Get mobile phone insurance

We've partnered with Loveit Coverit to provide you with comprehensive mobile phone insurance at great prices, with experienced in-house customer care.

What is mobile phone insurance?

Mobile phones are becoming ever more sophisticated and valuable, and mobile phone insurance protects you if your phone is lost, stolen or damaged.

Depending on the policy, you may be covered if your phone breaks down, you drop it, smash the screen or it is lost or stolen.

Some mobile phone insurance policies will protect against the cost of repair if your phone stops working after the first year, or after the manufacturer's warranty period runs out.

In return for a monthly premium, mobile phone insurance covers you if your handset breaks, is lost, or is stolen. The insurance will cover the cost of repairs or a replacement phone of the same type within a couple of days.

Commonly, mobile phone contracts for more costly devices run for two years, and under the terms of the contract you will still need to keep paying, even if you no longer have the phone.

How does it work?

Enter your details

Get personalised quotes in minutes by providing details about you.

Compare quotes

Find the insurance cover that’s right for you by exploring our best deals.

Apply and save

Start saving money and apply with your chosen provider.

What our customers say

5.0

“Really easy, and great quotes, saving me a lot of money on my new car insurance renewal!”

Fior Liza Camilo

5.0

“I have used Uswitch before and they offer brilliant service.”

Felician Fisca

5.0

“How all of these things should be, quick & easy. Buying a new car should be exactly the same“

Matthew Joy

5.0

"Very helpful"

Ebony

Do I need mobile phone insurance?

Taking out mobile phone insurance is a good idea if you have a very valuable mobile phone, or if you're tied into a long contract with a provider. That's because even if your phone is lost or broken, you will have to continue paying your monthly instalments as set out in the contract. The more expensive your mobile phone, the more you will have to pay for insurance.

Think about how much you use your mobile phone, and how you would cope if it stopped working or was stolen.

If you are now working from home and do not take out your phone much from the house, then you may have sufficient cover under your Home contents insurance cover. However, it is best to check exactly what is covered.

An alternative to standalone mobile phone insurance cover is Gadget Insurance, which covers electronic devices in your home such as phone, laptops, gaming consoles, tablets and wearable technology.

Remember...

Mobile phone insurance can ensure that your phone is replaced quickly, so that you're not paying for data and texts which you cannot use.

Your policy features could cover:

Theft
Loss
Accidental damage
Liquid damage
Cracked screen
Unauthorised calls up to £10,000
Accessories up to £175
Mechanical breakdown
Worldwide cover

How do I make a mobile phone insurance claim?

You'll need to notify your insurer as soon as possible after your phone is damaged, lost or stolen. Be aware that in the case of a loss or theft you will likely have to file a police report in the location the phone was lost or stolen and provide the report number before your insurer will consider a claim.

If this occurred abroad you will still need to obtain this report from the local authorities. This can be difficult, time-consuming and frustrating depending on where you are abroad and if there are language difficulties. Allow plenty of time and patience to obtain this, and if it is in a foreign language you may need to have this translated back into English before the insurer will accept it.

What does mobile phone insurance not cover?

Not everything is covered by phone insurance. Your mobile insurance policy document and IPID, Insurance Product Information Document will list the exclusions and conditions you aren't likely to be covered for:

Theft due to negligence
Intentional damage
Manufacturer's defects (this may be covered by your phone manufacturer’s warranty)
Dents and scratches (everyday wear and tear)
Lost SIM cards
Older phones (there are insurers covering phones up to 36 months old, but usually insurance covers phones up to 6-12 months old).

Make your claim straight away

Avoid the temptation to wait until you return home to file a report for convenience. If your insurer discovers you have been untruthful they will deny the claim instantly.

You should also be completely truthful in your insurance claim. Some insurers will only allow you to make one claim per loss/theft.

So if you claim the phone was lost and the insure denies the claim, perhaps because they considered you to be careless in the way it was lost, you can't then change this to a theft in hopes the claim will be approved and paid out.

FAQs - Mobile phone insurance

If I claim on my mobile phone insurance will it cost me?

When you have an insurance policy, you agree with the insurer under the terms and conditions of the deal that you will pay an agreed excess. This is the amount that you need to pay towards the cost of the claim.

With mobile phone insurance, the excess can be from around £30 to £200, depending on the type of cover you have bought and the value of your phone.

Although it will not cost you any money directly, if you make a claim on your mobile phone insurance, or several claims during the year you are covered, you may find that your mobile phone insurance quote is higher when you come to renew your policy. The more expensive your mobile phone, the more you will have to pay for insurance and the more likely you are to be offered a larger excess.

What information will I need to give the insurer?

When you decide to take out phone insurance, you'll need to gather some information for the insurer.

You’ll need to provide your personal information, like your name, email, address and phone number. The insurer will want to know how old your device is and what condition your phone's in. They'll also want proof of purchase from a manufacturer, network provider or mobile phone retailer.

You'll need to make sure you provide the right information because the insurer won't pay out if you don't.

Do I have to have mobile phone insurance?

Unlike motor insurance, which is compulsory, you do not need to have mobile phone insurance. However, it can give you peace of mind if you have an expensive mobile phone.

You need to balance the cost of your mobile phone insurance with the value of your phone. If you have an old, out of date model and you are no longer on contract with the phone provider, you may not be able to find a quote.

You may be covered for the loss or damage to your mobile phone under the terms of your home contents insurance cover. Mobile phone cover is not usually included as standard in home insurance, so it is best to check the details in your home contents insurance terms and conditions.

Sometimes you can add on extra cover to your home contents insurance under an “all risks” covers for single items, such as your mobile phone.

An alternative to standalone mobile phone insurance cover is Gadget Insurance, which covers electronic devices in your home such as phone, laptops, gaming consoles, tablets and wearable technology.

Can I insure more than one mobile phone?

It is possible to have a mobile phone insurance policy that covers multiple phones at one address - useful if you have a family who all has phones, or if you have different mobile phones for your work and personal life.

You could also consider Gadget insurance if you have a lot of electronic items or wearable tech in your house which you would like to cover with an insurance policy.

How do I find the best mobile phone insurance?

The easiest way to find the best mobile phone insurance is to shop around for quotes. Basic policies cover loss, theft and accidental damage.

More comprehensive mobile phone insurance policies might cover technical breakdowns, smashed screen, water or liquid damage and problems with the battery.

In addition, you can add cover for travelling with your mobile phone overseas. This is particularly important if you travel for work, although your employer may have a policy so check with them first.

Some policies also cover the cost of unauthorised calls or the excessive use of mobile data if your phone is stolen and abused.

Does phone insurance cover all phone brands and models?

The short answer is yes. Most phone insurance providers will cover most if not all phone brands and models, dependent upon age. Insurers are quick to add the newest devices like the iPhone 12 or the Samsung S20 lines to their offering. However, they also cover phone brands like Nokia, LG and even Motorola. So whether you need to insure your latest iPhone 12 Pro Max or Nokia Sirocco, you can be sure that you will find enough cover options in the market. If you’re phone is not listed on the insurer’s website, you can always contact them to discuss your cover options.