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Best Mobile Phone Insurance For Cracked Screens

20/10/2026 - Insurance guides

A cracked phone screen is one of the most common types of smartphone damage in the UK. Whether your phone slips from your pocket, falls from a table or lands face-down on a hard surface, a damaged screen can quickly become expensive to repair.

With modern smartphones featuring advanced OLED displays, high refresh rates and edge-to-edge glass designs, screen repair costs can often run into hundreds of pounds.

That's why many consumers specifically look for mobile phone insurance that includes cracked screen cover.

In this guide, we'll explain what cracked screen insurance covers, what features to compare, how screen repairs work and what to consider when choosing the best mobile phone insurance for cracked screens.

Quick Answer: What Is Cracked Screen Phone Insurance?

Cracked screen phone insurance is cover that helps pay for repair or replacement costs if your smartphone screen is accidentally damaged.

Depending on the policy, cover may include:

The level of protection varies between providers, so it's important to check exactly what's included within the policy terms and conditions.

Why Are Cracked Screens So Common?

Smartphones have become thinner, larger and more sophisticated than ever before.

While modern display technology offers better visuals and responsiveness, larger screens can be more vulnerable to accidental damage.

Common causes of cracked screens include:

Even with protective cases and screen protectors, accidents can still happen.

How Much Does A Cracked Screen Cost To Repair?

Screen repair costs vary significantly depending on the device.

Generally speaking:

Phone Type

Typical Screen Repair Cost

Older smartphones

£50 - £150

Mid-range smartphones

£100 - £250

Premium smartphones

£250 - £450+

Foldable devices

£400 - £700+

 

Premium devices often use specialist display technology that can make repairs considerably more expensive.

For many people, a single repair can cost more than several years of insurance premiums.

What Should The Best Mobile Phone Insurance For Cracked Screens Include?

Not all phone insurance policies offer the same level of protection.

When comparing providers, consider the following features.

Accidental Damage Cover

Cracked screens typically fall under accidental damage cover.

This protects you when unexpected accidents result in physical damage to your device.

Without accidental damage protection, screen repairs may not be covered.

Fast Repair Service

Many consumers depend on their phones every day for banking, work, navigation and communication.

Look for providers with a straightforward claims process and efficient repair services.

Genuine Or High-Quality Replacement Parts

Screen quality can affect brightness, responsiveness and touch sensitivity.

Some insurers work with authorised repair networks or professional technicians that use quality replacement parts.

Cover For Premium Smartphones

Owners of newer devices should check whether the insurer covers:

Higher-value phones may be subject to different claim limits or excess amounts.

Additional Protection Beyond Screen Damage

Many consumers choose cover that protects against more than just cracked screens.

Additional cover options may include:

Broader protection can provide greater overall value.

Is Screen Repair Cover Better Than Full Phone Insurance?

Some providers offer dedicated screen repair plans.

Others provide comprehensive mobile phone insurance that includes cracked screen protection alongside wider cover.

Screen-Only Cover May Suit You If:

Full Phone Insurance May Suit You If:

Many consumers prefer comprehensive protection because screen damage is only one of several risks that can affect a smartphone.

What Does Cracked Screen Insurance Usually Cover?

Policies vary, but cover may include:

Covered

May Not Be Covered

Always review policy wording before purchasing cover.

Does Phone Insurance Cover Hairline Cracks?

This depends on the insurer and the extent of damage.

Some providers may accept claims where:

Always check policy terms and claim requirements.

Is It Worth Claiming For A Cracked Screen?

Every claim should be considered individually.

Making a claim may be worthwhile when:

For minor repairs where costs are close to the excess amount, some customers may choose to pay for repairs themselves.

What Phones Benefit Most From Cracked Screen Insurance?

Insurance can be particularly valuable for devices with expensive display technology.

Examples include:

As display technology becomes more advanced, repair costs often increase.

How To Choose The Best Mobile Phone Insurance For Cracked Screens

When comparing policies, ask yourself:

Looking beyond monthly premiums can help you find better overall value.

Common Mistakes To Avoid

Choosing Cover Based On Price Alone

The cheapest policy isn't always the best value.

Consider cover levels, excesses and claim limits.

Ignoring Excess Charges

Always understand how much you'll contribute towards a successful claim.

Failing To Check Device Eligibility

Some policies have restrictions for older or higher-value smartphones.

Overlooking Additional Risks

A policy that includes theft, loss and accidental damage may provide better protection than screen-only cover.

Why Mobile Phone Insurance Can Be Worth Considering

Modern smartphones often cost hundreds or even thousands of pounds to replace.

A single accident can leave you facing a substantial repair bill and disruption to daily life.

For many consumers, phone insurance helps provide peace of mind by reducing the financial impact of unexpected screen damage and other covered incidents.

Final Thoughts

Cracked screens remain one of the most frequent smartphone issues faced by UK consumers.

The best mobile phone insurance for cracked screens isn't necessarily the policy with the lowest premium. Instead, it's the policy that provides the right balance of cover, excess, claims support and overall value for your device.

Before purchasing cover, compare what is actually included, understand any exclusions and ensure the policy suits the way you use your phone.

A little research today could help save a significant repair bill tomorrow.

Frequently Asked Questions

Yes, many mobile phone insurance policies cover cracked screens under accidental damage protection. If your smartphone screen is cracked, shattered or no longer functions correctly following an accident, you may be able to claim for repair or replacement, subject to your policy terms and any applicable excess.

In most cases, no. Mobile phone insurance is designed to protect against future incidents, so insurers typically exclude pre-existing damage. If your screen is already cracked when you buy the policy, that damage is unlikely to be covered.

Yes. A cracked screen is usually classed as accidental damage when the damage results from an unexpected event such as dropping your phone or knocking it onto a hard surface. Most comprehensive phone insurance policies include accidental damage cover.

The cost of repairing a cracked phone screen can vary from around £50 for older smartphones to more than £400 for premium devices such as the latest iPhone, Samsung Galaxy or foldable phones. Repair costs depend on the model, screen technology and repair provider.

Phone insurance can be worthwhile if you own a high-value smartphone where screen repairs are expensive. Many modern devices cost hundreds of pounds to repair, meaning a successful insurance claim could significantly reduce your out-of-pocket costs.

Most claims involving cracked screens are resolved with a repair. However, if the damage is extensive or the device cannot be economically repaired, your insurer may replace the handset in line with the policy terms.

The excess for a cracked screen claim depends on your insurer and device model. Higher-value smartphones often have higher excess amounts. It's important to compare both monthly premiums and excess charges when choosing phone insurance.

Many mobile phone insurance providers cover accidental screen damage on Apple iPhones. Cover levels, claim limits and excess charges can vary, so always review the policy details before purchasing cover.

Yes, many insurers provide cover for cracked screens on Samsung Galaxy smartphones, including flagship and foldable devices. Screen repair costs for premium Samsung models can be substantial, making insurance an option worth considering.

The best mobile phone insurance for cracked screens is typically a policy that combines accidental damage cover, competitive excesses, efficient claims handling and protection for your specific phone model. Comparing overall cover rather than price alone can help you find the most suitable option.

Many insurers allow multiple claims, including cracked screen repairs, during the policy term. However, limitations, exclusions or increased excesses may apply depending on the provider and policy conditions.

Cracked screens are widely regarded as one of the most common reasons people claim on mobile phone insurance. As smartphones become larger and more expensive, accidental screen damage continues to be a significant concern for UK mobile users.

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