Mobile phone insurance from £3.49 /MONTH

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Instant cover and unlimited claims
Cover options for damage, breakdown, loss & theft
94% claims accepted
MoneySavingExpert's top pick

Policy features

from£3.99/MONTH

from£3.49/MONTH

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 - that's a solid promise.

It doesn’t matter where you are when you need us. Wherever you go in the world, our unlimited 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.

Get a quote Terms & Conditions Insurance Product Information Document

Get a quote Terms & conditions Insurance Product Information Document

WE'VE DONE THE WORK FOR YOU

Find the cheapest iPhone 12 insurance

An easy way of finding cheap mobile phone insurance is to compare quotes. The table below shows the deals available from a variety of the UK’s insurance providers based on an iPhone 12 64GB & the iPhone Pro 128GB device. You can compare policies based on price and cover level on their respective websites.

It's important when comparing insurance quotes to consider excess fees, and whether or not accidental damage, theft, loss and instant cover are included.

Provider	Monthly premium iPhone 12 64GB	Monthly premium iPhone 12 Pro 128GB
Insurance2go	£7.99	£9.99	Get a Quote
Protect Your Bubble	£9.49	£13.49
SwitchedOn	£8.00	£10.00
Gadget Cover	£8.49	£8.99
Debenhams	£10.75	£12.00
O2	£12.50	£15.00
EE	£12.32	£14.00

Comparison based on iPhone 12 (64GB) & the iPhone Pro (128GB) for the Full level of cover. Last updated 08/01/2021.

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 from a UK registered company.
Unlimited claims
Accidents happen, so that's why there's no limit to how many claims you can make
94% of claims accepted
You won't have to bend over backwards to prove your claim. In 2019, we approved 94%
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

Get covered in three easy steps

Get a great quote

All we need is your device make and model to show you your options
Choose your policy

Select your cover, enter your details and pay – it takes just a few minutes
You're covered

Once you've bought the cover, your policy documents will be on their way to you

Policy excess
Our policies have a set policy excess amount payable in relation to any claim made. This allows us to ensure that your premiums for cover remain as competitive as possible.
The model of phone
It wouldn't make sense to charge the same premium for a top of the range iPhone and a 3 year old Nokia - so we don't! The storage size could also have an impact.
Policy term
Usually, it is cheaper to pay 12 months upfront than one month at a time. This is true with our policies too, so make sure to take a look at both when you get a quote.
Insurance tax
No matter who you buy your mobile insurance from, all premiums will have 12% added for tax purposes.
Cost of repairs and replacements
The cost of repairing or replacing a newer model of handset is higher due to parts and replacement costs. The premium amount you pay will always take into consideration your specific device.
What you are covered for
Your premium amount will vary dependant on the level of cover you chose. Optional cover such as theft and loss cover will increase the amount that you pay for your premium.

Standard cover

Accidental damage

Whether it's a cracked screen or button fault, if your phone gets damaged by accident your insurer will arrange to repair it. If it’s not repairable, they will usually replace it.

Malicious damage

Basic phone cover protects you for any damage caused to your phone intentionally by anyone outside your immediate family.

Liquid damage

If any fluid gets into your phone and causes damage or makes it stop working as it should, insurers should repair it - if it’s not repairable, they will replace it.

Mechanical breakdown

If your phone develops mechanical problems or stops working when it’s out of warranty, for example, fails to charge, becomes unresponsive or develops camera faults - you're covered.

Worldwide cover

Some insurers will put limits on worldwide cover, but ours is unlimited. So you're insured if anything happens to it, anywhere in the world at any time.

Instant cover

Other insurers may have an exclusion period where your phone isn't covered, but with us you're covered from the moment you complete the sign-up process.

Optional extras

Loss

Losing a phone can be stressful and worrying. Insurers will get a replacement to you if you accidentally lose yours.

Theft

If you have chosen this level of cover, you'll get a speedy replacement if your phone – or any part of it - is stolen.

eWallet payments

The amount you're covered for with this can differ - with us you're covered up to £100 if your eWallet is used to make unauthorised contactless payments.

Unauthorised usage

This amount can also differ between insurers - we cover you for up to £1,000 for unauthorised calls, texts and downloads made within 24 hours of your phone being lost or stolen.

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What we can and can't insure

As with all insurance policies, there are some exclusions - for full details please refer to our Terms and Conditions and the relevant Insurance Product Information Document.

Your device should be less than 36 months old

We know that people usually tend to keep their phones for around two and a half years, but just in case you have decided to keep you phone for an extra few months, we have you covered! If you’ve held on to your faithful phone for longer than 36 months though, we unfortunately won’t be able to protect it. It is more expensive to fix older devices and harder to find parts. Older phones also tend to be more susceptible to mechanical breakdown and it is unfair to hold them to the same standards as brand new mobiles.

