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Tech traveller: Insure more?

Standard home and travel insurance usually doesn't cover high-cost electronic devices. So how to stay protected?

By Kate Russell
Published 9 Apr 2019, 00:20 BST, Updated 12 Jul 2021, 13:37 BST


Photograph by Getty Images

Most of us pack at least one high-tech gadget for our travels, but how many of us have adequate insurance? The cheapest policies won't cover high-cost electronics. Check the 'single item limit' in the small print to confirm this. And while your home insurance policy might include cover for personal items while away, you should make doubly sure this includes foreign travel. 

Some mobile phone contracts might cover you for foreign travel, but if not you can take out a specialist gadget policy. Premiums start from around £1.50 a month, but read the terms carefully so you know what's included and required; for example, many policies require you keep laptops in your hand-baggage, but due to terror alerts some flights between the UK and US now require you to put them in the hold. Also be aware that if you don't have the original receipt for your gadget it's highly unlikely an insurer will pay out on a claim. 

One last tip for the smart traveller: take a photo of all the items you intend to travel with, laid out on the floor before packing. You can use an app like Snupps to tag and catalogue everything. That way, if your case does go missing you have a clear record of what you lost, making the insurance claim process a lot less painful. Otherwise, consider leaving your most expensive kit at home.

Get the gadget: Skyroam Solis

For the connected traveller, getting online and staying charged up will be a lot easier with this smart wi-fi hub and battery bank. The Solis allows up to five devices to connect simultaneously, delivering 4G LTE mobile wi-fi speeds in over 100 countries. There's no fiddly sim card switches as the hub uses an internal 'virtual sim', which links to an online portal where you can buy 24-hour unlimited data passes for $9 (£6.80) a day. Just connect your device, then activate a pass that continues delivering fast mobile data even if you cross borders. It comes with an adapter to charge up your device if you run out of power. RRP: $149.99 (£115) plus $9 (£7) a day data.

Kate Russell is a technology reporter for @BBCClick and author of Working the Cloud

Follow @katerussell

Published in the December 2017 issue of National Geographic Traveller (UK)

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