We don't currently rate Cover My in our Customer Experience Ratings.
Gadget insurance
| Accidental loss cover i | |
|---|---|
| Mechanical breakdown cover i | |
| Maximum single-item cover limit i | £2,500.00 |
| Type of product i | Stand-Alone |
| How is the excess charged? i | Choice of excess |
| Accidental damage cover i | |
| Lowest excess i | £50.00 |
| Liquid damage excess i | £50.00 |
| Theft & loss claims excess i | £50.00 |
| Mechanical breakdown cover replacement limit i | Sum insured |
| Theft Cover i | |
| Accidental damage and breakdown claims excess i | £50.00 |
| Theft replacement limit i | Sum insured |
| Cancellation fee i | £0.00 |
| Malicious damage cover i | |
| Arrangement fee i | £0.00 |
| Additional early claims excess i | £0.00 |
| Unauthorised usage cover i | £2,500.00 |
| Immediate cover with no additional excess in the first 30 days of the policy i | |
| Unauthorised usage cover (E-wallet) i | £0.00 |
| Accessories cover limit i | £150.00 |
| High end smartphones (>£1,000) minimum excess i | £50.00 |
| High end tablets (>£1,200) minimum excess i | £50.00 |
| High end laptops (>=£1,500) minimum excess i | |
| High end MacBooks (>=£1,500) minimum excess i | |
| Universal gadget policy? i | |
| Family cover i | |
| Multi cover discounts i | |
| Underwriter i | Reach Financial Services Limited |
| Age of customer requirement i | 18.00 years |
| No claims period i | 14.00 days |
| Refurbished device cover i | |
| Second hand device cover i | |
| Territorial limits restriction i | United Kingdom, Isle of Man, Channel Islands |
| Maximum age of phones i | 18 months |
| Maximum age of gadgets eligible for cover i | 18 months |
| Rapid replacement i | |
| Pro-rata refund i | |
| Claim under warranty i | |
| Replacement claims limit per Item for accidental damage/mechanical failure i | Unlimited |
| Replacement claims limit per Item for theft or loss i | Unlimited |
| Replacement warranty i | 6 months |
| International cover limit (Days) i | 90.00 days |
| Smartphones i | |
| Tablets i | |
| Smart watches i | |
| Game Consoles i | |
| Headphones i | |
| Cameras i | |
| E-readers i | |
| Sat-Navs i | |
| MP3 Players i | |
| MacBooks or Laptops |
Cover My
Basic Cover
| Accidental loss cover i | |
|---|---|
| Mechanical breakdown cover i | Not Covered |
| Maximum single-item cover limit i | £2,500.00 |
| Type of product i | Stand-Alone |
| How is the excess charged? i | Choice of excess |
| Accidental damage cover i | Y (Only for cracked screens) |
| Lowest excess i | £50.00 |
| Liquid damage excess i | £50.00 |
| Theft & loss claims excess i | £50.00 |
| Mechanical breakdown cover replacement limit i | £0.00 |
| Theft Cover i | |
| Accidental damage and breakdown claims excess i | £50.00 |
| Theft replacement limit i | Sum insured |
| Cancellation fee i | £0.00 |
| Malicious damage cover i | |
| Arrangement fee i | £0.00 |
| Additional early claims excess i | £0.00 |
| Unauthorised usage cover i | £2,500.00 |
| Immediate cover with no additional excess in the first 30 days of the policy i | |
| Unauthorised usage cover (E-wallet) i | £0.00 |
| Accessories cover limit i | £150.00 |
| High end smartphones (>£1,000) minimum excess i | £50.00 |
| High end tablets (>£1,200) minimum excess i | £50.00 |
| High end laptops (>=£1,500) minimum excess i | |
| High end MacBooks (>=£1,500) minimum excess i | |
| Universal gadget policy? i | |
| Family cover i | |
| Multi cover discounts i | |
| Underwriter i | Reach Financial Services Limited |
| Age of customer requirement i | 18.00 years |
| No claims period i | 14.00 days |
| Refurbished device cover i | |
| Second hand device cover i | |
| Territorial limits restriction i | United Kingdom, Isle of Man, Channel Islands |
| Maximum age of phones i | 18 months |
