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We’ve all had it. That stomach-drop moment when your phone slips from your grasp and lands face-down on the pavement. You hold your breath for a second before you dare to pick it up. Or the panic when you pat your pocket and realise your wallet is there, but your phone isn’t. The cost and headache of replacing modern gadgets—from phones and laptops to smartwatches—is a serious financial sting. Loveitcoverit has built its entire brand on being the specialist safety net for these exact moments. But is it worth the monthly cost?
What You Get with Loveitcoverit
- Mobile Phone Insurance: This is their core service. It provides comprehensive cover for accidental damage (smashed screens, liquid), theft, and mechanical breakdown for major brands like Apple and Samsung.1
- Watch Insurance: A standout feature. This doesn’t just cover smartwatches like the Apple Watch; it also covers traditional luxury watches like Rolex, Omega, and TAG Heuer.
- The “Love-it-List” Policy:This is their best value proposition. It allows you to bundle multiple gadgets (phone, laptop, tablet, camera) under one single, manageable policy.
- Trust & Claims: They boast a 24/7 online claims portal and an “Excellent” 4.6-star rating from over 16,000 Trustpilot reviews, which speaks volumes in the insurance world.
The Problem with ‘Just Being Careful’
“I’m careful with my things” is a phrase that works right up until the moment it doesn’t. The reality is, we live with these devices. We take them to the gym, on the train, to coffee shops, and on holiday. Manufacturer warranties like AppleCare+ are a good start, but they are limited. They typically only last two years, and standard cover doesn’t protect you from theft or outright loss, only damage.
What about home insurance? Most contents insurance policies are a poor fit for gadgets. First, the excess (the amount you pay on a claim) is often hundreds of pounds, sometimes more than the repair itself. Second, many policies don’t cover your items once you leave the house. That laptop stolen from your car or phone left in a taxi? You’re probably not covered. This is the gap that specialist gadget insurance is built to fill.
What Does Loveitcoverit Actually Cover?
A policy is just a promise, so the details matter. Loveitcoverit has structured their plans to cover the most common disasters.
- Accidental Damage: This is the big one. It includes the classic smashed screen, dropping your device, or spilling a full cup of coffee on your laptop.2 Liquid damage is specifically included, which is a common exclusion elsewhere.3
- Theft: If your device is stolen (from your person, your bag, or your car), you’re covered for a replacement.4 This requires a crime reference number, which is standard practice.
- Mechanical Breakdown: This benefit kicks in after your manufacturer’s warranty has expired. If your phone or laptop just dies of natural causes in its third year, this policy will cover the repair or replacement.
- Optional Loss Cover: This is a crucial detail. “Loss” (as in, you just plain lost it) is often an add-on. If you’re the type to leave things in taxis or at restaurants, paying the small extra fee for “Loss” coverage is probably a wise move.
- Worldwide Cover: All policies include worldwide cover as standard.5 This means if you smash your phone on holiday in Spain or your camera is stolen in New York, your policy is still valid. This is a significant benefit for anyone who travels.
The “Love-it-List”: Why Bundling Is Smarter
This is, in my opinion, their most compelling product. Most of us own a small ecosystem of expensive tech. You might have an iPhone, an Apple Watch, a MacBook, and maybe a tablet or camera. Managing separate insurance policies for each one is a costly, administrative headache.
The “Love-it-List” lets you add multiple items to one single policy. This simplifies everything. You have one monthly payment and one point of contact if anything goes wrong with any of your items. It’s almost always cheaper than insuring each item individually. You can also add and remove gadgets as you buy or sell them, so the policy flexes with your collection. For a household or a tech enthusiast, bundling multiple gadgets is a much more logical and economical approach.
But Is the Claims Process a Nightmare?
This is the most important question for any insurance review. A cheap policy is useless if the company vanishes when you need them. The single biggest fear is being buried in paperwork and loopholes.
This is where those 16,000+ Trustpilot reviews become so important. You can’t fake that level of feedback. It suggests that, for the vast majority of people, the process works. They offer a 24/7 online claims portal, which is a modern standard.6 It means you can report your stolen phone at 2 AM without waiting for an office to open.
Like all insurance, there is an excess fee. This is the fixed amount you contribute toward the claim. It’s important to check what this fee is before you buy, as it can vary depending on the device. A low monthly premium might mean a higher excess, so find the balance that’s right for you. The key is that they appear to have a straightforward claims process that is transparent about these costs.
How It Compares to Other Options
It’s worth putting this in context.
- Against Network Insurance (from O2, EE, etc.): The insurance offered by your phone network is convenient, but it’s often more expensive and less flexible. It’s tied to your contract, and the cover can be restrictive.
- Against Home Insurance: As mentioned, the high excess and “out-of-home” exclusions on most contents policies make them a bad choice for portable gadgets. Making a small claim for a phone can also cause your entire home insurance premium to spike the following year.
- Against AppleCare+: Apple’s own plan is excellent for damage, but it’s not a full insurance policy. It doesn’t cover theft or loss unless you pay for their top-tier plan, it only lasts for two years, and it only covers Apple products. Specialist gadget cover like this can cover older devices and is more comprehensive.
Who Is This For?
After digging through the policies, Loveitcoverit isn’t for everyone. If you’re still using a five-year-old phone with a cracked screen, it’s not a fit.
This service is built for people who have a significant amount of money tied up in their personal tech. It’s for the person with a brand new iPhone 15 Pro, a Galaxy Watch, and a MacBook Air. It’s for the traveller who needs true worldwide cover, the freelancer whose laptop is their livelihood, or the family who just kitted out their kids with new tablets.
The monthly fee is essentially a small payment for peace of mind.7 You’re paying to erase the financial panic of that “smashed screen” moment. Given the high cost of today’s tech, that’s a service that makes a lot of sense.
