What does phone insurance cover?

People often wonder what phone insurance covers, but it isn't always straightforward to answer because it depends on their policy. But phone insurance can most definitely help protect against an array of unexpected issues.

In this blog, we'll explain what's typically included, what isn't and what to look for when you're comparing different policies.

What does mobile phone insurance cover?

Your mobile phone insurance cover depends on factors such as your provider and the level of protection you opt for. Generally speaking, comprehensive phone insurance policies can include cover for:

• Accidental damage
• Cracked screens
• Liquid or water damage
• Mechanical breakdown
• Theft
• Loss

Some policies may also include additional benefits, such as cover for unauthorised usage following theft. At insurance2go, we're proud to offer our customers both Full and Essential mobile phone insurance plans. The cover provided differs between our plans and those of other companies, so check exactly what protection is included before you take out a policy.

Understanding what is and isn't covered can help you choose the level of protection that's right for your device and how you use it.

Accidental damage, cracked screens and water damage

You're rarely without your mobile phone, which is why accidental damage is one of the most common reasons for people to make a phone insurance claim. Even with the best intentions, accidents happen when you constantly use a device. A phone can slip from your hand, fall from your pocket or be knocked from a table in seconds.

Does phone insurance cover cracked screens?

In many cases, yes, although the exact cover will vary between providers and policies. You should check whether screen damage is included under your chosen policy and whether exclusions apply. A cracked screen can adversely affect touchscreen performance, display quality, day-to-day usability and your device's appearance. Depending on the extent of the damage, a repair may be needed to restore normal functionality.

Does phone insurance cover water damage?

Many comprehensive policies include protection against accidental liquid damage.

Water damage can occur in many situations, from being caught in heavy rain to accidentally dropping your device into water. Liquid damage can affect internal components and lead to bigger issues. If a valid claim is approved, insurers will often assess whether the device can be repaired before considering a replacement device.

At insurance2go, we prioritise repairs wherever possible before we consider a replacement.

Does phone insurance cover theft and loss?

Theft and loss are often grouped, but insurers don't always treat them the same way. This is something to pay close attention to before you take out any policy.

Theft

Phone insurance policies that include theft cover may help you if your device is stolen during everyday activities such as commuting or travelling. If your phone is stolen, you should act as quickly as possible to speed up the process for your insurers. These steps are:

1. Contact your network provider
2. Block future use of the device (you can usually do this via tracking, i.e. Find Devices on iPhone)
3. Follow the claims process outlined in your policy documents

Loss

Loss cover applies when a phone has been misplaced and can't be recovered. Policies differ significantly in this area. Some include protection if a device is lost, while others focus solely on theft and accidental damage.

Many customers can get confused when trying to understand the difference between theft and loss cover. It's important to know the difference because not every policy includes both. When comparing providers, make sure you understand whether your chosen plan protects devices that are lost, stolen or damaged.

What doesn't phone insurance cover?

While phone insurance can provide valuable protection, there are limits to what policies cover. Some of the most common exclusions include:

• Cosmetic damage (that doesn't affect the phone's functionality)
• Wear and tear
• Deliberate or intentional damage
• Unauthorised modifications or repairs
• Incidents that fall outside policy terms and conditions

For example, a small scratch on the casing may not be covered if it doesn't affect the device's functionality. However, a damaged screen that prevents normal use may fall within accidental damage protection.

Does phone insurance cover accessories too?

Accessory cover varies between providers and policy types, so it's always worth checking what's included. Phone accessories can include things like chargers, cases, earphones and cables. Some insurers include accessory cover as part of a policy, while others only cover accessories in specific circumstances, such as when they're damaged during the same incident as the insured mobile phone.

If accessories are important to you, reviewing policy details before purchase can help clarify what protection is available. It may cost a little extra to have them covered.

Phone insurance and warranties: What does a phone warranty cover?

A manufacturer's warranty and phone insurance serve different purposes. A warranty is typically designed to protect against manufacturing defects, hardware faults or issues that occur through no fault of the owner. It generally doesn't cover accidental damage, theft or loss.

Depending on the policy selected, phone insurance can protect against a broader range of risks, including accidental damage, theft, loss, liquid damage and mechanical breakdown.

Understanding the difference between a warranty and insurance makes it easier to identify the type of protection that best suits your needs.

Choosing the right phone insurance for you

When comparing phone insurance policies, look beyond the monthly premium and focus on the protection offered. Useful questions to ask or include in your search are:

• Does the policy cover accidental damage?
• Is theft included?
• Am I covered if my phone is lost?
• Are accessories protected?
• Are there limits on claims?
• What exclusions apply?

It's important to consider whether your device is eligible for cover.

At insurance2go, a phone can be insured if you bought it new or refurbished from a UK-registered company and it was supplied with a warranty, even if you've owned the device for up to 3 years. You can insure devices that are up to 3 years old at the time of purchasing the policy. Once insured, your coverage will continue even after the device is more than 3 years old.

Flexibility is another consideration. You might only need cover for a single device, or you might want protection for multiple gadgets under one policy.

So, what does phone insurance cover, you ask?

The answer depends on the provider and policy you choose, but comprehensive phone insurance can often cover accidental damage, cracked screens, liquid damage, theft and, in some cases, loss. While policies differ, understanding what's included and excluded and how claims are handled can help you make an informed decision when comparing cover options.

If you're looking for protection for a phone that's lost, stolen or damaged, getting a quote is a simple way to explore the cover options available for your device.

Since 2007, insurance2go has helped thousands of customers protect devices they rely on most, offering flexible cover options for lost, stolen or damaged phones. Get a quote today and find the right cover for your device.