Can I Insure a Refurbished, Used or SIM‑Free Phone?

A used phone that has been sold privately would not usually be covered for insurance.

This guide explains what insurers typically accept, what to watch out for, and whether insurance is worth it for these types of phones.

What counts as a refurbished, used or SIM‑free phone?

What is a refurbished phone?

A refurbished phone is a second‑hand device that has been professionally inspected, repaired where necessary, and tested to ensure it’s fully functional. These devices are often sold with a warranty and graded based on cosmetic condition.

What is a used phone?

A used phone is a previously owned device sold “as is”, often by a private seller or friend. It may not have undergone professional testing or repairs and usually does not come with a warranty.

What Is a SIM‑Free Phone?

A SIM‑free phone is an unlocked handset that isn’t tied to a mobile network. It can be brand new, refurbished or used and is typically purchased outright rather than on contract.

Can you insure a refurbished phone?

Most insurers allow refurbished phones to be insured if they meet eligibility requirements. Typically, this means:

• The phone is fully working when the policy starts
• There is no existing damage (e.g. cracked screen or liquid damage)
• The device was refurbished by a reputable seller
• Some insurers may ask for proof of purchase or confirmation of the refurbishment condition.
• A warranty for the mobile phone.

You can insure a refurbished phone ‘as long as it comes with a 12 month warranty from a UK registered business.

Can you insure a used phone?

Yes, used phones can usually be insured — even if they weren’t bought new — provided they’re in good condition at the start of cover.

Common requirements include:

• No pre‑existing damage or faults
• Working screen, buttons and camera
• Proof of purchase
• 12-month warranty
• Phones with existing faults are unlikely to be accepted for insurance.

Can SIM‑free phones be insured?

Yes. SIM‑free phones are generally treated the same as contract phones for insurance purposes.

As long as the phone:

• Meets the insurer’s age limits
• Is undamaged and fully functional
• Is owned outright by you and you have proof of purchase
• Warranty is provided

it can usually be insured against accidental damage, theft and loss (depending on the policy).

What does phone insurance usually cover?

Phone insurance commonly covers:

• Accidental damage (including cracked screens)
• Liquid damage
• Theft
• Loss

Cover varies by provider, so always check what’s included and whether exclusions apply.

Things to check before insuring a refurbished or used phone

• Before taking out cover, check:
• Maximum device age limits
• Proof of purchase requirements
• Excess amounts
• Whether replacements are refurbished

Providers like Insurance2go focus on simple eligibility, fast claims and affordable cover, particularly for everyday phone risks.

FAQs about insuring refurbished and used phones

Can I insure a refurbished phone bought online?

As long as you purchased your phone refurbished or second-hand from a UK retailer and it came with a minimum of 12 months warranty, we could have you covered in no time

Do insurers replace refurbished phones with new ones?

Usually, replacements are refurbished devices of similar model and condition.

Can I insure a gifted phone?

Many insurers allow this, provided you can show proof of ownership.

Is insurance worth it for a cheaper refurbished phone?

It depends on repair and replacement costs. Higher‑value refurbished phones are more likely to justify insurance.

Can I insure an already damaged phone?

No. Pre‑existing damage is not covered.