What does our phone insurance cover?
With Insurance2go, you won’t have to worry about life without your phone. If your handset gets lost, stolen or damaged, 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.
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
|
Monthly premium
|
|
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.
Providing peace of mind for your mobile
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Instant cover
Whether you buy a monthly or annual policy you’re covered from the moment you buy
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Any make, any model up to 36 months old
We insure any phone bought new from a UK registered company.
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Unlimited claims
Accidents happen, so that's why there's no limit to how many claims you can make
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94% of claims accepted
You won't have to bend over backwards to prove your claim. In 2019, we approved 94%
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Here since 2007
We were one of the first businesses to provide specialist insurance for mobiles and gadgets
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In-house service from start to finish
Enjoy our seamless service from UK-based support and repair teams
Get covered in three easy steps
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Get a great quote
All we need is your device make and model to show you your options
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Choose your policy
Select your cover, enter your details and pay – it takes just a few minutes
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You're covered
Once you've bought the cover, your policy documents will be on their way to you
What affects the cost?
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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.
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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.
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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.
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Insurance tax
No matter who you buy your mobile insurance from, all premiums will have 12% added for tax purposes.
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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.
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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.
What is covered in a phone insurance policy?
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.
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.
Would highly recommend insurance2go... Very easy to follow, very nice people to speak to. Have no complaints 👌![]()
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.

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.

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