In the event that you make a claim, an excess fee applies which must be paid to us before your claim can be settled. This excess fee varies depending on the type of electronic equipment you have insured with us. The fees are set out below: If your claim is for a gadget up to the value of £250 (when new), the excess fee is £25 for any claim. If your claim is for a gadget between the values of £251 – £999 (when new), the excess fee is £50 for any claim. If your claim is for a gadget over the value of £999 (when new), the excess fee is £75 for any claim.