This article was published on 14 January 2026. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

New year, new tech? Whether you’ve treated yourself in the January sales, upgraded what you rely on every day, or you’re simply browsing the latest launches, 2026 is already shaping up to be an impressive year for personal tech.

As devices get smarter and more expensive, it’s more important than ever to think about how to protect them. Cracked screens, water damage, accidental drops, or unexpected theft can happen quickly, especially when you lead a busy, active life.

Below, we’ve rounded up some of the most sought-after tech of 2026 and why these high-value gadgets may be worth protecting.

Foldable Phones: Bigger Screens, Bigger Investment

Foldable phones have moved firmly into the mainstream, and 2026 sees another step forward with devices like the Samsung Galaxy Fold7. Improved durability, refined hinges and stunning ultra-bright screens make foldables perfect for multitasking, streaming, and work on the go.

But larger foldable displays and specialist parts often mean repairs can be more expensive than traditional smartphones. If a slip or screen break happens, having cover in place could make a big difference.

Smartphones: The Must-Have Upgrade for 2026

Last year’s most talked-about launches included the Apple iPhone 17 Pro and Pro Max, boasting camera upgrades and enhanced battery life, and the all-new iPhone Air, brought premium performance in a lighter, more compact build.

With phones being the tech, we use most; maps, calls, photos, messaging, payments, they’re also the most exposed to damage or loss. Protecting a brand-new upgrade may be a smart move.

Gaming on the Go: Next-Level Portability

Portable gaming looks set to dominate again in 2026. Top contenders include the Nintendo Switch 2 and powerful Windows handhelds like the Asus ROG Xbox Ally.

These devices are designed to travel. Perfect for train commutes, long shifts with downtime, or family trips. But being portable also makes them more vulnerable to drops and loss.

Headphones: Small Tech with Big Value

Premium earbuds continue to rise in popularity. The size of the Apple AirPods Pro 3 and Bose QuietComfort Ultra Earbuds (2nd Gen) makes them easy to misplace, drop, or even put through the wash, something many owners have learned the hard way.

Smart Wear: Always On, Always Active

Wearables remain one of the fastest-growing tech categories, especially for those juggling unpredictable schedules or active roles. Popular models include the Apple Watch Series 11 or Ultra 3, Garmin Smartwatches, the next-gen Oura Ring 4 and Samsung Galaxy Ring.

These devices are worn daily, meaning they’re exposed to knocks, scrapes, and the elements, especially during fitness activities or outdoor work.

VR and AR Headsets: A New Reality for 2026

With devices like the Meta Quest range and Sony PlayStation VR2 advancing rapidly, VR and AR are moving far beyond gaming. From training simulations to family entertainment, adoption is growing fast.

With advanced sensors, lenses and displays, headset repairs are often specialist and costly.

Protect What Matters

If you’re planning to upgrade or already have one of these top 2026 gadgets, now could be a good time to think about protection. Gadget Insurance can help safeguard the tech you rely on from accidental damage, mechanical breakdown, theft or loss*, giving you extra confidence whether you’re at home, commuting, travelling or on duty.

Want peace of mind for your new tech? Explore Gadget Insurance today.

*Loss cover optional, item exclusions apply.

Police Mutual has partnered with Arma Karma who offer gadget insurance that’s designed to fit seamlessly into your everyday life. Arma Karma is part of the Bspoke Insurance Group Ltd, which also includes Police Mutual, so you know you’re in safe hands.

This article was published on 13 August 2025. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

Whether you’re off on a weekend city break or a month-long backpacking adventure, your tech can make or break the trip. At Police Mutual, we’ve pulled together this handy guide all about how to pack tech savvy and keep your gadgets safe.

1. The essentials

• Smartphone (obviously)
• Noise-cancelling headphones
• Power bank
• Universal adapter
• Lightweight laptop or tablet
• E-reader for downtime

2. Travel-friendly extras

• GPS tracker for your luggage
• Portable Wi-Fi hotspot
• Cable organiser
• Waterproof pouch for beach days or rainy cities

3. Keep it safe

• Use anti-theft backpacks
• Don’t leave devices unattended in hostels or cafés
• Back up your data before you fly

4. Insurance = peace of mind
The last thing you want to do is lose your phone in a tuk-tuk or soak your e-reader in a sunrise downpour. Gadget Insurance helps you bounce back without the stress.

Your tech helps you capture memories, stay connected, and navigate new places. Protect it like you protect your passport. Find out more about Gadget Insurance here.

Police Mutual has partnered with Arma Karma who offer gadget insurance that’s designed to fit seamlessly into your everyday life. Arma Karma is part of the Bspoke Insurance Group Ltd, which also includes Police Mutual, so you know you’re in safe hands.

