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Compare insurance from Network Providers

Network Providers such as O2, EE and Vodafone offer insurance as an add-on to protect your phone when you take out a new contract. The insurance isn't tied to the length of your contract, and can be cancelled at anytime.

Each provider has their own levels of cover, with some partnering with the main handset providers to give customers more desirable options when it comes to protecting their tech.

Is phone insurance from a Network provider worth having?

Network providers offer phone insurance as an add-on with their phone contracts, and they can usually be bought at the same time as the phone.

Buying a new phone and insurance cover from the network provider sounds a pretty simple solution. However, it would be worth comparing with other insurers in order to see whether the protection offered meets your needs and expectations.

What should I consider when purchasing a phone insurance policy?


Do you need mobile phone insurance?

Mobile Phone Insurance is not just for the clumsy and accident-prone, all of us can relate to that feeling of dread when you drop your mobile phone and hope there is no damage.

1000’s of people benefit from having mobile phone insurance. It is a really easy way of protecting you from the costs of repair or even worse, replacing a mobile phone and any accessories lost or damaged at the same time.

How much does phone insurance cost?

The cost of mobile phone insurance varies and is based on the overall cost of your phone. Generally, newer mobile phones cost more than an older phone and this is reflected in the cost of the insurance.

You will normally have the option to pay for your insurance through a monthly rolling subscription, or an upfront annual payment. Annual payments can sometimes prove to provide better value over the course of a full year, so make sure to check.

It's important when comparing insurance quotes to consider the level of cover you are looking for, and then any excess fee you will need to pay when making a claim. Be aware that some companies will also charge a supplementary excess if you claim within a few months of taking out your insurance policy.

What can affect the cost of mobile phone insurance?

Policy excess, the model of phone, any cost for repairs and replacements, and your premium amount will vary dependent on the level of cover you chose.

When you are making a comparison between a network and a specialist insurer, the answers to these questions can be markedly different:

We've summarised each of the networks' insurance policies on the links below, and compared them to our own cover to give you the essential information on which to make a decision on which is right for you.

O2 mobile phone insurance

O2 Insure is an insurance service offered by the O2 network in addition to their connected phone contracts.

We take a look at what you could expect from their mobile phone insurance.

Phone insurance from EE

EE offer an insurance add-on which you can buy at the time of purchase, and in some cases, after you have bought your new phone from them.

We take a look at EE and their levels of cover to see what you could expect if buying their mobile phone insurance.

Mobile phone insurance from Vodafone

As part of their phone contracts, Vodafone also offers an insurance add-on which can be purchased with your mobile phone on their website.

We've explored Vodafone’s policy to see what you could expect, and compared it to our mobile phone insurance.

Compare insurance prices of network providers

Network Providers who offer mobile phone insurance each have their own cover levels and costs.

Take a look at our table where you can compare phone insurance costs from the main network providers for some of the leading devices, with our own cover.

OUR POLICIES

What type of phone insurance do you need?

Choosing the right type of mobile phone insurance is straightforward. You will usually have a choice of plans with different cover levels which provide varying degrees of protection for your phone.

Mobile insurance policies which provide the highest levels of cover will cost the most, but it’s important that you choose a level of protection that suits you.

You can compare our phone insurance plans in the table below:

Policy features
 
Policy features
5 Star Defaqto mobile phone insurance logo
 

We'll cover your new or refurbished devices brought in the UK within the last 36 months, as long as they were purchased with a 12-month warranty.

We'll cover your new or refurbished devices brought in the UK within the last 36 months, as long as they were purchased with a 12-month warranty.

We'll cover your new or refurbished devices brought in the UK within the last 36 months, as long as they were purchased with a 12-month warranty.

If your screen gets cracked or the headphone jack breaks, we’ll repair it. If it’s not repairable, we’ll replace it.

If your screen gets cracked or the headphone jack breaks, we’ll repair it. If it’s not repairable, we’ll replace it.

If your screen gets cracked or the headphone jack breaks, we’ll repair it. If it’s not repairable, we’ll replace it.

If your phone has a mechanical breakdown, for example it stops working and it’s out of warranty, send it to us, we'll repair it - if it’s not repairable, we’ll replace it.

If your phone has a mechanical breakdown, for example it stops working and it’s out of warranty, send it to us, we'll repair it - if it’s not repairable, we’ll replace it.

If your phone has a mechanical breakdown, for example it stops working and it’s out of warranty, send it to us, we'll repair it - if it’s not repairable, we’ll replace it.

If someone outside your immediate family damages your phone, we've got you covered. We’ll either repair your phone, or, if that's not possible, replace it.

If someone outside your immediate family damages your phone, we've got you covered. We’ll either repair your phone, or, if that's not possible, replace it.

If someone outside your immediate family damages your phone, we've got you covered. We’ll either repair your phone, or, if that's not possible, replace it.

Your phone is covered if it gets damaged by liquids - that's a solid promise.

Your phone is covered if it gets damaged by liquids - that's a solid promise.

Your phone is covered if it gets damaged by liquids - that's a solid promise.

Wherever you go in the world, provided that this is in line with current government guidance, our worldwide cover goes with you.

Wherever you go in the world, provided that this is in line with current government guidance, our worldwide cover goes with you.

Wherever you go in the world, provided that this is in line with current government guidance, our worldwide cover goes with you.

If you accidentally lose your phone while you're covered with us, we’ll replace it for you.

If you accidentally lose your phone while you're covered with us, we’ll replace it for you.

If you accidentally lose your phone while you're covered with us, we’ll replace it for you.

We’ll replace your phone if it’s stolen.

We’ll replace your phone if it’s stolen.

We’ll replace your phone if it’s stolen.

You're covered for up to £100 if your eWallet is used to make unauthorised contactless payments.

You're covered for up to £100 if your eWallet is used to make unauthorised contactless payments.

You're covered for up to £100 if your eWallet is used to make unauthorised contactless payments.

You’re covered for up to £1,000 worth of unauthorised calls, texts and downloads made in the first 24 hours after the loss or theft of your phone.

You’re covered for up to £1,000 worth of unauthorised calls, texts and downloads made in the first 24 hours after the loss or theft of your phone.

You’re covered for up to £1,000 worth of unauthorised calls, texts and downloads made in the first 24 hours after the loss or theft of your phone.

WHY CHOOSE US?

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