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Tablet insurance no excess car

Tablet Insurance

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Tablets are built to be mobile – the beauty of them is that you can easily carry and take them anywhere, share with friends and use on the move.  Despite this, tablets are still fragile devices and one bump or careless drop can be the end of your shiny new tablet that you spent your last month’s bonus on.

If you’re extra careful and have a robust case for your tablet this may protect it from the odd knock or two, but what about those pesky opportunist thieves waiting for you to be distracted so they can get their hands on your precious device?

With the average price of a tablet pc being around £400, they aren’t cheap to replace. But we do have some good news – tablets are cheap to insure. Tablet insurance starts at just £2.19 per month, less than the cost of a pint. So for under £30 a year your tablet will be covered for:

  • Accidental Damage: Drop it, smash it or scratch it accidentally and your tablet will be repaired and restored by our expert team. If it’s beyond repair, you’ll receive a like for like replacement within 48 hours.
  • Theft Cover: You want to take your tablet everywhere you go without having to worry. If you’re unlucky enough to have your tablet taken from you by a thief, you’ll receive a replacement in 48 hours.
  • Liquid Damage: Get it wet and we’ll repair it. We know drinks get spilled, bathrooms get steamy and rain happens. That’s why we’ll replace or repair your tablet for you if it stops working following liquid damage.
  • Breakdown: If your tablet is out of warranty, don’t worry. If it suddenly stops working like it should, we will repair or replace your tablet to get you back online as soon as possible.
  • Loss: Excitement, stress and general disorganisation can cause some of us to be a little forgetful. If you lose your tablet or leave it on the bus, we will replace it for you (£1 per month surcharge applies)
  • 48 Hour Replacement: If the worst happens to your tablet, rest assured we'll have a replacement to you within 48 hours.
  • Worldwide Cover: If you travel regularly for business or enjoy reading on the beach you’ll probably want to take your tablet away with you and make the most of travel apps. That’s no problem, as our tablet insurance covers you for all of the above wherever you are in the world.
  • Up to 30% OFF: Insure your tablet and mobile phone together and you could save up to 30% OFF with our multi gadget insurance.

Who is Tablet Insurance For?


Business that use tablets for their meetings, sales teams and those on the road are likely to have purchased these devices to help the business run smoothly 24 hours a day. Time is money, and covering business tablets for loss, theft and damage can ensure staff aren’t left without these essential tools for more than 48 hours.

Globe Trotters

For those embarking on a journey of discovery, staying in touch with friends and family can be the key to alleviating home sickness, and having access to favourite videos and music can keep the long journeys entertaining. Our tablet insurance covers the owner worldwide.

Young Families

Tablets are great for keeping the children quiet in the car, reading bedtime stories and playing educational games. Our tablet insurance protects from sticky fingers, slippery hands, and spilled drinks so you can relax and enjoy your digital playtime without worrying about accidental damage.


Tablets for students are multi-functional; in the lecture theatre, at the student bar, in the library, on the bus and round a mate’s house are all great places to share, store and create new documents, emails, music and photos. Insuring a tablet will allow students the freedom to make the most of their mobile technology without fear of wear and tear.


Anyone with a long commute will understand the importance of being able to make the most of their time in transit. Tablets help us to organise our busy lives from booking tickets, arranging nights out and clearing our inboxes. But public transport is full of potential tablet disasters – bag thieves, clumsy passengers and bumps and scrapes. Commuters who insure their tablet can enjoy a stress free journey in the knowledge that they’re covered for any eventuality.

The Cost of Not Being Insured

The average tablet costs around £300 new, and some cost up to £750. These sophisticated devices are delicate and can be very expensive to repair. It can also be difficult to find a suitably trained and experienced repair shop that can be trusted with your valuable tablet.

Some of the most common damage to tablet devices can result in complete breakdown and write-off.

Cracked Screens

A crack affecting just the glass of the tablet screen is a lucky one and will cost around £50 – £90 to repair without insurance.  Unfortunately most cracked screens include damage to the LCD screen or digitizer too which can run into the £hundreds to fix.

