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Apple, Samsung, Garmin, Google and Fitbit
Smartwatch Insurance
Smartwatch insurance from Dynamo covers cracked glass, accidental damage, water damage and theft across Apple Watch, Galaxy Watch, Garmin, Pixel Watch, Fitbit and Huawei devices. Claims are unlimited and cover applies worldwide.
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What our smartwatch insurance covers
- Cracked glass and sapphire
- Accidental damage during sport and daily wear
- Water damage beyond the rated depth
- Theft, replaced with the same case and connectivity
- Loss where a strap or clasp has failed
Worn, which is the problem
A phone lives in a pocket and comes out when you want it. A watch is on your wrist for every door frame, wall, gym machine and fall you meet, and the display generally sits proud of the case so it arrives first. That is why cracked glass dominates smartwatch claims across every brand.
A rating is not a promise
Water and dust ratings are measured on new devices in controlled conditions, and no manufacturer treats water damage as a warranty repair. Straps and clasps also wear, and a watch that comes off at speed is usually gone rather than broken.
Why Dynamo
Cover that works the way you do
Cracked glass
The screen meets the wall before the case does on almost every smartwatch design, which is why it accounts for the overwhelming majority of claims we handle.
Damage during exercise
Watches are bought to be worn while training and then broken while training, and cover never depends on what you were doing at the time.
Lost after a strap failure
A clasp that gives way mid run usually means the watch is gone rather than damaged, so ask about loss cover when you quote.
Water beyond the rating
Every rating assumes a new device and fresh water, and none of them obliges a manufacturer to fix a watch that met the sea.
Every major brand
Apple Watch, Galaxy Watch, Garmin, Pixel Watch, Fitbit and Huawei devices are all covered at any age.
One bill with your other kit
A watch rarely warrants a policy alone, so it sits with your phone and tablet on one monthly payment.
How it works
How to insure your smartwatch
01
Tell us which watch
Make, model and case size is enough for an instant price.
02
Add it to existing cover
Put it on a policy you already hold so everything arrives on one date.
03
Claim in the portal
Report damage or loss online and we will arrange a repair or a warranted replacement.
The Dynamo way
Smartwatch Insurance, minus the annoying parts.
With Dynamo
- Cancel your next month from the portal with no fee*
- Change your details for the next month with no fee*
- Manage everything 24/7 in your portal
- Choose when to start, up to 30 days ahead
The old way
- A separate bill for every policy
- Locked in for twelve months
- Admin fees for the smallest change
- Phone queues and office hours
- Paperwork before anything begins
Devices covered
Brands we insure
Apple Watch including the SE and Ultra, Samsung Galaxy Watch and the older Gear range, the full Garmin line, Google Pixel Watch, Fitbit and Huawei watches.
Yes, and it is the most common smartwatch claim by a wide margin, with no cap on how many times you can claim.
Yes, which matters because training is when the majority of smartwatch damage happens.
Loss is worth asking about when you quote, particularly if you run or cycle where a failed strap usually means the watch is gone.
Yes, beyond whatever rating your watch carries, and no manufacturer covers water damage under warranty.
Cover starts at £5.99 a month depending on the watch and the level of cover.
Get covered in about a minute
No phone call, no paperwork, no twelve month commitment.
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