O2 Insure Mobile Phone Insurance Comparison

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.

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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?	You have up to 28 days after you purchased or upgraded your phone to get O2 insurance.	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, after the initial 14 day period. 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. No refund will be due if a claim has been made during the initial 14 days of cover. 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.
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 - July 2022.

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.

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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

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 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.

Your phone is covered if it gets damaged by liquids.

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.

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 £1,000 worth of unauthorised calls, texts and downloads made in the first 24 hours after the loss or theft of your phone.

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Instant cover
Whether you buy a monthly or annual policy you’re covered from the moment you buy
Any make, any model up to 36 months old
We insure any phone bought new or refurbished from a UK registered company.
Unlimited claims
Accidents happen, so that's why there's no limit to how many claims you can make
95% of claims accepted
You won't have to bend over backwards to prove your claim. In 2022, we approved 95% of mobile phone insurance claims*.
Here since 2007
We were one of the first businesses to provide specialist insurance for mobiles and gadgets
In-house service from start to finish
Enjoy our seamless service from UK-based support and repair teams