Policy Documents

Terms, conditions and important information about your cover

Gadget Policy Terms & Conditions

Please click on a booklet to download. The documents are in Adobe PDF format.

To view and print these documents on your computer you will need to have Adobe PDF reader installed (if you do not have this already).
You can download Adobe PDF reader from Adobe here.

Below are the latest versions of the gadget policy wordings' for each of our products.


Please be aware that we are changing insurer for all new policies purchased, and existing policies that renew, on or after 1st March 2021. Policy holders that pay their premiums on a monthly basis have already been notified of this change and provided with a Key Changes document, a copy of which can be located in your customer zone. If your policy renews on an annual basis you will be advised of any changes to your policy terms at the time you receive your renewal notification.

For policies purchased on or after 01 March 2021

Policies covering personal, student and business cover

Policies covering our family bundles

Insurance Product Information Document (IPID)

For policies purchased on or after 16 June 2020 and before 01 March 2021

Policies covering personal, student and business cover

Policies covering our family bundles

Insurance Product Information Document (IPID)

For policies purchased on or after 31 July 2018 and before 17 June 2020

Policies covering personal, student and business cover

Policies covering our family bundles

Insurance Product Information Document (IPID)

For policies purchased on or after 24 May 2018 and before 31 July 2018

Policies covering personal, student and business cover

Policies covering our family bundles

For policies purchased on or after 15 August 2016 and before 24 May 2018

Policies covering personal, student and business cover

Policies covering our family bundles

For policies purchased on or after 16 June 2016 and before 15 August 2016

Policies covering personal, student and business cover

Policies covering our family bundles

For policies purchased on or after 01 August 2014 and before 16 June 2016

Policies covering personal, student and business cover

Policies covering our family bundles