Press releases

The 'Gadget Generation' could result in an expensive summer break.

Mike Lawler - Legal & General's general insurance business
Mike Lawler
Legal & General's
general insurance business

25 July 2011

Mike Lawler - Legal & General's general insurance business
Mike Lawler
Legal & General's
general insurance business

The research highlighted that parents definitely need to have eyes in the back of their head. Nearly a fifth (19%) said that their children had sent a text message from their phone without them even knowing and a quarter mentioned how children have run-up the phone bill with calls without their knowledge at the time. The research also revealed that 10% of children have downloaded apps onto their parents’ smartphones without them being aware.

It seems that this ‘Gadget Generation’ is only going to get bigger as over half (60%) of toddlers, that is children between the ages of six-months and two-years old, are now picking up and playing with gadgets and technology in the home. According to parents, one in ten (10%) six-month old children are playing with gadgets, such as an iPad or Kindle, and laptops.

So for any parent with expensive gadgets in the home, the summer holiday could mean that perhaps their prized possessions could be at risk if they’ve not protected them from inquisitive fingers. The research also asked parents to rank their fears of what items they dreaded their children getting hold of and possibly damaging. They listed laptops (63%), HD TVs (41%) and iPads (34%) as their main concerns. Perhaps in a sign of the times, the once expensive DVD player ranks low on the list of items parents worried about being damaged.

The Legal & General research also showed:

  • Dads (36%) are more comfortable than mums (23%) letting children under the age of four play with techie gadgets
  • Virtually no parents aged 55 or over (0.6%) felt comfortable letting a child under the age of two play with any gadgets
  • Half of parents (50%) do not know for sure if their gadgets are covered for damage under their home insurance.

Mike Lawler, director for Legal & General's general insurance direct business said: “I find it amazing how quickly children know how to use technology gadgets. But inquisitive fingers can soon become expensive fingers if the gadget they play with should break. We are increasingly bringing new and often expensive pieces of technology into our homes,[iv] which if left within reach, can be very tempting for a child to then play with. While smartphones and HD TVs can help to keep children entertained, we need to be watchful to protect these expensive items and also those little fingers.”

Legal & General suggests that parents check their insurance policy to see what cover they have in place if their children are part of the new ‘gadget generation’. For more information on the house insurance cover available from Legal & General for gadgets in or out of the home visit:

Notes to editors

Sources: The survey was conducted by OnePoll, between 13th April and 15th April 2011with a total of 200 people across the UK.

If a customer should need to make a claim they will need to demonstrate that they did take all reasonable care to prevent any damage happening. They should also bear in mind that making a claim could impact any no claims discount that they may have and that there is likely to be policy excess, which would apply to any claim, they may make. The typical excess is £100 and this amount would be deducted from every valid claim payment. Customer should check with their insurance provider or adviser to be clear on the actual cover available and the policy terms.

1. The information contained in this press release is intended solely for journalists and should not be used by consumers to make financial decisions. Full consumer product information can be found at or by calling 0800 0279833. We may record and monitor calls. Lines are open 8am to 8pm Monday to Friday and 9am to 5pm Saturday and Sunday. Alternatively, consumers should speak to their insurance adviser to check they do have adequate cover in place.

2. Legal & General Insurance Limited is authorised and regulated by the Financial Services Authority (FSA).

3. Issued by Legal & General Insurance Limited. Registered address is One Coleman Street, London EC2R 5AA. Registered in England No 423930.

For more information please contact:

Berni Ryan

Berni Ryan
PR Manager

t: +44 (0) 1737 375369
m: +44 (0) 7788 926790