O2 phone insurance
O2 phone insurance
Compare O2 phone insurance
O2 offers insurance as an add-on to its mobile contracts, allowing customers to arrange cover alongside their monthly plan. But what does O2 phone insurance include, and how does it compare to a standalone policy?
If you’re considering O2 insurance, it’s important to understand how the cover works, what’s included, and how flexible the policy is.
Take a look at how O2 mobile phone insurance compares with our own cover options at insurance2go.
What does O2 phone insurance cover?
O2 phone insurance offers coverage for accidental damage, with more comprehensive plans covering theft, loss and mechanical breakdown. Policies differ in limits, exclusions and costs, so it’s important to check the details before deciding if it’s the right option for you.
Is O2 Insure worth it?
Pros of O2 phone insurance
- Accidental damage cover: Protects against cracked screens, liquid damage and other accidental incidents.
- Theft protection: Phones are covered against theft under Full or Ultimate policies, with claims requiring a crime reference number.
- Loss cover: Included in Full or Ultimate plans, but not all policies.
- Worldwide coverage: Insurance may apply when travelling abroad, subject to policy limits.
- Accessories cover: Covers O2 accessories (up to £300) if damaged, lost, or stolen in the same incident as the phone.
- Repairs or replacement: Devices are repaired or replaced with a similar model, which could be refurbished or new.
- Mechanical breakdown: Some plans include cover for mechanical faults once the manufacturer’s warranty ends.
Considerations of O2 phone insurance
- Time-limited availability: Cover must usually be added within a set period after buying your device.
- Tied to O2 account: Policies are arranged alongside your O2 account, which may affect management or cancellation.
- SIM card requirement: Some claims may require your registered O2 SIM to be in the device at the time of the incident.
- Theft claims conditions: Theft claims generally need a crime reference number after reporting the theft to the police within a specified timeframe.
- Loss cover not standard: Only included on certain policies.
- Cosmetic damage exclusion: Scratches or dents that don’t affect functionality are generally not covered.
- Unattended devices: Claims may be declined if the device was left unattended without reasonable precautions.
How much does O2 Insure cost?
The cost of O2 phone insurance depends on the device you’re insuring and the level of cover you choose. Full cover policies start from around £8.50 per month for an Android phone and £10 for an iPhone. As with most insurance products, the overall cost can increase based on factors such as the value and type of your phone, so it’s worth reviewing the full details before taking out cover.
Check out our table to compare O2 Insure pricing with insurance2go and other providers.
How does O2 Insure compare with insurance2go?
O2 Insure allows you to combine your insurance with your monthly phone contract. We've outlined the key elements of O2 Insure in the table below and compared it with our own Full Cover policy to help you decide which is best.
Insurance2Go (Full cover) |
02 (Full cover) |
|
| Any excess? | Starting from £50-£100, depending on the phone. | Starting from £20-£40, depending on the phone. |
| Are accessories covered? | Accessories bought from any UK VAT-registered company are covered. | Only covered if purchased directly from O2 at the same time as the phone. |
| How many claims can I make? | No set claim limit on valid claims. | Maximum of 2 theft or loss claims per year. |
| When can I purchase? | Insurance can be bought anytime for phones that are up to 3 years old. Once insured, your coverage can continue after the device is more than 3 years old. | Within 28 days of purchase or upgrade from O2. |
| What is covered? | Accidental damage/Mechanical breakdown/Theft/Loss. | Accidental damage/Mechanical breakdown/Theft/Loss. |
| Are there multi-gadget discounts? | Yes, the more you cover, the more you save! | No. |
| Can I cancel at any time? | Yes. Cancel at any time without any notice period. | 30 days’ notice is required before cancelling, after the 14-day cooling-off period. |
Information correct at the time of publishing – March 2026
Everything was straightforward, super easy and simple to understand. Everything was explained before taking out insurance. I'm so happy my phone is now covered with insurance2go.
What type of phone insurance do you need?
Choosing the right type of mobile phone insurance is straightforward. You'll usually have a choice of plans with different cover levels.
Policies with 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:
It's that simple
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Choose your gadgets
Pick the tech you love, phones, tablets, laptops and more, and we’ll keep it protected. Flexible cover available for new and refurbished devices.
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Choose your plan
From single-device protection to multi-gadget cover, our flexible plans fit your tech and your lifestyle.
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Enter your details
Ready to get covered? Just enter your details to start your protection instantly – quick, easy, and with no long forms.
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Payment
Secure your cover in just a few clicks by making your payment now, and enjoy instant protection. Fast, safe and hassle-free.
Why choose us?
Because your tech deserves more than basic cover. With instant protection, unlimited claims and multi-device flexibility, insurance2go gives you more.
- Instant protection – Get covered the moment you sign up, with no delays or waiting periods.
- Cover more, save more – Get 10% off every time you insure multiple devices.
- Flexible payment plans tailored to your needs.
- Multi-device flexibility – Protect phones, tablets, laptops and more under one simple policy.
- Unlimited claims – Make as many claims as you need because accidents don’t come with limits.