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Phone insurance for travelling

30/05/2018 - Insurance guides

Phone insurance is particularly important for travelling because some insurances become invalid once you venture out of the country.

Part of our series of guides here to provide information to help you in deciding whether our insurance is suitable for your needs


Many people are unsure about taking out phone insurance for travelling due to the additional cost, however if an incident occurs while you’re away, leaving your phone damaged, it can end up costing you a lot more in the long run.

Why get specific phone insurance abroad?

It’s often presumed that travel or house insurance covers all of your belongings. However, make sure you read the small print, as excess charges can be quite steep.

For example, if you go away on holiday and end up losing your smartphone, or even damaging it in the sea, but the excess charge on your policy is £300, you may not be financially able to make a claim - defeating the idea of insurance being your safety net.

Specific phone insurance is often the best way to ensure that your phone is fully covered. Another loophole with some home and travel insurance policies is that you are limited to a single item, so if your bag is stolen with your phone, laptop, jewellery and purse, you will only be able to claim for one of these items - making specific phone insurance extremely beneficial in order to stay connected.

Insuring your phone abroad

When assessing different policies, the main things to consider when insuring your phone abroad are:

Imagine being on holiday, making memories you’ll cherish forever, and realising your phone has been stolen and you’re unable to capture the moment - it’s a situation that none of us would like to be in!

Nowadays, your phone is your life, which makes it even more important to make sure downtime is kept to a minimum. By taking out a comprehensive package beforehand, you’ll have one less thing to worry about. Unfortunately, if you purchase a phone outside of the U.K, some insurers will not be able to provide cover for this.

Claiming on phone insurance while abroad

Most insurers offer the facility to claim online using the Online Claim Form, which will be processed as quickly as possible. In order to do this, you may need :

After we have received all of this information, we will then be able to offer you either a replacement or a new handset.

If you’d like to find out more about our gadget travel insurance, take a look at our helpful guides, and be sure to check our terms and conditions for our standard cover and our full cover for the exact policy details.

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