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Our laptops, smartphones, cameras, and tablets are essential tools — for work, for staying connected with family back home, and increasingly for running businesses remotely from Spain. When these devices are lost, stolen, or damaged, the financial impact is immediate and significant. A replacement MacBook Pro costs over €2,000. A professional camera with lenses can be worth €5,000 or more. Standard home insurance in Spain rarely covers these adequately.
At Insurance Spain, we arrange specialist electronic and gadget insurance for expats and residents across Spain — covering your devices wherever you take them, with English-speaking support when you need to make a claim.
The most common claim — a dropped phone, a spilled coffee on a laptop, a cracked tablet screen. Accidental damage cover pays for repair or replacement when your device is damaged unintentionally. This is the cover most often excluded from standard home insurance policies in Spain, which typically only cover damage from specific events like fire or flooding.
Spain has a relatively high rate of opportunistic theft, particularly in tourist areas and cities. Barcelona, Madrid, and the Costa del Sol see significant numbers of phone and bag-snatching incidents. Electronics insurance covers the replacement cost of your device if it is stolen — whether from your home, your bag, your car, or in a public place.
Covers unexpected failure of your device beyond the manufacturer's warranty period. This is particularly valuable for expensive devices like laptops and cameras where repair costs can approach the value of the device itself. Out-of-warranty repair or replacement without insurance can cost €300–€800 for a standard laptop, more for specialist equipment.
Some policies — particularly for smartphones — include cover for accidental loss (leaving your phone in a taxi, for example). This cover is not universal and typically adds to the premium, but is available. Check the policy terms carefully if loss cover is important to you.
Many electronics insurance policies provide worldwide cover — meaning your devices are protected when you travel outside Spain as well as within the country. This is particularly useful for expats who travel frequently between Spain and the UK or other countries.
We arrange insurance for a wide range of electronic devices, including:
iPhone, Samsung Galaxy, Google Pixel, iPad, Samsung Tab, and all other major brands. High-value phones (iPhone Pro Max, Samsung Ultra) with replacement costs over €1,200 benefit most from standalone cover.
MacBooks, Dell XPS, Microsoft Surface, Lenovo ThinkPad, and other laptops. Desktop computers and all-in-one PCs can also be covered. Particularly important for remote workers and digital nomads who rely on their laptop for income.
DSLR and mirrorless cameras (Canon, Nikon, Sony, Fujifilm), camera lenses, tripods, drones used for photography, action cameras (GoPro), and video equipment. Professional and semi-professional photographers in Spain should consider specialist camera insurance with higher liability limits.
Apple Watch, Garmin, Fitbit, and similar devices. These are increasingly expensive and easily damaged — falling off while swimming or during sport is a common cause of loss.
PlayStation, Xbox, Nintendo Switch, and associated controllers and accessories. Particularly valuable for families with children.
Smart TVs, home cinema equipment, soundbars, and audio equipment. Often covered as part of a home contents policy, but standalone cover may offer better limits and broader protection.
Standard exclusions across most policies include:
This is a question we are often asked. The short answer is: probably not well enough. Spanish home contents policies typically:
If you own expensive devices that you carry with you or use for work, a dedicated electronics insurance policy is usually significantly better value than relying on your home contents policy.
New-for-old replacement is available on most policies for devices under 12 months old. For older devices, settlement is typically based on market replacement value. Ask us about the options when you request a quote.
For devices worth more than €500, yes — particularly if you carry them outside the home regularly. The cost of a single accidental damage or theft claim for a modern smartphone or laptop typically covers several years of insurance premiums. For professional photographers, videographers, or remote workers who depend on their equipment for income, it is essential.
Yes. We can arrange cover for equipment used for business purposes — laptops, cameras, specialist recording or production equipment. Business-use policies may have different terms and limits than personal cover. If you are self-employed or a freelancer working from Spain, speak to us about the right policy structure for your situation.
Policies with worldwide cover will respond to theft claims abroad. You will typically need a police report from the country where the theft occurred. Contact us before travelling if you are unsure of your policy's geographic limits.
Yes, in most cases. The device will be insured for its current market value rather than the original purchase price. You may need to provide a valuation or recent purchase receipt.
You can insure a device with pre-existing damage, but the existing damage will be noted and excluded from any future claim. The policy covers damage that occurs after the start date. It is always better to insure devices in good condition.
Fill in the quote form on this page or contact us directly. Let us know what devices you want to cover and their approximate value. We compare options and come back to you with the best available cover — usually within one working day.
