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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
      • Over 30 years mobile & gadget insurance experience
great value mobile phone insurance
great value mobile phone insurance
BLACK FRIDAY OFFER

Sale extended

We've EXTENDED our great Black Friday offer for selected models. Take advantage of our limited time offer while you can!

CHOOSING THE RIGHT POLICY

What does our phone insurance cover?

With Insurance2go, you won’t have to worry about life without your phone. If your handset gets lost, damaged or stolen, we’ll help get things back to normal as soon as we can. We have two policies which cover you for different eventualities, so choose the one which best suits your needs.

Policy features
 
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 screen gets cracked or the headphone jack breaks, we’ll repair it. If it’s not repairable, we’ll replace it.

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 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 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 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 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.

Your phone is covered if it gets damaged by liquids - that's a solid promise.

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.

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

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.

If you accidentally lose your phone while you're covered with us, we’ll replace it for 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.

We’ll replace your phone if it’s stolen.

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 £100 if your eWallet is used to make unauthorised contactless payments.

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.

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.

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.

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 £6.99 £7.99 Get a Quote
Protect Your Bubble £9.49 £13.49  
SwitchedOn £8.00 £10.00  
TinHat £8.99 £8.99  
Gadget Cover £8.99 £9.99  
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 25/11/2020.

WHY CHOOSE INSURANCE2GO

Providing peace of mind for your mobile

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

BREAKING DOWN YOUR PREMIUM

What affects the cost?

DETAILS OF YOUR COVER

What is covered in a phone insurance policy?

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.

Sony Xperia Phone Insurance

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.

Sony Xperia Phone Insurance

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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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
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 dayAnd 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.

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
Rated 5 stars by Defaqto

Our mobile insurance is Defaqto 5 Star rated*

What are Defaqto Star Ratings?
Recommended by MoneySavingExpert

As seen on Money Saving Expert

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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.

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