| Maximum age of gadgets eligible for cover i | 18 months |
| Rapid replacement i | |
| Pro-rata refund i | |
| Claim under warranty i | |
| Replacement claims limit per Item for accidental damage/mechanical failure i | Unlimited |
| Replacement claims limit per Item for theft or loss i | Unlimited |
| Replacement warranty i | 6 months |
| International cover limit (Days) i | 90.00 days |
| Smartphones i | |
| Tablets i | |
| Smart watches i | |
| Game Consoles i | |
| Headphones i | |
| Cameras i | |
| E-readers i | |
| Sat-Navs i | |
| MP3 Players i | |
| MacBooks or Laptops |
Pet insurance
Cat insurance
Cover My
Lifetime £7,500
| Medical excess i | £50.00 |
|---|---|
| Type of cover i | Lifetime, annual |
| Medical cover limit i | £7,500.00 |
| Age when compulsory excess rises i | 10 years |
| Annual policy limit i | £7,500.00 |
| Cancellation fee i | £7.50 |
| Annual condition limit i | |
| Amendment fee i | £7.50 |
| Lifetime policy limit i | Unlimited |
| Lifetime condition limit i | |
| Dental cover (if due to an accident) i | £7,500.00 |
| Cruciate ligament damage i | £2,500.00 |
| CT scans i | £2,000.00 |
| MRI scans i | £2,000.00 |
| Prescribed food i | £0.00 |
| Complementary treatment i | £1,000.00 |
| Boarding fees limit i | £0.00 |
| Death benefit (illness) i | £1,000.00 |
| Euthanasia cover limit i | £0.00 |
| Cremation i | £100.00 |
| If renewed, are existing conditions covered? i | |
| Holiday cancellation i | £2,500.00 |
| Holiday cover i | £0.00 |
| Quarantine costs cover i | £0.00 |
| Loss of PETS passport or other travel documents i | £0.00 |
| Emergency expenses abroad i | £0.00 |
| Maximum number of days abroad i | 0 days |
Cover My
Lifetime £10,000
| Medical excess i | £50.00 |
|---|---|
| Type of cover i | Lifetime, annual |
| Medical cover limit i | £10,000.00 |
| Age when compulsory excess rises i | 10 years |
| Annual policy limit i | £10,000.00 |
| Cancellation fee i | £7.50 |
| Annual condition limit i | |
| Amendment fee i | £7.50 |
| Lifetime policy limit i | Unlimited |
| Lifetime condition limit i | |
| Dental cover (if due to an accident) i | £10,000.00 |
| Cruciate ligament damage i | £2,500.00 |
| CT scans i | £2,000.00 |
| MRI scans i | £2,000.00 |
| Prescribed food i | £0.00 |
| Complementary treatment i | £1,000.00 |
| Boarding fees limit i | £0.00 |
| Death benefit (illness) i | £1,000.00 |
| Euthanasia cover limit i | £0.00 |
| Cremation i | £100.00 |
| If renewed, are existing conditions covered? i | |
| Holiday cancellation i | £2,500.00 |
| Holiday cover i | £0.00 |
| Quarantine costs cover i | £0.00 |
| Loss of PETS passport or other travel documents i | £0.00 |
| Emergency expenses abroad i | £0.00 |
| Maximum number of days abroad i | 0 days |
Cover My
Lifetime £3,000
| Medical excess i | £50.00 |
|---|---|
| Type of cover i | Lifetime, annual |
| Medical cover limit i | £3,000.00 |
| Age when compulsory excess rises i | 10 years |
| Annual policy limit i | £3,000.00 |
| Cancellation fee i | £7.50 |
| Annual condition limit i | |
| Amendment fee i | £7.50 |
| Lifetime policy limit i | Unlimited |
| Lifetime condition limit i | |
| Dental cover (if due to an accident) i | £3,000.00 |
| Cruciate ligament damage i | £1,500.00 |
| CT scans i | £1,500.00 |
| MRI scans i | £1,500.00 |
| Prescribed food i | £0.00 |
| Complementary treatment i | £500.00 |
| Boarding fees limit i | £0.00 |
| Death benefit (illness) i | £1,000.00 |
| Euthanasia cover limit i | £0.00 |
| Cremation i | £100.00 |
| If renewed, are existing conditions covered? i | |
| Holiday cancellation i | £1,500.00 |
| Holiday cover i | £0.00 |
| Quarantine costs cover i | £0.00 |
| Loss of PETS passport or other travel documents i | £0.00 |
| Emergency expenses abroad i | £0.00 |
| Maximum number of days abroad i | 0 days |
Cover My
Lifetime £4,000
