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.

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.

Remember...

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).

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.