Dynamo Insurance UK is a digital insurance provider based in London, UK. They offer a range of products such as car insurance, gadget insurance, home insurance and travel insurance. Their mission is to make insurance simpler and more transparent by using technology to provide customers with an easy-to-use online experience. They strive to provide customers with the best possible value for money and the highest level of customer service.
| Customer happiness score | 46% |
|---|---|
| Customer trust score | 35% |
| Complaints performance | 57.11% |
| Transparency rating | 44.69% |
| Fairer Finance score Reviewed Autumn 2023 |
46% |
| Accidental loss cover i | |
|---|---|
| Mechanical breakdown cover i | |
| Maximum single-item cover limit i | £2,000.00 |
| Type of product i | Stand-Alone |
| Territorial limits restriction i | |
| Accidental damage cover i | |
| Mechanical breakdown cover replacement limit i | £2,000.00 |
| Theft Cover i | |
| Theft replacement limit i | £2,000.00 |
| Malicious damage cover i | |
| Unauthorised usage cover i | £100.00 |
| Unauthorised usage cover (E-wallet) i | £0.00 |
| Accessories cover limit i | £0.00 |
| How is the excess charged? i | Standard excess applied to all gadgets and claim types |
| Lowest excess i | £150.00 |
| Liquid damage excess i | £150.00 |
| Theft & loss claims excess i | £150.00 |
| Accidental damage and breakdown claims excess i | £150.00 |
| Cancellation fee i | £0.00 |
| Arrangement fee i | £0.00 |
| Additional early claims excess i | £0.00 |
| Immediate cover with no additional excess in the first 30 days of the policy i | |
| High end smartphones (>£1,000) minimum excess i | £150.00 |
| High end tablets (>£1,200) minimum excess i | £150.00 |
| High end laptops (>=£1,500) minimum excess i | £150.00 |
| High end MacBooks (>=£1,500) minimum excess i | £150.00 |
| Rapid replacement i | |
| Pro-rata refund i | |
| Claim under warranty i | |
| Replacement claims limit per Item for accidental damage/mechanical failure i | 2.00 |
| Replacement claims limit per Item for theft or loss i | 2.00 |
| Replacement warranty i | No new warranty or extension on replaced items |
| International cover limit (Days) i | 90.00 days |
| Universal gadget policy? i | |
| Family cover i | |
| Multi cover discounts i | |
| Underwriter i | Astrenska Insurance 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 | Only for UK |
| Maximum age of phones i | 24 months |
| Maximum age of gadgets eligible for cover i | 24 months |
| 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 |
| Accidental loss cover i | |
|---|---|
| Mechanical breakdown cover i | |
| Maximum single-item cover limit i | £2,000.00 |
| Type of product i | Stand-Alone |
| Territorial limits restriction i | |
| Accidental damage cover i | |
| Mechanical breakdown cover replacement limit i | £2,000.00 |
| Theft Cover i | |
| Theft replacement limit i | £2,000.00 |
| Malicious damage cover i | |
| Unauthorised usage cover i | £100.00 |
| Unauthorised usage cover (E-wallet) i | £0.00 |
| Accessories cover limit i | £0.00 |
| How is the excess charged? i | Standard excess applied to all gadgets and claim types |
| Lowest excess i | £200.00 |
| Liquid damage excess i | £200.00 |
| Theft & loss claims excess i | £200.00 |
| Accidental damage and breakdown claims excess i | £200.00 |
| Cancellation fee i | £0.00 |
| Arrangement fee i | £0.00 |
| Additional early claims excess i | £0.00 |
| Immediate cover with no additional excess in the first 30 days of the policy i | |
| High end smartphones (>£1,000) minimum excess i | £200.00 |
| High end tablets (>£1,200) minimum excess i | £200.00 |
| High end laptops (>=£1,500) minimum excess i | £200.00 |
| High end MacBooks (>=£1,500) minimum excess i | £200.00 |
| Rapid replacement i | |
| Pro-rata refund i | |
