If your gadgets are less than three years old, insuring them can be the sensible thing to do as this will ensure they're protected should they get lost, stolen or accidently damaged. After all, a gadget case isn't always enough to protect you fragile phone from a long fall.

Gadgets and mobile phones are our trusty companions, providing connection and security when times get tough - for example, what would you do if your car broke down and you didn't have your phone handy to call roadside assistance?

It's also worth bearing in mind that some gadgets and mobile phones can be expensive to replace - so if you couldn't afford to replace your phone or laptop should the unexpected happen, taking out phone or gadget insurance could be the best option.

So whether you suffer from “nomophobia” (fear of being without your phone) or you simply couldn’t afford to replace your gadgets should they get lost, stolen or damaged, gadget insurance will give you peace of mind that your gadgets are protected.

Do I need gadget insurance cover if my device is under warranty?

Even if your gadgets are still under warranty, this will usually only provide cover for mechanical breakdown or failure – which means your items won’t be protected against risks such as theft, loss, accidental or liquid damage.

With this in mind, you may choose to take out gadget insurance on top of your warranty to ensure your items are fully protected.