Phones, laptops, cameras and drones are some of the most expensive things we take on holiday, and the most commonly stolen. Standard policies often cover them only up to low limits. Here’s how to make sure your kit is protected.
Single-item limits
Most policies set a maximum payout for any one item, often much lower than the cost of a modern phone or camera, plus an overall baggage limit. If your phone costs more than the single-item limit, you’ll only get up to the limit, less the excess. Always check these figures before you buy.
Common exclusions
- Unattended items. Items left on a beach, table or in a car are often not covered.
- Checked baggage. Some policies exclude or limit valuables in the hold.
- Wear and tear, and accidental damage in some policies.
- Lack of proof. You may need receipts or evidence of ownership.
See common exclusions.
Cameras and photography kit
Professional or high-value cameras and lenses often exceed standard limits. Check whether each item can be listed, and whether commercial use is excluded. Specialist camera insurance may be better for expensive kit.
Drones
Many travel policies don’t cover drones, either for loss and damage or for liability if you cause injury or damage. Some exclude them altogether. Rules on flying drones vary by country, and flying without the right permission can invalidate cover and lead to fines. Check local rules and your policy before you go.
Ways to increase protection
- Add a gadget add-on to raise single-item limits. See which add-ons are worth it.
- Check home insurance for personal possessions cover. See home insurance cover abroad.
- Use specialist gadget or camera insurance for expensive equipment.
- Check card or account benefits. See bank account travel insurance.
Reduce the risk
- Keep valuables in your hand luggage and never leave them unattended.
- Photograph your kit and note serial numbers.
- Save receipts digitally.
- Report thefts to the police straight away. See stolen phone or passport abroad.
Frequently asked questions
Is my phone covered by travel insurance?
Usually, up to the single-item limit and subject to exclusions such as unattended items. Check your limits.
Are drones covered by travel insurance?
Often not. Many policies exclude drones, so check the wording and consider specialist drone insurance.
Do I need receipts for my camera?
Insurers usually want proof of ownership and value, so keep receipts or other evidence.
Is a gadget add-on worth it?
It can be if your devices exceed the standard single-item limit. Compare the cost with the value of your kit.
Related travel insurance guides
- Travel Insurance Cancellation Cover: What Reasons Are Accepted?
- What Is Curtailment Cover on Travel Insurance?
- Does Travel Insurance Cover Cancelled Flights Due to FCDO Advice?
- What Does Travel Insurance Cover? A Plain-English UK Guide
- How Much Does Travel Insurance Cost in the UK in 2026?
This article is general information, not financial or insurance advice. Always read the policy documents before you buy.
