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What is O2 Insure?

O2 Insure is an insurance service add-on that can be bought at the time of purchase, or in some cases after you have bought your phone from them.

The question is - how does O2 Insure compare to our own mobile phone insurance?

How does O2 Insure work?

If you purchase insurance from O2, you will be charged monthly premiums for the insurance that you’d need to pay, which are on top of your phone contract.

How much does O2 Insure cost?

We have created a table where you can check the prices of network providers O2, EE and Vodafone, and compared them with our own. Click here to view the prices.

Is O2 Insure worth it?

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 provide a true comparison to help you make a decision on which is best. 

 

O2 Insure (Full Cover)

Insurance2go (Full Policy)

When can I purchase insurance? Insurance can be bought within 18 months of purchasing
a new phone from O2.
Insurance can be bought anytime as long as the phone
is under 36 months old.
When can I cancel?
  • 14 day cooling off period for a full refund.
  • No refund will be due if a claim has been made during
    the initial 14 days of cover.
  • 30 days’ notice are required before cancelling.
  • The maximum period of cover you can have is 5 years
    after which, the policy will be terminated.

  • 14 day cooling off period for a full refund.
  • Cancel anytime - No notice required. Policy remains active and ongoing until you decide to cancel it.
Are my accessories covered? Accessories are only covered if they were purchased directly from O2 at the same time as the phone. Accessories are covered regardless of which company
they were bought from as long as the retailer is UK VAT registered.
Does the policy include Worldwide cover? Worldwide cover for accidental damage only. Our worldwide cover goes with you, provided that this
is in line with current government guidance.
Am I covered for unauthorised usage? No cover for unauthorised network charges when the insured phone is lost or stolen. Cover for unauthorised usage when the phone is lost or stolen, up to the amount of £1000.

Information correct at the time of publishing - November 2021.

Remember to consider the excess fees applicable to each policy as well, when comparing. The excess fee is your contribution to the repair or replacement of your phone, which normally varies on the type of model you have.

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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