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Mobile phone insurance from £2.99 /MONTH

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      • Phone Insurance options for damage, breakdown, loss & theft
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Great value mobile phone insurance
Great value mobile phone insurance

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 selecting 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
from£3.99/MONTH
5 Star Defaqto mobile phone insurance logo
 
from£2.99/MONTH

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.

WE'VE DONE THE WORK FOR YOU

How much does mobile phone insurance cost?

The table below shows a few available deals from a list of different UK insurance providers. It's an easy way to compare prices for the full cover for an iPhone 11 64GB, iPhone 12 Pro 128GB, iPhone 12 64GB and a Samsung Galaxy S21 128GB. You can further compare the policies' prices and their cover levels by visiting the insurers' 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. 

Mobile Insurance Comparison

Provider

Monthly Premium iPhone 11 64GB 

Monthly Premium iPhone 12 Pro 128GB

Monthly premium
iPhone 12 64GB

Monthly premium
Samsung Galaxy S21 128GB

Insurance2go £6.99 £7.99 £6.99 £6.99
Gadget Cover £7.75 £8.20 £7.75 £7.75
Protect Your Bubble £9.49 £11.49 £9.49 £9.49
TapTap £9.50 £11.00 £9.50 £10.50
Trusted £8.00 £10.00 £8.00 £8.00
TinHat £7.99 £8.99 £8.99 £8.99
Row £7.99 £7.99 £6.99 £7.99


The prices compared above have the equivalent/closest excess amount to our own. Comparison based on iPhone 11 (64GB), iPhone 12 Pro (128GB), iPhone 12 (64GB) & Samsung Galaxy S21 (128GB) for the Full level of  cover. 

Last updated 14/09/2021.

HOW CAN YOU GET CHEAPER PHONE INSURANCE?

Get 2 months free insurance with an annual policy

If you choose to protect your phone* with one of our annual policies today, you'll receive a whopping 12 months for the price of 10! It doesn't get much better than that...

*Excluding the Samsung Fold and Fold2.

WHY IT'S IMPORTANT TO HAVE THE RIGHT BACKING?

Another reason to buy our insurance

We're always looking for ways to improve our product and is one of the reasons why we have partnered with AXA. Inter Partner Assistance UK Branch (part of the AXA group of companies) are now underwriting all of our personal gadget insurance policies to give you even more piece of mind. 

Why insure your mobile phone with insurance2go

BREAKING DOWN YOUR INSUARNCE PREMIUM

What affects the cost of phone insurance?

DETAILS OF YOUR INSURANCE

What does phone insurance cover?

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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Would highly recommend insurance2go... Very easy to follow, very nice people to speak to. Have no complaints 👌
- Miss Spence, April 2021
Rated 4.5 stars on Trustpilot
What is Mobile Phone Insurance?

Why buy phone insurance?

There are plenty of good reasons for and against protecting your phone, 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 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 phones with manufacturer grade level parts. If we can't repair your phone, we'll replace it wherever possible with a like for like replacement.

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.

Do you need mobile phone insurance?
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

Our mobile insurance is Defaqto 5 Star rated*

What are Defaqto Star Ratings?
Recommended by MoneySavingExpert

As seen on Money Saving Expert

Read the article

Your questions answered

New phones 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 phones 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 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.

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 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 phone
  • 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
  • You also get unlimited claims as standard across both policies.


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). 

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.

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 or refurbished when you purchased it.

In the case of refurbished phones, you will need to have obtained a 12 month warranty from the network or retailer who supplied you with the phone.

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. 

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 phone safe, for example, purchasing a sturdy case for your phone can help protect it against bumps and scrapes.

Additionally, when taking your phone 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 phone 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 phone. 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 phone.

If you travel often to foreign countries, make sure your policy covers either the world or the country you are traveling to. 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, as long as your childs permanent is the same as your own (even if they are off at university), you own the phone 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.

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.

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