Mobile & Gadget – Excess & Limits

Excess

A policy excess applies to each and every claim (this is the amount you must contribute towards the claim).

  • The policy excess under the Essential Plus Plan is £100 for each and every claim.
  • The policy excess under the Premier Plan is £150 for each and every claim.

An additional excess of £50 will apply to each claim occurring within the first 30 days of policy purchase or within the first 30 days from the date any gadget being claimed for is added to the policy. This additional excess will apply to both the Essential Plus and Premier Plans.

Limits

You can claim more than once in any one year but only up to the maximum of:

i-digital Essential Plus –

Each insured gadget is covered up to £1,500 per claim. Single items policies have a maximum claim limit of £3,000 in any one year.

There is no limit to the number of claims that may be made under our new multi item policy.

i-digital Premier –

Each insured gadget is covered up to £2,000 per claim. Single items policies have a maximum claim limit of £4,000 in any one year.

There is no limit to the number of claims that may be made under our new multi item policy.

The limit per year for Digital Download Insurance is £1,000 in addition to these limits.