| Medical excess i | £50.00 |
|---|---|
| Type of cover i | Lifetime, annual |
| Medical cover limit i | £4,000.00 |
| Age when compulsory excess rises i | 10 years |
| Annual policy limit i | £4,000.00 |
| Cancellation fee i | £7.50 |
| Annual condition limit i | |
| Amendment fee i | £7.50 |
| Lifetime policy limit i | Unlimited |
| Lifetime condition limit i | |
| Dental cover (if due to an accident) i | £4,000.00 |
| Cruciate ligament damage i | £1,500.00 |
| CT scans i | £1,500.00 |
| MRI scans i | £1,500.00 |
| Prescribed food i | £0.00 |
| Complementary treatment i | £500.00 |
| Boarding fees limit i | £0.00 |
| Death benefit (illness) i | £1,000.00 |
| Euthanasia cover limit i | £0.00 |
| Cremation i | £100.00 |
| If renewed, are existing conditions covered? i | |
| Holiday cancellation i | £1,500.00 |
| Holiday cover i | £0.00 |
| Quarantine costs cover i | £0.00 |
| Loss of PETS passport or other travel documents i | £0.00 |
| Emergency expenses abroad i | £0.00 |
| Maximum number of days abroad i | 0 days |
Cover My
Maximum benefit
| Medical excess i | £50.00 |
|---|---|
| Type of cover i | Maximum benefit, condition |
| Medical cover limit i | £4,000.00 |
| Age when compulsory excess rises i | 10 years |
| Annual policy limit i | |
| Cancellation fee i | £7.50 |
| Annual condition limit i | |
| Amendment fee i | £7.50 |
| Lifetime policy limit i | Unlimited |
| Lifetime condition limit i | £4,000.00 |
| Dental cover (if due to an accident) i | £4,000.00 |
| Cruciate ligament damage i | £1,500.00 |
| CT scans i | £1,500.00 |
| MRI scans i | £1,500.00 |
| Prescribed food i | £0.00 |
| Complementary treatment i | £500.00 |
| Boarding fees limit i | £0.00 |
| Death benefit (illness) i | £500.00 |
| Euthanasia cover limit i | £0.00 |
| Cremation i | £100.00 |
| If renewed, are existing conditions covered? i | |
| Holiday cancellation i | £1,500.00 |
| Holiday cover i | £0.00 |
| Quarantine costs cover i | £0.00 |
| Loss of PETS passport or other travel documents i | £0.00 |
| Emergency expenses abroad i | £0.00 |
| Maximum number of days abroad i | 0 days |
Cover My
Lifetime £5,000
| Medical excess i | £50.00 |
|---|---|
| Type of cover i | Lifetime, annual |
| Medical cover limit i | £5,000.00 |
| Age when compulsory excess rises i | 10 years |
| Annual policy limit i | £5,000.00 |
| Cancellation fee i | £7.50 |
| Annual condition limit i | |
| Amendment fee i | £7.50 |
| Lifetime policy limit i | Unlimited |
| Lifetime condition limit i | |
| Dental cover (if due to an accident) i | £5,000.00 |
| Cruciate ligament damage i | £2,000.00 |
| CT scans i | £1,500.00 |
| MRI scans i | £1,500.00 |
| Prescribed food i | £0.00 |
| Complementary treatment i | £750.00 |
| Boarding fees limit i | £0.00 |
| Death benefit (illness) i | £1,000.00 |
| Euthanasia cover limit i | £0.00 |
| Cremation i | £100.00 |
| If renewed, are existing conditions covered? i | |
| Holiday cancellation i | £2,000.00 |
| Holiday cover i | £0.00 |
| Quarantine costs cover i | £0.00 |
| Loss of PETS passport or other travel documents i | £0.00 |
| Emergency expenses abroad i | £0.00 |
| Maximum number of days abroad i | 0 days |
Cover My
Time limited
| Medical excess i | £50.00 |
|---|---|
| Type of cover i | Time-limited |
| Medical cover limit i | £3,000.00 |
| Age when compulsory excess rises i | 10 years |
| Annual policy limit i | |
| Cancellation fee i | £7.50 |
| Annual condition limit i | |
| Amendment fee i | £7.50 |
| Lifetime policy limit i | Unlimited |
| Lifetime condition limit i | £3,000.00 |
| Dental cover (if due to an accident) i | £3,000.00 |
| Cruciate ligament damage i | £1,500.00 |
| CT scans i | £1,500.00 |
| MRI scans i | £1,500.00 |
| Prescribed food i | £0.00 |
| Complementary treatment i | £250.00 |
| Boarding fees limit i | £0.00 |