You bought your phone from a UK VAT registered seller

A lot of research goes into deciding which phone you’ll buy, but we ask that you also think about where you purchase your device from. We will only protect devices that have been purchased from UK registered companies as we want insured devices to be compatible with UK parts for repair and replacement. You can check if a company is registered before you purchase your phone here.

Your handset was new when you bought it

Second hand phones are a great way to purchase premium devices without paying a premium price, especially if you aren’t too bothered about getting the newest phone as soon as it’s released; but, unfortunately a lot of second hand phones are not in the best condition and have not been officially approved by the manufacturer. This is why we cannot insure your phone if it was not brand new when you purchased it. When you make a claim, we may ask that you provide a proof of purchase, so you might want to keep this safe when you buy your phone.

Your device was purchased in the UK

Sometimes new handsets can be a little cheaper when you purchase them abroad, but that also means they are held to different standards than the UK. Unfortunately, if you do choose to purchase your next phone from a country outside of the UK, we will not be able to protect it, as often manufacturers will use slightly different parts for the same model in different countries. For example, we might not be able to repair your device using UK parts if your phone uses Australian parts.

The device is in good working order

We know that cracks and breakdowns can’t be helped sometimes – that’s why we protect phones against them! – but unfortunately if your phone is not in good working order before you purchase your policy, we cannot protect your device. For example, if you drop your phone and break the screen, you cannot start a new insurance policy and claim to fix your screen – instead you could visit a walk-in repair shop to get your screen fixed.

You are 18 years old, or over

As insurance is a binding financial contract, so we can only make this agreement with someone who is 18 or over. If your child has a phone that you have bought for them, you may purchase a policy for the device, and their usage will be covered as long as they permanently live with you.

I am super satisfied with the very professional and efficient service... I had 2 phones stolen in the past 8 months. The claims process was very smooth and quickly taken care of which made the gutting situation a lot less stressful. The claims department is available even during weekends and they are very easy to reach. Definitely recommend them.

Matilde in London

Popular handsets

Here are some of the most popular phones that our customers buy polices for - if you see yours take a look at what we could offer you.

iPhone 12

iPhone 11

Galaxy S10

iPhone XR

Galaxy S20

COVERING ALL BASES

Why buy phone insurance?

There are plenty of good reasons for and against phone insurance, but the choice is up to you. We've narrowed down just some of the reasons below why we think our phone insurance is worth it.

We know that accidents happen, and while we can't cover you against absolutely everything, we've come pretty close. We are also always improving and refining our products to meet our customers' needs, but if you have any changes you would like to see let us know.

We constantly review the market to make sure that we are giving our customers the best possible value. Take a look at the comparison table above to compare our prices, or get a more precise quote for your model.

Like all insurers we have to keep an eye out for potential fraud, but there's no need to worry when it comes to making a claim. Our process is simple and quick while we also have one of the best claims acceptance rates in the market.

We don't outsource our repairs, instead our in-house fulfilment team conducts all repairs on devices with manufacturer grade level parts. If we can't repair your device, we'll replace it wherever possible with a like for like replacement.

DID YOU KNOW?

Mobile phone facts

Three hours and 15 minutes is the average amount of time we spend on our phones every day. And among the top 20% of smartphone users, that figure goes up four and a half hours and beyond.

Where does the time go? Well, most of it is spent on:

Messaging
Social media
Music and podcasts
Photos and videos
Games

However, many of us rely on our mobiles for much more. Health tracking, news, banking, navigation, shopping, alarms… even making phone calls. Our phones are so embedded in our lives that when they break down or go missing, we need them back. Fast.

See how easy it is to claim

Brands we cover

We insure most makes and models of mobile phones. Find yours and discover what great cover we can provide for you.

Apple

Samsung

Google

Huawei

OnePlus

Mobile phones

WHO WE ARE

Insurance2go is part of Loyal Insurance Services Ltd. We were established in 2007 with one clear mission: to provide great value insurance for mobile phones, tablets and laptops - at the best possible price. We are part of the SPB UK & Ireland group of businesses in the UK, who provide customers across the country with insurance and support services.

Learn more about us

Our mobile insurance is Defaqto 5 Star rated*

What are Defaqto Star Ratings?

