Mobile phones are becoming more sophisticated and valuable, which makes getting the right insurance to protect you from loss, theft or damage so important.
In return for a monthly or annual premium you could benefit from cover against:
Your phone breaking
The screen cracking
Loss or theft
Unauthorised use or e-wallet transactions
The insurance policy will cover repair costs or a replacement phone of the same type. You can expect your new mobile to arrive either the next day or up to five days, depending on your policy.
Policies can be paid for annually or on a monthly-rolling basis (and cancelled at any time). They can start when you get your phone or after the manufacturer's warranty period expires.
Mobile phone insurance could come in particularly handy if you’re on a contract. This is because under the terms of a contract, which could last up to three years, you’ll still need to keep paying even if you no longer have the phone. It’s a benefit many people take advantage of, even if the manufacturer’s warranty is still valid.
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.
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Taking out mobile phone insurance could be a good idea if:
You have a valuable mobile phone
You're tied into a long contract
You rely on your mobile for work or social events
If you work from home then you may have sufficient cover under your contents insurance cover. However, it’s best to check exactly what’s covered, and what excesses apply.
An alternative to standalone mobile phone insurance cover is gadget insurance. This 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 text allowance you can’t use.
You'll need to notify your insurer as soon as possible after your phone is damaged, lost or stolen.
To make a claim you will need the following:
Your receipt/details of purchase
IMEI number – the International Mobile Equipment Identity code that is unique to your phone
Details of the issue – loss, theft or damage. If your phone is stolen, you’ll need to report it to the police and get a crime reference number
Be as clear and accurate as possible about what led to the claim. This will help your claim proceed with the minimum of fuss.
If an incident happens abroad, you may need to obtain a police report (and crime reference number) from the local authorities in that country. This can be difficult, time-consuming and frustrating depending on where you are and if there are language difficulties.
Should the police report be in a foreign language, you may need to have it translated into English before the insurer will accept it, so check what they require.
Not everything’s 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.
These typically include:
Theft due to negligence
Product defects (this may be covered by your phone manufacturer’s warranty. You may also be covered by the Consumer Rights Act if the phone came with a fault)
Dents and scratches (everyday wear and tear)
Lost SIM cards
Older phones (some insurers cover phones up to 36 months old, but others only cover phones up to 6-12 months old).
When you have an insurance policy, you agree to pay an excess. This is the amount that you must pay towards the cost of the claim.
With mobile phone insurance, the excess is usually up to £75, but it can be higher on cheaper policies and for particularly expensive phones.
If you make one or more claims on your mobile phone insurance your renewal quote is likely to be higher.
If you decide to buy phone insurance, you'll need to gather some information for the insurer.
Have your personal information, including your name, email, address and phone number to hand. The insurer will also want to know how long you’ve had your phone and its condition. Proof of purchase from a manufacturer, network provider or mobile phone retailer will also be needed.
Your policy features could cover most or all of the following:
Unauthorised calls up to a specified limit
Accessories up to a specified limit
Unlike motor insurance, which is compulsory for drivers, you don’t need to have mobile phone insurance. But it can give you peace of mind if you have an expensive mobile phone.
Balance the cost of your mobile phone insurance with the value of your phone. If you have an old model and you’re no longer on contract with the phone provider, you may not be able to find a quote.
Also, you may be covered for the loss or damage to your mobile phone under the terms of your home contents insurance. Mobile phone cover might not be included as standard with home insurance, or only be covered when it’s on your property. For this reason, it’s 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” cover for single items, such as your mobile phone.
Gadget insurance is an alternative to standalone mobile phone insurance cover. It protects smaller electronic devices such as phones, laptops, gaming consoles, tablets and wearable technology.
It’s possible to have a mobile phone insurance policy cover multiple phones at one address. This is useful if your family all have phones, or if you have different mobile phones for your work and personal life.
You could also consider gadget insurance if you have several electronic devices that you’d like covered under one insurance policy.
The easiest way to find the best mobile phone insurance is to shop around for quotes. Read and compare policy T&Cs to gain a clear idea of the benefits you want, and any limits that apply.
The majority of phone insurance providers cover most if not all phone brands and models, dependent upon age. Insurers are quick to add the newest devices like the iPhone 14 Pro Max or the Samsung Galaxy S23 Ultra to their offering. However, they also cover phone brands like Nokia, LG and Motorola.
So, whether you need to insure your new Google Pixel 7 Pro or Honor Magic 5 Pro, you can be sure that you will find enough cover options in the market. If your phone is not listed on the insurer’s website, you can always contact them to discuss your cover options.
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