You can typically make a claim on your gadget insurance under the following circumstances:

1. Accidental Damage: If your electronic device is accidentally damaged, such as by dropping it, spilling liquid on it, or cracking the screen, you can make a claim to have the device repaired or replaced.
2. Theft: If your electronic device is stolen, either from your person, home, or vehicle, you can make a claim to receive reimbursement for the cost of replacing the device.
3. Loss: If your electronic device is lost or goes missing, you can make a claim to receive reimbursement for the cost of replacing the device. Some policies may require evidence of the loss, such as a police report.
4. Mechanical Breakdown: If your electronic device experiences a mechanical or electrical breakdown outside of the manufacturer’s warranty period, you can make a claim to have the device repaired or replaced.
5. Other Covered Events: Depending on the terms of your gadget insurance policy, you may be able to make a claim for other covered events, such as damage caused by fire, flood, or other perils, or damage caused by vandalism.

It’s important to review the terms and conditions of your gadget insurance policy carefully to understand what events are covered and any exclusions or limitations that may apply. Additionally, you should follow the claims process outlined by your insurance provider, which typically involves notifying them of the incident, providing relevant documentation or evidence, and following any other instructions for filing a claim. Keep in mind that there may be a waiting period before you can make a claim, and you may need to pay a deductible or excess amount depending on the terms of your policy.