What Are The Most Common Gadget Insurance Claims? | Dynamo Cover

What Are The Most Common Gadget Insurance Claims?

What Are The Most Common Gadget Insurance Claims

What Are The Most Common Gadget Insurance Claims

In today’s digital age, gadgets have become integral to our daily lives. From smartphones and tablets to laptops and smartwatches, we rely on these devices for both personal and business use.

However, as indispensable as they are, gadgets are also prone to damage, loss, and theft, which, if not protected, can be expensive to repair. At Dynamo Cover, we understand the importance of protecting your devices, which is why we offer comprehensive gadget insurance to cover a wide range of mishaps.

To give you an idea of the most common gadget insurance claims we deal with, below are some examples:

1. Smashed Screens

A cracked or shattered screen is the most frequent reason for gadget insurance claims. Smartphones, in particular, are susceptible to screen damage due to their large, delicate displays and the fact that we carry them around with us the majority of the day.

Even the most cautious individuals can find themselves with a cracked screen after a single moment of clumsiness. Additionally, screens are getting larger and thinner, making them more vulnerable to damage.

2. Water Damage

Water and electronics don’t mix well, and people often underestimate the resilience of their gadgets around water. Many devices aren’t fully waterproof, and even those with water resistance ratings can fail under certain conditions.

If your gadget were to become damaged by water, it could render it useless. Whether it’s a smartphone dropped in a puddle, a tablet spilt on, or a smartwatch exposed to excessive moisture, water can be very problematic for your gadgets.

3. Battery Issues

Batteries degrade over time, and issues such as rapid draining, inability to charge, or overheating are common problems that can be covered by insurance claims. Heavy usage, exposure to extreme temperatures, and batteries’ natural ageing process contribute to these issues. Users might also encounter defective batteries, which can cause unexpected failures too.

4. Theft

Theft can happen anywhere – from busy streets to quiet cafes, it’s never your fault so don’t feel disheartend if it happens. Gadgets, in general, are a prime target for thieves due to their high value and portability. Through pickpocketing, snatching, or even burglary, the allure of reselling these expensive devices makes them attractive to criminals.

5. Accidental Damage

Beyond smashed screens and water damage, accidental damage encompasses a range of mishaps, such as dropping a laptop, sitting on a tablet, or knocking over a desktop computer. These incidents are often unavoidable despite our best efforts to be careful, and as long as you are covered, it’s not too disastrous.

Common Gadget Insurance Claims

6. Software Malfunctions

Software issues, such as corrupted operating systems, failed updates, or malware infections, can make a gadget inoperable. While some issues can be resolved with troubleshooting, severe cases may require professional intervention or even device replacement.

7. Loss

Losing a gadget is another common reason for insurance claims, from misplacing a smartphone to leaving a laptop behind during travel. Unfortunately, once lost, gadgets are challenging to recover without proper tracking measures, resulting in an insurance claim.

8. Hardware Failures

Internal hardware failures, such as malfunctioning processors, broken charging ports, or unresponsive touchscreens are common gadget insurance claims we see a lot. Unfortunately, it can be hard to avoid, but heavy use and ageing components are significant factors.

9. Button and Control Issues

Physical buttons and controls, such as volume, home, and power switches, can become unresponsive or stuck over time. This can be caused by frequent use, dirt accumulation or manufacturing defects and can significantly impact the usability of a device, making it necessary to seek repairs or replacements.

10. Camera Damage

Camera lenses on smartphones and tablets are prone to damage, which can affect picture quality or render the camera unusable. Accidental drops, exposure to dirt and moisture, and scratches are common causes of camera damage. With the growing reliance on gadgets for photography, damaged cameras can be a significant inconvenience.


At Dynamo Cover, we understand the frustration and inconvenience that comes with damaged or lost gadgets. Our comprehensive gadget insurance is designed to provide peace of mind, ensuring that your devices are protected against a wide range of issues. Whether it’s a cracked screen, water damage, or theft, we’ve got you covered.

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