A cracked screen, a stolen phone or a laptop that suddenly stops working can be expensive to put right. Gadget insurance can help with some of those costs, but getting the right cover means knowing how the policy will actually work for you.

The start of a new school year usually means getting back into routines, picking up schoolbooks and supplies, and making sure everyone has what they need for the months ahead. 

Between packing the tent, planning your journey and getting ready for the weekend, insurance might not be the first thing on your mind. However, taking a few minutes to review your cover before you leave could help avoid unexpected problems later.