the gadget and for any accessories included in a claim.

Does gadget insurance cover trips abroad?

Gadget cover applies abroad for a maximum of 90 days on any one trip, with no limit on the number of trips. Cover stops after 90 days on a longer trip, and excludes travel to places where the Foreign, Commonwealth and Development Office has a travel warning in place.

Key takeaways

Gadget insurance covers a range of device types, with a multi-gadget policy option.
Bicycle insurance has two cover options and optional travel and race add-ons.
Travel insurance includes single-trip and annual multi-trip options.
Flight delay insurance covers listed causes of delay for registered flights.
The site provides policy documents and a contact form.

Summary

The insurance types listed include individual and multi-gadget policies, bicycle and travel cover, and flight delay insurance. Shoppers can use the gadget policy documents and FAQ to check the conditions for their devices and cover.