£3.1bn spent on replacing gadgets, with mobile leading way

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8 million mobile devices damaged in last five years, according to TSB Insurance, with water damage the biggest “phone killer”

Eight million mobile phones were damaged in the last five years as Brits spent more than £3.1 billion replacing gadgets.

Research from TSB Insurance found water damage is the biggest “phone-killer” accounting for 23 per cent of mobile claims. It also made up seven per cent of claims on laptops.

Almost a fifth of phone-owners said they had experienced a smashed or cracked screen, with one in ten immediately returning to their insurance provider to get it fixed. Six per cent said they tried to continue with the broken screen.

TSB head of general insurance Kat Robinson said: “Now more than ever we rely on our gadgets to get through the day, so it’s unfortunate when they are taken out of action unexpectedly.

“The time and expense of dealing with smashed screens, sizzled monitors and defective equipment is a major gripe that many of us are needlessly suffering through because of having no insurance or picking inadequate protection.”

Precious mobile

The insurance firm spoke to 2,000 British home owners and found that the average Brit carries more than £288 worth of gadgets on them on a daily basis.

A third said their mobile was their most precious gadget, while just over a quarter picked their laptop. Overall, the average home contains around £2,500 worth of gadgets, but just one in ten covers their devices separately to standard home owners insurance.

Robinson added: “When it comes to insurance, having a flexible policy that works for you can really cut down on the hassle should you ever need to claim.

“Whether you want to protect the bricks and mortar of your home, the contents, or your latest piece of tech, it’s important to pick insurance cover that protects you and adapts to your needs.”

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