Water Damage

Water and electronic components don’t mix. Any liquid touching the inside parts of your tablet can burn connections and circuit boards causing breakdown. Liquid can also stay inside the screen affecting the display. To repair liquid damage, tablets need to be fully disassembled to see how far the damage has spread. This takes a long time and usually an expensive hourly rate is charged plus the cost of any replacement parts.

Don’t risk unexpected and unaffordable expenses; Get a quote specific to your device to get insured now.

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Mobile phone, tablet & laptop insurance

Portable protection

Portable electronic devices are highly valuable but also easy to damage, misplace or steal. Insurance can be a good way to offset the cost of repair or replacement.

Before you take out insurance read the fine print, as some providers do not cover accidental loss or mechanical damage.

Choosing insurance

Smart tip

Check if your policy covers accidental loss. Some policies don't cover this.

It pays to shop around as insurance on electronic devices can vary greatly in price and cover.

Because electronic goods lose value quickly, insurance is of most use to you when the product is new. Before you take out insurance compare the cost of premiums per year plus the cost of the excess with the real value of the product.

Once you have taken out the insurance, if you change your mind you can cancel it within the cooling-off period, usually 14 days. Check your insurance contract for the exact cooling-off period and conditions.

Types of cover

There are three ways you can insure your portable electronic devices. You can:

  • add it to your contents insurance
  • get phone cover from an insurance company
  • get cover through your phone plan provider

Add to your contents insurance

If you already have contents insurance, adding your portable electronic devices to your existing insurance can be a cost-effective option. Ask your provider what cover they provide for an extra portable item.

Ask for specific mobile phone or device cover because most general 'personal effects' or 'portables' extras cover will not insure these devices. You will usually also have to tell the insurance company the make and model of your devices and check if the cover is for accidental loss.

This will cost extra in your premium but if you need to make a claim, it usually won't affect your no-claim discount.

Separate portable insurance

You can also buy a policy direct from an insurance company. Separate portable insurance can work well for people who have no existing contents insurance, but it can be more expensive than adding it to a contents policy.

Some insurers won't allow you to take out a policy if your device is not brand new. You should also check if you are covered for overseas travel if you are planning a trip.

Insurance through your phone provider

If you have a plan with a phone provider you can also get phone insurance through your plan. This can be convenient if you don't have contents insurance, but it can be a more expensive option. Shop around before signing up for this type of cover.

If you are an Optus customer, or have been in the past, please see ASIC's media release on action we have taken against Optus to refund mobile phone insurance customers.

Case Study: Jessica's phone disaster

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Jessica bought a top of the line smart phone for $900. She looked around online for the best deal on phone insurance but decided against getting any. She bought a case and screen protector to keep her phone safe.

A few weeks later, she dropped her phone down a flight of stairs. The screen
got cracked and the phone had problems turning on. Jessica called the manufacturer but they said it was not covered by their warranty as it didn't cover accidental damage.

Jessica ended up buying a new phone which took a few months to save for. Before she bought her phone, she went online and compared a few insurance plans based on premiums, excess, what damage they covered and how quickly they could replace her phone. She also compared separate phone insurance to adding the phone to her home and contents cover.

The insurance plan she finally decided on covered her for accidental damage and bought her some peace of mind.

Check what's covered

Not all policies cover the same things. It is important that you find a policy that covers your needs. Check the Product Disclosure Statement to see if these things are covered:

  • Replacement if the device is stolen (with a police report within 48 hrs)
  • Reimbursement of unauthorised calls (usually only up to a couple of hundred dollars)
  • Worldwide short-term travel cover
  • Mechanical failure (only some policies cover this)
  • Accidental loss or damage (some separate portable insurance policies don't cover this)
  • Phone or computer accessories, like earphones, headsets, cases or your mouse (this feature is fairly rare, but can provide cover up to a couple of hundred dollars)

Most policies do not cover the following:

  • Phones stolen in a unlocked vehicle or visible in a vehicle or left unattended in a public place
  • General wear and tear, gradual deterioration or developing flaws
  • Restoration of electronic records
  • Loss of stored files from a claimable event or a virus or hacker

Making a claim

If your portable device has been stolen, you will usually have to notify the police within 48 hours and your insurance provider within 14 days. Proof of purchase such as a receipt should be enough to prove your ownership of the device.

