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Frequently Asked Questions

Have a look through our FAQs below. If you have any other queries, please do not hesitate to contact the Lyca Insure team.

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What devices do you insure?

We offer insurance on Mobile Phones, iPhones, iPads, Tablets, Personal Digital Assistant (PDA), MP3 Players, iPods, Satellite Navigation Systems, Sony PlayStation Portable's and other game consoles, Cameras, Camcorders, Personal Media Players and Laptops.

When does the cover start and end?

Your insurance cover begins immediately after you take it out and ends 12 months later. A 14-day exclusion period applies for all other gadgets
over 60 days old at time of first policy purchase for all AXA policies Please ensure you read the Insurer Specific Policy wording and IPID

What is IPT?

IPT is Insurance Premium Tax. This is a tax on general insurance premiums levied by the government.

Is there an Excess?

Yes, this depends on the value of your gadget. An Excess is the amount you will need to pay for any approved claim. 

The Excess amount differs by device value. The Excess that applies to the item(s) you are insuring will be displayed in your quote before you buy, under the 'Excess Value' section and can also be found on your policy schedule under the 'Cover details' > 'Excess' section. 

For further information please refer to your Insurer Specific Policy Wording and IPID. 

Where am I covered?

  • Great Britain
  • Northern Ireland
  • The Channel Islands and the Isle of Man
  • Worldwide - Terms and Conditions apply.

Please ensure you read the Insurer specific Policy Wording and IPID

Is there an age restriction on the items I can Insure?

The gadget must not be more than 18 months old when the policy commences through Supercover insurance and 12 months old through Bastion Insurance. For both insurers it should be purchased as new, or refurbished with a full 12 month warranty, directly from the manufacturer or network provider.

Can I cover my device if I bought it abroad?

The gadget must have been purchased within the United Kingdom of Great Britain & Northern Ireland, the Isle of Man and the Channel Islands and you must have valid evidence of ownership (purchases from online auction sites will not be accepted)

I am under 18 years of age, can I insure my gadget?

Unfortunately, we are unable to insure any item if you are under 18 years of age.

Can I insure my device if I live outside of the UK?

No, you need to be a permanent resident of the UK

How soon will I receive my policy documents after purchasing Gadgets and Mobile Insurance?

Documents will be available to download immediately after purchasing your policy, or available by logging into your account should you wish to download them at a later date. If you have any issues with downloading your documentation, please email and one of the team will be happy to assist you.

What is an IMEI number and how do I find it?

The International Mobile Equipment Identification (IMEI) number of your mobile phone is a unique identification code that is specific to your mobile phone. The IMEI number can be found on the silver sticker on the back of your phone, under the battery pack, or on the box your phone came in. You can also display the IMEI number on the screen of your mobile phone or smartphone by entering *#06# into the keypad.

How do I amend my Gadgets and Mobile Insurance Policy?

You can request an amendment to your policy by logging into your account and going to the 'Make a Change' page, or by emailing details of the required change to . To enable us to process a change of name, please attach a copy of your marriage or deed pole certificate.

How do I make a claim?

For full details of the claims procedure, please click here.

Do I need to provide a receipt?

You will need to provide evidence of ownership for all the items you are claiming for at the point of claim. Evidence of ownership is a document to evidence that the gadget you are claiming for belongs to you. This can be a copy of the till receipt, delivery note, UK gift receipt or, if the gadget is a mobile phone, confirmation from your Network Provider that the mobile phone has been used by you.

I cannot find the answer to my question. What next?

If you can't find the answers to your questions please Contact Us

How do I cancel the insurance?

If you decide that for any reason, your policy does not meet your insurance needs then please advise us in writing at within 14 days from the day of purchase.

You may cancel the insurance cover after 14 days by advising us in writing at, please refer to our terms of business agreement for more information.

How do I make a complaint?

We intend to provide a high level of service at all times. However, if you have reason to make a complaint about our service you should contact You may be entitled to refer the matter subsequently to the Financial Ombudsman Service (FOS). You can contact the FOS by telephone on 0800 121 6222 and further information is available at If you do decide to refer any matter to the FOS your legal rights will not be affected.

For full details of the complaints procedure, please Click Here .