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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. 

In return for a monthly premium and depending on the policy, you may be covered if:

  • your phone breaks down

  • you drop it

  • smash the screen

  • it's lost or stolen

The insurance will cover the cost of repairs or a replacement phone of the same type within a couple of days.

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.

Commonly, mobile phone contracts for more costly devices run for two years. 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?

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Do I need mobile phone insurance?

Taking out mobile phone insurance is a good idea if:

  • you have a very valuable mobile phone

  • you're tied into a long contract with a provider

Even if your phone is lost or broken, you'll have to continue paying your monthly instalments as set out in the contract.

If you're now working from home 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.

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

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. Keep the claims telephone number for your insurer to hand in a safe place, so that you can quickly make a claim if needed.

To make a claim you will need the following:

  • Have the receipt/details of purchase ready

  • IMEI number

  • Details of the issue - loss, theft or damage

  • Be honest and clear about the details

If an incident happened abroad, you may need to obtain a police report the local authorities in that country. 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).

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