| Claim under warranty i | |
| Replacement claims limit per Item for accidental damage/mechanical failure i | 2.00 |
| Replacement claims limit per Item for theft or loss i | 2.00 |
| Replacement warranty i | No new warranty or extension on replaced items |
| International cover limit (Days) i | 90.00 days |
| Universal gadget policy? i | |
| Family cover i | |
| Multi cover discounts i | |
| Underwriter i | Astrenska Insurance 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 | Only for UK |
| Maximum age of phones i | 24 months |
| Maximum age of gadgets eligible for cover i | 24 months |
| 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 |
| Accidental loss cover i | |
|---|---|
| Mechanical breakdown cover i | |
| Maximum single-item cover limit i | £750.00 |
| Type of product i | Stand-Alone |
| Territorial limits restriction i | |
| Accidental damage cover i | |
| Mechanical breakdown cover replacement limit i | £750.00 |
| Theft Cover i | |
| Theft replacement limit i | £750.00 |
| Malicious damage cover i | |
| Unauthorised usage cover i | £100.00 |
| Unauthorised usage cover (E-wallet) i | £0.00 |
| Accessories cover limit i | £0.00 |
| How is the excess charged? i | Standard excess applied to all gadgets and claim types |
| Lowest excess i | £75.00 |
| Liquid damage excess i | £75.00 |
| Theft & loss claims excess i | £75.00 |
| Accidental damage and breakdown claims excess i | £75.00 |
| Cancellation fee i | £0.00 |
| Arrangement fee i | £0.00 |
| Additional early claims excess i | £0.00 |
| Immediate cover with no additional excess in the first 30 days of the policy i | |
| High end smartphones (>£1,000) minimum excess i | Only Covers Smartphones up to £750 |
| High end tablets (>£1,200) minimum excess i | Only Covers Tablets up to £750 |
| High end laptops (>=£1,500) minimum excess i | Only Covers MacBooks up to £750 |
| High end MacBooks (>=£1,500) minimum excess i | Only Covers MacBooks up to £750 |
| Rapid replacement i | |
| Pro-rata refund i | |
| Claim under warranty i | |
| Replacement claims limit per Item for accidental damage/mechanical failure i | 2.00 |
| Replacement claims limit per Item for theft or loss i | 2.00 |
| Replacement warranty i | No new warranty or extension on replaced items |
| International cover limit (Days) i | 90.00 days |
| Universal gadget policy? i | |
| Family cover i | |
| Multi cover discounts i | |
| Underwriter i | Astrenska Insurance 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 | Only for UK |
| Maximum age of phones i | 24 months |
| Maximum age of gadgets eligible for cover i | 24 months |
| 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 |
| Eligibility period after purchasing / hiring the vehicle i | Not specified |
|---|---|
| Payout type i | Return to invoice |
| Dealer fitted accessories cover limit i | £2,000.00 |
| Motor insurance excess cover i | £1,000.00 |
| Home Security Cover i | |
|---|---|
| Home Emergency Cover limit i | £2,500.00 |
| Internal plumbing and drainage i | |
| Primary Heating System i | |
| Boiler breakdown cover i | |
| Annual boiler service i | |
| Internal gas supply pipe cover i | |
| Pest infestation cover i | |
| Domestic Power supply covered? i | |
| Cover Type i | Stand Alone |
| Alternative Accommodation Cover i | £250.00 |
| Unoccupied period i | 30 |
| Claims limit i | Unlimited |
| Home Security Cover i | |
|---|---|
| Home Emergency Cover limit i | £2,500.00 |
| Internal plumbing and drainage i | |
| Primary Heating System i | |
| Boiler breakdown cover i | |
| Annual boiler service i | |
| Internal gas supply pipe cover i | |
| Pest infestation cover i | |
| Domestic Power supply covered? i | |
| Cover Type i | Stand Alone |
| Alternative Accommodation Cover i | £250.00 |
| Unoccupied period i | 30 |
| Claims limit i | Unlimited |