loveit coverit specialise in gadget insurance, delivering comprehensive policies with excellent value.
- 950,000 devices insured in Europe
- Fully authorised and regulated
- Insuring gadgets in Ireland for 10 years
- 30 years of industry experience
Despite having helped over 1 million customers get affordable, comprehensive cover for the devices they love, a lot of people still have questions regarding gadget insurance. To make sure you’re in the know, we’ve responded to these questions with frank, informative answers:
It’s pretty simple really: you pay a monthly fee that covers your gadget in the event of theft or accident. If anything happens to your device, you can make a claim. Provided that the issue is covered under your policy, you pay the excess charge, send the gadget off, and have it repaired or receive a replacement.
Once you’ve made a successful claim and received a replacement device, you’re more than welcome to cancel a policy, though you won’t be covered for any further issues. If you try to cancel while a claim is on-going, there’s a chance that you’ll invalidate the claim and be unable to get a replacement. Always check your providers terms and conditions to be sure.
Unless specifically stated otherwise, your gadgets will be cover under your home insurance policy if you lose or break it in the property, or if it’s stolen from your home. Some home insurance policies allow you to add optional extra which means your gadget will be protected outside of the home, but this will increase your premiums. To ensure peace of mind and save money, it’s always better to get specialised cover.
Our policies protect you against theft, accidental damage – including mechanical breakdown, screen damage, and liquid damage. This insurance policy also covers you worldwide, so not matter where you are, you’ll be able to claim.
It depends on the make and model of your phone. An older model that has less market value will cost very little to insure monthly, whereas a brand-new gadget will cost a bit more.
Once you’ve found a gadget insurer that works for you, at the right price, all you have to do is fill in a simple online form about your device and set up a payment plan – it’s that easy! For devices that don’t appear on the website – that may be older or unique – all you have to do is ring up the insurance company and tell them about your device. Once that’s done, they’ll be able to tell you if your device is eligible for cover.
In order to protect your privacy, all phone data is wiped once it is sent to our repair centre. Standard checks are performed, such as IMEI searches to ensure that the device is not insured elsewhere and trader alerts to check that the device isn’t up for sale, however, these should not interfere with any data on the device.
We've details exactly what is not covered in the Policy Excess and Key Exclusions and Limitations pages.
We can insure older devices, however all mobile phones or tablets must have been purchased from a VAT registered UK/Republic of Ireland supplier and no more than 3 years old (from the policy start date).
No, we won't cover non-genuine devices in our policies. However, refurbished devices that come with a manufacturer’s warranty or the original proof of purchase (if the device was bought second-hand), we will insure.
loveit coverit is an established company within the gadget insurance sector. We are a specialist insurance provider with 3 decades of experience under our belts. You can trust in our brand and our mobile phone and tablet insurance policies. As part of AGS Pier GmbH and the parent company, Pier Insurance Managed Services Ltd, the company is fully authorised and regulated.
This can be found in your Policy Excess documents.
We understand the inconvenience that being without a phone or tablet can cause, which is why we endeavour to have a replacement device in your hands within 48 hours of us approving your claim.
No, there is no minimum period of cover. When you purchase an annual policy, we will contact you approximately two weeks before your renewal date and offer to renew it. We will automatically process your renewal if you don't advise us to cancel your policy at this time.
You must be 18 years old or over and an Irish resident if you wish to take out a policy. If you are under 18, then a family member can take out the policy on your behalf with their consent.
Please feel free to email us at firstname.lastname@example.org and we will happily help you.
Parents can insure their children's devices on their behalf. The cover of the device will apply to you as the person who purchased the policy and your immediate family. This can include your children, wife, husband, partner, siblings, parents, grandparents or grandchildren that live at your address permanently.
For policies prior to 1st October 2021
This insurance is arranged by Pier Insurance Managed Services Limited, which is authorised and regulated by the Financial Conduct Authority under Firm Register number 331798.
Our policies are underwritten by Inter Partner Assistance SA (IPA) which sis fully owned by the AXA Partner Group. The Inter Partner Assistance SA Financial Conduct Authority register number is 202664.
For new policies and renewals from 1st October 2021
This insurance is arranged by AGS Pier GmbH, with a registered office at Hohe Bleichen 8, 20354 Hamburg, Germany. AGS Pier GmbH is a Registered Intermediary, an insurance agent with authorisation according to § 34 d para. 1 GewO (German Trade Regulation) with registration number: D-DWGU-041S5-44.
This policy is underwritten by Inter Partner Assistance SA (IPA) which is fully owned by the AXA Partners Group. Inter Partner Assistance is a Belgian firm authorised by the National Bank of Belgium in Belgium under number 0487.
Your policy is administered by AGS Pier GmbH (UK Branch).
loveit coverit will appear as Pier Insurance on all banking statements.
We won't increase our premiums once you make a claim, unlike many other insurance providers. Therefore, we ask you to pay the compulsory excess fee so we can keep our prices low for you. You can always trust that we will handle your claim quickly, professionally and efficiently.
As your policy is not a ‘replacement as new’ policy, all mobile phone or tablet replacements we send out may be brand new or refreshed devices, but they will all come with a 12-month warranty.
We ensure that the quality of refurbished devices is so high that you won’t be able to differentiate them from new ones. Please note that refreshed devices may hold some non-original parts.
Once we've agreed your claim, we'll endeavour to replace your device with the same make, model and colour. We'll then send it to you as quickly as possible. If your device isn't manufactured anymore, we will provide the nearest comparable model.