Photo by Anete Lūsiņa on Unsplash

This article was published on 13 August 2025. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

We’ve all had those “oh no” moments. Tech accidents that happen in the blink of an eye (even for us at Police Mutual, believe it or not!) Whether it’s a splash, a drop, or a forgetful slip, here are some of the most common gadget mishaps people face – and how you can avoid them.

1. The coffee catastrophe

It’s Monday morning, your inbox is overflowing, and your coffee is your lifeline, until it’s not. One clumsy elbow and your latte becomes a laptop hazard. Liquid damage is one of the most frequent causes of tech failure, especially for remote workers and students.Try using a reusable coffee cup with a built in lid to avoid those annoying spillages.

2. The festival fumble

Phones and festivals are a risky combo. Between muddy fields, packed crowds, and questionable signal, it’s easy for your device to get lost, dropped, or drenched. And let’s be honest, retrieving a phone from a mosh pit is a long shot – so make sure you pack a waterproof carry case.

3. The backpack blunder

You hop off the train, grab your coffee, and head to work, only to realise your tablet is still nestled in the seat pocket. Lost gadgets on public transport are surprisingly common, especially during the morning rush or post-holiday travel. Set an alarm on your gadget to go off a couple of minutes before your stop, that way you’re less likely to forget it!

4. The pocket drop

You’re juggling keys, a coffee, and your phone, until gravity takes over. Drops from pockets or hands are everyday occurrences, especially on hard surfaces like pavements, tiled floors, or staircases. One slip can mean a shattered screen or worse, but a pop-socket or wrist strap can save you from catastrophe.

5. The beach blunder

Sun, sea, and… sand in your charging port. Beaches are great for relaxing, but terrible for tech. Saltwater corrosion and tiny grains of sand can wreak havoc on your phone, camera, or e-reader in seconds, so keep your items safely in your bag when you’re lounging on the sand.

6. The charger chaos

You plug in your device, walk away, and return to a screen that won’t turn on. Faulty chargers, power surges, or cheap cables can fry your tech unexpectedly. It’s a silent killer, until it’s too late. Always double check your charging requirements, especially if you’re abroad.

Tech accidents are part of modern life—but they don’t have to be a disaster. With the right cover, you can turn a stressful moment into a simple fix. Stay protected, stay connected. Find out more about Gadget Insurance here.

Police Mutual has partnered with Arma Karma who offer gadget insurance that’s designed to fit seamlessly into your everyday life. Arma Karma is part of the Bspoke Insurance Group Ltd, which also includes Police Mutual, so you know you’re in safe hands.

Photo by Macarena Navarro on Unsplash

This article was published on 13 August 2025. At the time of publishing, this article was true and accurate, however, over time this may have changed. Some links may no longer work. If you have any concerns about this please contact us.

You’ve just unboxed your shiny new phone, congrats! Whether it’s the latest iPhone or a sleek Android, we at Police Mutual know that there’s more to upgrading than transferring your selfies and downloading your favourite apps.

1. Back it up before you pack it up
Before switching, make sure your old device is backed up. Cloud storage is your best friend here.

2. Transfer like a pro
Use built-in tools (Quick Start, Smart Switch, etc.) to move your data seamlessly.

3. Set up security first
Enable biometric authentication (Face ID, fingerprint), set a strong passcode, and activate features like Find my iPhone or Find my Device. It’s your first line of defence.

4. Check for updates
Before diving in, make sure your new phone’s operating system and apps are up to date. Updates often include important security patches and performance improvements.

5. Update your essentials
Reinstall banking apps, two-factor authentication tools, and digital wallets. Don’t forget to log in!

6. Personalise your experience
Adjust notification settings, choose your wallpaper, and organise your home screen. A few tweaks can make your phone feel truly yours from day one.

7. Clean slate, clean case
New phone = new case. Protect it from day one with a sturdy case and screen protector.

8. Cover it before life happens
Accidents don’t wait. Gadget Insurance can help you avoid the heartbreak of a cracked screen or stolen phone. It’s quick to set up and gives you peace of mind from the get-go.

Your new phone is more than just a device, it’s your lifeline. Treat it right, and it’ll return the favour. Find out more about Gadget Insurance here.

Police Mutual has partnered with Arma Karma who offer gadget insurance that’s designed to fit seamlessly into your everyday life. Arma Karma is part of the Bspoke Insurance Group Ltd, which also includes Police Mutual, so you know you’re in safe hands.

Photo by Azwedo L.LC on Unsplash