Travel insurance with gadget cover

As with any insurance policy, travel insurance with gadget cover has its limitations. Here are some common exclusions to look out for:

• Pre-existing damage or manufacturer defects: Any issues your device had before your policy started won't be covered.
• Wear and tear or cosmetic damage: The usual aging and everyday use of your gadgets won't be covered.
• Negligence: If you damage your device because of careless behaviour, or lose it because you left it unattended, it won't be covered.

• Loss or theft not reported quickly enough: This'll depend on your insurer, but there's normally a window in which loss or theft should be reported. For example, 24 hours. After this time has passed, your insurance might not cover you.
• Viruses, loss or damage to data: Gadget insurance is unlikely to cover this. So, it's worthwhile installing anti-virus software and backing up your data to the cloud or an external drive before you travel.
• The number of gadgets: There's usually a maximum number of gadgets covered. Check for this in your policy details. Any additional gadgets you take won't be covered.

Keep your valuables safe

Keep your devices in a secure location, like a hotel safe or a locked compartment in your luggage. When you're out and about, keep them in a discreet, secure bag.

Invest in protective gear

A high-quality case and screen protector can help protect your device from drops, spills and other mishaps that can happen while you're travelling.

Watch out for roaming charges

Before you go, check your if your phone provider charges for using data abroad - otherwise known as roaming charges. It might be worth getting an eSIM for your trip to make it easier to connect to local networks.

Back up your data

Before you travel, make sure all your important data is backed up to the cloud or an external drive. That way, if you lose your device, you won't lose your photos or important documents.

Be mindful of public WiFi

Avoid accessing sensitive information, like online banking, on unsecured networks. Consider using a virtual private network (VPN) to keep your data safe when using public WiFi.

Use strong passwords and enable tracking

Make sure all your devices are protected with a strong password. Enable features like 'find my iPhone' or 'android device manager' to help locate your device if it's stolen.