Comparing phone insurance from Vodafone

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Compare Vodafone mobile insurance

Vodafone mobile phone insurance is typically offered as an add-on when you take out a phone contract. This means your mobile phone insurance with Vodafone is managed alongside your airtime plan, making it simple, though it may offer less flexibility than standalone cover options.

What does Vodafone mobile phone insurance cover?

A typical Vodafone mobile phone insurance policy includes protection for the most common issues affecting mobile devices, such as accidental damage, mechanical breakdown, theft and loss. However, cover limits, eligibility and exclusions may apply depending on your contract and device.

Is Vodafone mobile phone insurance worth it?

Whether Vodafone mobile phone insurance is right for you depends on how you use your device and how much flexibility you want with your phone insurance.

Pros of Vodafone mobile phone insurance

Wide range of cover: Provides flexible insurance, from basic screen-damage cover to full protection including loss, theft, accidental damage and breakdown.
Manufacturer-approved repairs: Repairs aim to use manufacturer-approved parts where possible, and Vodafone provides cover if a repair affects a future warranty claim
Fast repairs and replacements: This can vary depending on your policy, but next-day replacement devices and fast-track repairs are available. Screen-damage policies also offer 24-hour repair options for an additional fee.
Worldwide protection: Vodafone mobile insurance policy can offer international cover.
AppleCare support on selected plans: Certain policies include access to AppleCare Services.

Considerations of Vodafone mobile phone insurance

Limited claims allowance: Vodafone policies typically restrict customers to a maximum number of claims (often up to three in a 12-month period), after which the policy may be cancelled.
Excess fees apply per claim: You must pay an excess each time you make a successful claim, and the amount varies depending on your device and claim type.
Cosmetic damage not covered: Scratches or other cosmetic issues that don't affect device functionality are generally excluded.
Device eligibility restrictions: Phones must usually be under a certain age (around 37 months) and meet condition requirements to qualify for cover.
Replacement devices are refurbished: Even when a claim is accepted, replacements are typically high-grade refurbished devices rather than brand-new.
Claim conditions and exclusions apply: Claims can be declined if you haven't taken reasonable care of your device or if it was left unattended in certain situations.

How much does Vodafone insurance cost?

The cost of Vodafone mobile insurance depends on your device type and cover level. Generally, higher-spec phones cost more to insure. Pricing is usually structured as a monthly add-on to your contract, meaning your total cost varies based on your device and plan.

For further information on how the Vodafone mobile insurance policy compares with insurance2go and other providers, check out our comparison table to find out more.

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How does Vodafone compare with Insurance2go?

Here's how Vodafone phone insurance compares with our standalone cover:

	Vodafone (1 year of full cover)	Insurance2go (1 year of full cover)
When can I purchase insurance?	To purchase Vodafone mobile phone insurance, you need to be a Vodafone pay-monthly customer and your device must be under 37 months old.	Insurance can be bought anytime as long as the phone is under 36 months old.
What is covered?	Accidental damage Mechanical breakdown Theft Loss	Accidental damage Mechanical breakdown Theft Loss
When can I cancel?	Policies can be cancelled within the first 30 days for a full refund, provided that no claim has been made during that period. The policy can be cancelled at any time. Policies are automatically cancelled once the claim limit is reached (typically up to three claims within a 12-month period).	Policies can be cancelled within the first 14 days for a full refund, provided that no claim has been made within that period. Cancel anytime.
What can I claim for?	Maximum of 3 successful claims within a 12-month period. If a third claim is made in any 12-month period, your policy will be cancelled as soon as the third claim has been settled.	Unlimited claims.
Am I covered for unauthorised usage?	Vodafone insurance does not cover unauthorised network charges (such as calls, texts or data) made after the device has been lost or stolen.	Cover for unauthorised usage when the phone is lost or stolen up to the amount of £1000.
Who carries out the repairs?	Repairs are carried out and managed through Vodafone's approved repair process and service network, which may include third-party repair centres appointed by Vodafone.	Our UK based repair centre uses quality repairs and replacements in all claims.
When will the insurance stop?	Insurance may be terminated if the maximum number of claims is reached (typically up to three claims in a 12-month period), after which the policy may be cancelled. The cover will end if your Vodafone Device Plan or Vodafone Airtime Plan is cancelled, as the insurance is linked to your active Vodafone mobile contract. Your policy will also automatically end if your Vodafone Pay Monthly mobile contract is terminated or no longer in place.	Insurance will only be terminated upon the policyholder's instruction at any point during the lifetime of the policy or any ongoing claim.

Information correct at the time of publishing - April 2026.

Straightforward. Hopefully I don't ever need to claim but I've lost a few in the past and so insurance is needed. This lot do a great deal compared to others I had quoted.

Paul Slack, Trustpilot

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.

If a bowl of rice can't save your phone, don't worry. We'll do what we can to repair it if it gets damaged by liquids, otherwise, we can replace it.

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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