You should also:

  • Call your phone or internet provider to disable SIM or internet cards.
  • Ask your phone provider to clear your personal phone data (if you have anti-virus software on the device).
  • Locate your phone via GPS (if you have this facility on the phone).

Remember that if someone steals your phone, laptop or tablet, they can get more information from it than they can from your wallet.

To keep your electronic devices safe:

  • Don't leave them lying around in plain sight. Keep them as safe as you would your wallet.
  • Don't save passwords on your devices. Try to create passwords that you can remember but no one else can work out.
  • Activate the password or PIN security on your devices.
  • Use mobile networks rather than free wireless when accessing your bank accounts.
  • Always check the authenticity of the sites you visit - a smaller screen can make it hard to identify fake sites.
  • Check your phone and bank statements for any unusual charges in case someone has accessed your mobile without you knowing.

Portable insurance can be a great way of saving you money when your personal devices go missing, but read all the terms and conditions before you sign up. Then you'll know exactly what you are getting for your money.

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Last updated: 08 Mar 2017


Dodo Insurance at a glance

  • Great value
  • Get a quote in less than 3 minutes
  • Bonus Android Tablet with every Comprehensive car insurance policy purchased online**
  • Backed by one of Australia’s most trusted insurance providers – Auto & General

About Dodo Insurance

Delivering affordable Car and Home & Contents Insurance for Australia
Dodo Insurance is part of a group of entities which provide various services to Australian families. Dodo is positioned in the market as a low-cost, high-value provider of essential services including car, electricity and gas and home and contents insurance.

Great value
Their cover options include a great range of features, at an affordable and competitive price. See if switching to Dodo Insurance could save you money by getting a car insurance quote today!

Fast and simple
Get a car insurance quote online, compare your options, and you could be covered within minutes. Making a claim or updating your policy is easy too, with no forms to worry about.

Protection you can trust
Their partner, Auto and General, underwrites hundreds of thousands of policies in Australia.

“See how much you could save with Dodo Insurance.”

About Dodo Comprehensive Car Insurance

Dodo Car Insurance gives you peace of mind in the event of an accident. Their Comprehensive Car Insurance policy has an array of features and benefits that offer coverage against damage to your car, as well as other vehicles (when you are deemed to be at fault), and allows you to choose Smart Cover options to suit your needs.

Policy Benefits:

  • 24 months or 40,000km new for old car replacement, see PDS for full details
  • $500 personal effects cover
  • $500 cover for damage to or theft of child seats/baby capsule in your car
  • $500 towards debris removal in the event of a collision
  • $5,000 death benefit
  • $1,000 cover for replacement keys/remote

Optional Additional Benefits

  • Agreed Value or Market Value
  • Maximum No Claim Discount Protection
  • Windscreen Excess Reduction
  • Restricted Driver Discounts
  • Variable Excess to Reduce Premium
  • Roadside Assistance
  • Accident Hire Car Benefit

See PDS for full details.

Why Choose Dodo Insurance

When you insure your car with Dodo you’ll get the highest standard of customer service and a broad range of policy benefits and options for you to choose from, all at a competitive price.

  • No forms to fill in, ever!
  • Online discounts
  • Annual or monthly repayments

* If you cancel the policy within 21 days from the date of purchase and do not make a claim on the policy, we will give you a full refund.

**Bonus Android tablet is only available with Dodo Comprehensive Car Insurance policies purchased online. Redemption available 2 days after the 21 day cooling off period expires. Must be redeemed within 60 days. Pickup for free from Dodo or have delivered for $24.90.

Always read the Product Disclosure Statement for each policy before making a decision to buy.


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