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Mobile phone insurance

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  • Phone Insurance options for damage, breakdown, loss & theft
  • Instant cover and unlimited claims for new and refurbished phones
  • Over 30 years industry experience
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What is Mobile Phone Insurance?

What is mobile phone insurance?

Mobile phone insurance is a way of insuring your mobile phone in the event that your phone gets lost, stolen or damaged. It’s also provides protection from the expense of replacing or repairing a mobile phone.

Do you need mobile phone insurance?

Do you need mobile phone insurance?

Mobile Phone Insurance is not just for the clumsy and accident-prone, all of us can relate to that feeling of dread when you drop your mobile phone and hope there is no damage.

1000’s of people benefit from having mobile phone insurance.  It is a really easy way of protecting you from the costs of repair or even worse, replacing a mobile phone and any accessories lost or damaged at the same time.

Think about it…

It can cost over £249* to replace an iPhone 12 screen.  An iPhone 12 insurance policy will cost you £69.90 per year with unlimited screen repairs, plus a £100 excess each time you make a claim

Also, if you love having the latest model of mobile phone, it will cost £100’s to replace a brand new iPhone or Samsung phone.

*price quoted from iSmash (14 September ‘21]

How much does phone insurance cost?

The cost of mobile phone insurance varies and is based on the overall cost of your phone. Generally, newer mobile phones cost more than an older phone and this is reflected in the cost of the insurance. 

You will normally have the option to pay for your insurance through a monthly rolling subscription, or an upfront annual payment. Annual payments can sometimes prove to provide better value over the course of a full year, so make sure to check.

It's important when comparing insurance quotes to consider the level of cover you are looking for, and then any excess fee you will need to pay when making a claim. Be aware that some companies will also charge a supplementary excess if you claim within a few months of taking out your insurance policy.

 The table below shows a selection of mobile phones from different manufacturers and a typical starting cost for insurance against accidental damage and breakdown.

Mobile Phone

Monthly Premium

Annual Premium

iPhone 13 (128GB) £3.99 £39.90
iPhone 12 (64GB) £3.99 £39.90
Samsung S21 (128GB) £3.99 £39.90
Samsung Galaxy Z Flip 3 128GB £4.99 £49.90
Google Pixel 5 £3.99 £39.90
Apple iPhone 12 Pro Max (128GB) £6.99 £69.90

 Prices are correct at the time of publishing - 14/09/2021.

Want to know how much it will cost to insure your mobile phone? Get a quote now.

What does phone insurance cover?

Choosing the right type of mobile phone insurance is straightforward. You will usually have a variety of plans to choose from which normally decided whether you want comprehensive cover that will cover, loss, theft, accidental damage, cracked screens and more.

Comprehensive mobile phone insurance policies are usually the most expensive type, but you can reduce the cost by selected a plan which excludes perils such as loss or theft, which means you are not covered if you lose your mobile phone or it is stolen, but you are covered against different types of damage or breakdown if outside your manufacturer warranty period.

Policy features
 
Policy features
5 Star Defaqto mobile phone insurance logo
 

We'll cover your refurbished devices against all of the below as long as they were purchased with a 12 month warranty.

We'll cover your refurbished devices against all of the below as long as they were purchased with a 12 month warranty.

We'll cover your refurbished devices against all of the below 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 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 insured if it gets damaged by liquids.

Your phone is insured if it gets damaged by liquids.

Your phone is insured if it gets damaged by liquids.

Wherever you go in the world, provided that this is in line with current government guidance, our worldwide cover goes with you.

Wherever you go in the world, provided that this is in line with current government guidance, our worldwide cover goes with you.

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.

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.

What can affect cost of mobile phone insurance?

Why insure your mobile phone with insurance2go

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- Miss Spence, April 2021
Rated 4.5 stars on Trustpilot

Our mobile insurance is Defaqto 5 Star rated*

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Your questions answered

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 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.

You can purchase a mobile phone insurance policy, as long as your child permanently resides with you and you own the device and can provide 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.

You can purchase a mobile phone insurance 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.

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