| Death benefit (illness) i | £500.00 |
| Euthanasia cover limit i | £0.00 |
| Cremation i | £100.00 |
| If renewed, are existing conditions covered? i | |
| Holiday cancellation i | £1,500.00 |
| Holiday cover i | £0.00 |
| Quarantine costs cover i | £0.00 |
| Loss of PETS passport or other travel documents i | £0.00 |
| Emergency expenses abroad i | £0.00 |
| Maximum number of days abroad i | 0 days |
Cover My
Lifetime £2,000
| Medical excess i | £50.00 |
|---|---|
| Type of cover i | Lifetime, annual |
| Medical cover limit i | £2,000.00 |
| Age when compulsory excess rises i | 10 years |
| Annual policy limit i | £2,000.00 |
| Cancellation fee i | £7.50 |
| Annual condition limit i | |
| Amendment fee i | £7.50 |
| Lifetime policy limit i | Unlimited |
| Lifetime condition limit i | |
| Dental cover (if due to an accident) i | £2,000.00 |
| Cruciate ligament damage i | £1,500.00 |
| CT scans i | £1,500.00 |
| MRI scans i | £1,500.00 |
| Prescribed food i | £0.00 |
| Complementary treatment i | £500.00 |
| Boarding fees limit i | £0.00 |
| Death benefit (illness) i | £750.00 |
| Euthanasia cover limit i | £0.00 |
| Cremation i | £100.00 |
| If renewed, are existing conditions covered? i | |
| Holiday cancellation i | £1,500.00 |
| Holiday cover i | £0.00 |
| Quarantine costs cover i | £0.00 |
| Loss of PETS passport or other travel documents i | £0.00 |
| Emergency expenses abroad i | £0.00 |
| Maximum number of days abroad i | 0 days |
Dog insurance
Cover My
Lifetime £5,000
| Type of cover i | Lifetime, annual |
|---|---|
| Medical cover limit i | £5,000.00 |
| Medical excess i | £50.00 |
| Annual policy limit i | £5,000.00 |
| Annual condition limit i | |
| Lifetime policy limit i | Unlimited |
| Lifetime condition limit i | |
| Dental cover (if due to an accident) i | £5,000.00 |
| Cruciate ligament damage i | £2,000.00 |
| CT scans i | £1,500.00 |
| MRI scans i | £1,500.00 |
| Prescribed food i | £0.00 |
| Complementary treatment i | £750.00 |
| Euthanasia cover limit i | £0.00 |
| Cremation i | £100.00 |
| If renewed, are existing conditions covered? i | |
| Age when compulsory excess rises i | 8 years |
| Amendment fee i | £7.50 |
| Holiday cancellation i | £2,000.00 |
| Holiday cover i | £0.00 |
Cover My
Lifetime £10,000
| Type of cover i | Lifetime, annual |
|---|---|
| Medical cover limit i | £10,000.00 |
| Medical excess i | £50.00 |
| Annual policy limit i | £10,000.00 |
| Annual condition limit i | |
| Lifetime policy limit i | Unlimited |
| Lifetime condition limit i | |
| Dental cover (if due to an accident) i | £10,000.00 |
| Cruciate ligament damage i | £2,500.00 |
| CT scans i | £2,000.00 |
| MRI scans i | £2,000.00 |
| Prescribed food i | £0.00 |
| Complementary treatment i | £1,000.00 |
| Euthanasia cover limit i | £0.00 |
| Cremation i | £100.00 |
| If renewed, are existing conditions covered? i | |
| Age when compulsory excess rises i | 8 years |
| Amendment fee i | £7.50 |
| Holiday cancellation i | £2,500.00 |
| Holiday cover i | £0.00 |
Cover My
Lifetime £4,000
| Type of cover i | Lifetime, annual |
|---|---|
| Medical cover limit i | £4,000.00 |
| Medical excess i | £50.00 |
| Annual policy limit i | £4,000.00 |
| Annual condition limit i | |
| Lifetime policy limit i | Unlimited |
| Lifetime condition limit i | |
| Dental cover (if due to an accident) i | £4,000.00 |
| Cruciate ligament damage i | £1,500.00 |
| CT scans i | £1,500.00 |
| MRI scans i | £1,500.00 |
| Prescribed food i | £0.00 |
| Complementary treatment i | £500.00 |
| Euthanasia cover limit i | £0.00 |
| Cremation i | £100.00 |
| If renewed, are existing conditions covered? i | |
| Age when compulsory excess rises i | 8 years |
| Amendment fee i | £7.50 |
| Holiday cancellation i | £1,500.00 |
| Holiday cover i | £0.00 |
Cover My
Lifetime £7,500
