MPI - Affiliates
What does phone insurance cover?
Choosing the right type of mobile phone insurance is straightforward. You will usually have a choice of plans with different cover levels which provide varying degrees of protection for your phone.
Mobile insurance policies which provide the highest levels of cover will cost the most, but it’s important that you choose a level of protection that suits you.
You can compare our phone insurance plans in the table below:
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
|
Monthly premium
|
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.
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.
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
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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 or refurbished 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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95% of claims accepted
You won't have to bend over backwards to prove your claim. In 2022, we approved 95% of mobile phone insurance claims*.
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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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Flexible insurance plans
Choose to pay for a year upfront, or pay on a rolling monthly basis
What affects the cost of phone insurance?
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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 phone.
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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 does phone insurance 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.
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 👌
What mobile phones can I insure?
Here are some of the most popular phones that our customers buy insurance 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 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.
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