Gadget & Mobile Insurance
Accidental damage, liquid damage and theft cover for phones, laptops and gadgets.
Understanding Gadget & Mobile Insurance.
Gadget insurance covers smartphones, tablets, laptops, cameras and wearables against accidental damage, liquid damage, screen breakage, theft and mechanical breakdown — for individual devices or as a multi-device family plan.
A flagship smartphone today costs more than ₹1L — and screen replacement alone can run ₹15–40K. A dedicated gadget policy is dramatically cheaper than self-insuring.
What's actually inside this cover.
- Accidental & liquid damage
- Screen replacement
- Multi-device family plans
- Accidental & liquid damage
- Screen and back-glass damage
- Theft (with FIR)
- Mechanical / electrical breakdown
Actual cover is subject to insurer wording, sub-limits, deductibles and exclusions. Please read the policy wordings carefully before concluding a sale.
How we place it.
One team — from the first conversation to the first claim.
- 01
Profile and exposure review with a Labdhi expert
- 02
Wording, sub-limit and pricing comparison across leading insurers
- 03
Cover binding with the optimal terms and add-ons
- 04
Renewal review and end-to-end claims support
When it actually pays.
Illustrative scenarios — real outcomes depend on insurer wording.
Cracked screen on flagship phone; repair processed cashless at authorised centre.
Laptop liquid damage repaired under gadget cover.
Phone stolen from cab; replacement value paid against FIR.
Why Labdhi for this?
As a licensed insurance broker, Labdhi compares wordings, sub-limits and pricing across multiple insurers, structures the policy around your real exposures, and supports you end-to-end through documentation, renewals and claims.
Is your Gadget & Mobile Insurance cover actually enough?
Most people discover the gap in their protection at the worst possible moment — at claim time. Shield360™ is our 4-minute risk profiler that scores your insurance coverage, highlights gaps, and gives you a personalised report you can download.
- Protection Score
A single 0–100 number showing how well-covered you really are.
- Gap Analysis
Identifies under-cover across life, health, income and assets — instantly.
- Downloadable Report
Branded PDF with your scores, gaps and suggested next steps.
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