| Type of cover i | Lifetime, annual |
|---|---|
| Medical cover limit i | £7,500.00 |
| Medical excess i | £50.00 |
| Annual policy limit i | £7,500.00 |
| Annual condition limit i | |
| Lifetime policy limit i | Unlimited |
| Lifetime condition limit i | |
| Dental cover (if due to an accident) i | £7,500.00 |
| Cruciate ligament damage i | £2,500.00 |
| CT scans i | £2,000.00 |
| MRI scans i | £2,000.00 |
| Prescribed food i | £0.00 |
| Complementary treatment i | £1,000.00 |
| Euthanasia cover limit i | £0.00 |
| Cremation i | £100.00 |
| If renewed, are existing conditions covered? i | |
| Age when compulsory excess rises i | 8 years |
| Amendment fee i | £7.50 |
| Holiday cancellation i | £2,500.00 |
| Holiday cover i | £0.00 |
Cover My
Maximum benefit
| Type of cover i | Maximum benefit, condition |
|---|---|
| Medical cover limit i | £4,000.00 |
| Medical excess i | £50.00 |
| Annual policy limit i | |
| Annual condition limit i | |
| Lifetime policy limit i | Unlimited |
| Lifetime condition limit i | £4,000.00 |
| Dental cover (if due to an accident) i | £4,000.00 |
| Cruciate ligament damage i | £1,500.00 |
| CT scans i | £1,500.00 |
| MRI scans i | £1,500.00 |
| Prescribed food i | £0.00 |
| Complementary treatment i | £500.00 |
| Euthanasia cover limit i | £0.00 |
| Cremation i | £100.00 |
| If renewed, are existing conditions covered? i | |
| Age when compulsory excess rises i | 8 years |
| Amendment fee i | £7.50 |
| Holiday cancellation i | £1,500.00 |
| Holiday cover i | £0.00 |
Cover My
Lifetime £2,000
| Type of cover i | Lifetime, annual |
|---|---|
| Medical cover limit i | £2,000.00 |
| Medical excess i | £50.00 |
| Annual policy limit i | £2,000.00 |
| Annual condition limit i | |
| Lifetime policy limit i | Unlimited |
| Lifetime condition limit i | |
| Dental cover (if due to an accident) i | £2,000.00 |
| Cruciate ligament damage i | £1,500.00 |
| CT scans i | £1,500.00 |
| MRI scans i | £1,500.00 |
| Prescribed food i | £0.00 |
| Complementary treatment i | £500.00 |
| Euthanasia cover limit i | £0.00 |
| Cremation i | £100.00 |
| If renewed, are existing conditions covered? i | |
| Age when compulsory excess rises i | 8 years |
| Amendment fee i | £7.50 |
| Holiday cancellation i | £1,500.00 |
| Holiday cover i | £0.00 |
Cover My
Lifetime £3,000
| Type of cover i | Lifetime, annual |
|---|---|
| Medical cover limit i | £3,000.00 |
| Medical excess i | £50.00 |
| Annual policy limit i | £3,000.00 |
| Annual condition limit i | |
| Lifetime policy limit i | Unlimited |
| Lifetime condition limit i | |
| Dental cover (if due to an accident) i | £3,000.00 |
| Cruciate ligament damage i | £1,500.00 |
| CT scans i | £1,500.00 |
| MRI scans i | £1,500.00 |
| Prescribed food i | £0.00 |
| Complementary treatment i | £500.00 |
| Euthanasia cover limit i | £0.00 |
| Cremation i | £100.00 |
| If renewed, are existing conditions covered? i | |
| Age when compulsory excess rises i | 8 years |
| Amendment fee i | £7.50 |
| Holiday cancellation i | £1,500.00 |
| Holiday cover i | £0.00 |
Cover My
Time limited
| Type of cover i | Time-limited |
|---|---|
| Medical cover limit i | £3,000.00 |
| Medical excess i | £50.00 |
| Annual policy limit i | |
| Annual condition limit i | |
| Lifetime policy limit i | Unlimited |
| Lifetime condition limit i | £3,000.00 |
| Dental cover (if due to an accident) i | £3,000.00 |
| Cruciate ligament damage i | £1,500.00 |
| CT scans i | £1,500.00 |
| MRI scans i | £1,500.00 |
| Prescribed food i | £0.00 |
| Complementary treatment i | £250.00 |
| Euthanasia cover limit i | £0.00 |
| Cremation i | £100.00 |
| If renewed, are existing conditions covered? i | |
| Age when compulsory excess rises i | 8 years |
| Amendment fee i | £7.50 |
| Holiday cancellation i | £1,500.00 |
| Holiday cover i | £0.00 |