As seen on Money Saving Expert

Read the article

Your questions answered

It is important to ensure you take out appropriate cover to suit your individual needs, and is why we've chosen to offer two policy cover levels.
Each of our mobile phone insurance policies have a series of benefits which come as standard:

• If you're prone to dropping your phone you'll get accidental damage cover to protect against a cracked screen or LCD damage
• You're also covered in case of malicious damage and liquid damage to your device
• We'll help you if your phone develops a fault or suffers a mechanical breakdown
• We cover the accessories you get when the phone is purchased - up to £150
• Unlimited Worldwide Insurance Cover.
• We offer cover for you & your immediate family when using the handset

For complete peace of mind our Full Cover policy also insures you against loss, theft, unauthorised mobile payments (up to £100) and unauthorised calls/messages/downloads (up to £1000). You also get unlimited claims as standard across both policies.

Check out the Insurance Policy Information Documents in the comparison table above for full details of what is included, and for information about what is not covered.

New devices and handsets are the norm these days - with all major manufacturers releasing new models every year. Whilst incremental improvements to their specifications are not as vast in each annual release as they were a few years ago, the prices of the top of the range modern handsets are now in excess of £1,000.

Making an investment in the latest technology is becoming an expensive past-time, and we believe the decision to take out insurance to protect your phone should become an important consideration for most.

Most new devices are purchased with a connected contract - i.e. as part of a bi-annual upgrade or new phone contract, with one of the network providers. If you then accidentally drop it resulting in a cracked screen, or are unfortunate enough to lose or damage your phone, you're left with a pretty large monthly bill which you're obliged to pay without your nice shiny piece of tech (or at least one with a few dents and scratches!).

Whilst you'll have to stump up a monthly premium (or pay it off in a lump sum) to insure your mobile, and bear in mind there will also be an excess payment if the worst does happen, this is a drop in the ocean compared to having to find another £1,000 to replace your phone.

Before you purchase a specialist mobile phone insurance policy, it's a good idea to check if your mobile is already covered by another policy or benefit.

If you are already covered it's worth checking how much cover you have. Remember that home insurance policies may provide different cover levels compared to more specialised policies like ours.

Other factors to think about include that your home insurance policy may not cover your handset outside of your home. Also, don’t forget that the policy excess on your home insurance can be high (sometimes around £500), and should you make a claim for a phone on this type of policy, it could have an impact on your no claims bonus, increasing any future premium you take out.

Whilst we can help bring peace of mind when it comes to protecting your phone, there are some things you can do to keep your device safe, for example, purchasing a sturdy case for your phone can help protect it against bumps and scrapes.

Additionally, when taking your device anywhere with you, you should keep it hidden and out of sight in your bag or pocket to deter pickpockets. You should never leave your phone unattended or in the possession of people you do not know or trust. If you must leave your device in the car, ensure your phone is out of sight and the vehicle is locked and all doors and windows are closed.

We also recommend that you regularly back up your device. Should the worst happen and you lose, or have your phone stolen, your contacts, messages, emails and photos will be up to date to the point you last backed up your phone.

It’s important to check the small print before choosing the correct policy for you. Your mobile insurance policy should reflect your lifestyle and have the appropriate level of cover for your device.

If you travel often to foreign countries, make sure your policy covers either the world, or the country you are travelling too. There may also be limitations in the number of days your ‘phone’ can be out of the country. Read the following to tips before choosing which policy is correct for you.

• Intentional Damage. This may seem obvious however, you cannot claim for repairs if you purposely damaged your own phone.
• Theft while unattended. Whilst certain policies cover for theft, you may sometimes not be covered if you have left your phone unattended, maybe in a coffee shop or on the train. It’s worth checking with individual insurers.
• A lost SIM Card. Mobile phone Insurance doesn’t typically cover lost SIM cards. You should get in touch with your network provider to organise a replacement.
• Reporting Lost or Stolen. If your phone has been stolen in the UK or abroad, you must report your phone as being stolen with the police. You can do this online or at a local Police station. If you don’t complete this step it’s likely your claim will be declined. Delays reporting your loss can sometimes mean you are not covered. Check with your provider or review the Terms of Insurance to get the full picture.

Yes, you can purchase a policy if the mobile was originally purchased in the UK and is less than 36 months in age, and you meet our other criteria for buying a policy.

In the event of a claim you will have to provide the original proof of purchase and a gifting letter from the person who bought you the mobile phone.

Yes! As long as it is 36 months old or under. We just ask that the phone is in good working order when you take out your policy and that it was new when you purchased it.

You may be asked to provide a proof of purchase if you make a claim, so make sure you know where yours is before you purchase a policy.

Yes you can, as long as your child permanently resides with you and you own the device and can provide a proof of purchase if you need to make a claim.

To see a full list of our exclusions, take a look at our Terms & Conditions.

SUPPORT FROM INSURANCE2GO

Managing your policy

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