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Mobile phones have become an important part of our lives and we rely on them for virtually everything these days. Sadly, mobile phones are not indestructible, they can get damaged or lost, and replacing or repairing them can be really expensive. One way you can protect yourself and your device is by taking out mobile phone insurance.
Research by Mintel showed that almost a quarter (24%) of smartphone owners in the UK have broken their screen at least once. Phone insurance gives you the chance to pay a small monthly or annual premium and in case anything happens to your device, the insurer will repair it or replace it within days, without no extra cost (except the excess, which can be anywhere from £30-£175, depending on the device).
Before you start looking for the best mobile phone insurance, think about what you need from your phone insurance cover. Most insurance providers cover accidental damage and theft as standard. However, if you worry about losing your phone, you have to find a cover which includes loss. If you travel a lot, it is worth looking at phone insurance, who will cover you if something happens to your phone while you’re abroad. Some insurance providers offer limited protection abroad (for example, for 180 days in a year), but there are phone insurance providers offering unlimited worldwide cover.
If you’re worried about someone taking away your phone and using it to make unauthorised calls or use mobile data, make sure the insurance also covers airtime abuse.
When you’ve decided on what cover you need, compare mobile phone insurance providers online. This will help you find the best mobile insurance deal for the cover you want.
When you start researching phone insurance companies, you'll see that insurers offer different policies. You should pay attention to the offered cover type, the value of your phone, and the excess charge.
Cover: Look for mobile phone insurance policies that offer the right phone insurance protection for you. You might just want accidental damage phone insurance cover. Or you might want loss and theft cover too. Also think, whether you would benefit from an overseas and airtime abuse cover.
Value: How much is your mobile phone worth? Some insurers have a maximum claim value limit. Make sure you pick a policy that gives enough cover to replace or repair your phone if the worst happens.
Excess: This is how much you pay each time you make a claim. How much are you happy to pay per claim? The excess charge can range from £30 to £175 and depends on the device type. The more expensive the phone, the more you will pay.
Mobile insurance can cover you for several different situations, depending on the policy you choose:
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:
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.
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.
Yes, you can insure more than one device. Some insurers offer multi-device discounts, even if the other device is not a phone.
These are the devices you can put on one gadget insurance policy:
Get comprehensive mobile phone cover and protect your device.