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Best Value Phone Insurance from £1.99 /MONTH

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  • Affordable phone insurance with Essential and Full cover options
  • Instant cover with unlimited claims
  • 94% of claims approved in 2024
  • 12 months for the price of 10 when you choose annual cover

What is best value phone insurance?

Best value phone insurance gives you flexible protection at a price that works for you, with a choice of Essential or Full cover depending on your needs.

It protects your phone against common risks like accidental damage, liquid spills and mechanical breakdown, helping you avoid unexpected costs while keeping your device covered.

With simple pricing and clear options, you can choose the level of protection that offers the best balance of cover and cost.

Do I need best value phone insurance?

Smartphones are used every day and exposed to a range of risks, including drops, spills and faults.

You may benefit from best value phone insurance if you want to protect against:

  • Cracked screens or accidental damage
  • Liquid damage from spills or exposure
  • Internal faults outside warranty
  • Loss, theft or unauthorised usage (Full cover only)

With flexible pricing starting from just £1.99 per month, it’s an affordable way to protect your phone.

What’s covered with best value phone insurance?

We offer two levels of cover, so you can choose the protection that’s right for you.

Essential Cover (from £1.99 /month)

Designed for great value protection against the most common risks.

Accidental & malicious damage

If your phone is accidentally dropped, knocked or damaged by a third party, we’ll help cover the cost of repair or replacement.

Mechanical breakdown

If your phone stops working due to an internal electrical or mechanical fault outside the manufacturer’s warranty, we’ve got you covered.

Liquid damage

Spills and splashes happen. If liquid damage affects how your phone works, we’ll help repair or replace it.

Accessory cover (up to £150)

We cover essential accessories such as chargers or cables, up to a total value of £150.

Worldwide cover

Take your phone abroad and enjoy the same level of protection wherever you are.

Unlimited annual claims

Make as many claims as you need each year, giving you ongoing peace of mind.

Not included with Essential

Full Cover (from £3.49 /month)

Our most comprehensive option, offering complete protection and added peace of mind.

Accidental & malicious damage

Cover for drops, impacts or deliberate damage by a third party, helping with repair or replacement costs.

Mechanical breakdown

Protection if your phone develops a fault or stops working outside the manufacturer’s warranty.

Liquid damage

Cover for spills and liquid-related damage affecting your device.

Accessory cover (up to £150)

Protection for essential accessories such as cables and chargers.

Worldwide cover

Use your phone abroad with the same level of protection.

e-Wallet protection (up to £100)

Cover for unauthorised transactions made through your mobile wallet following an insured incident.

Loss & theft

Protection if your phone is lost or stolen, helping you replace it quickly.

Unauthorised calls (up to £1000)

Cover for unauthorised calls, texts or data usage made after your phone is lost or stolen.

Unlimited annual claims

There’s no limit to the number of claims you can make.

How much does best value phone insurance cost?

Our best value phone insurance starts from just £1.99 per month, with the option to upgrade to Full cover from £3.49 per month.

All premiums displayed include Insurance Premium Tax (IPT).

The price you pay will depend on your phone model and value, but with two clear options, it’s easy to find cover that fits your needs and budget.

You can choose:

  • Monthly payments for flexibility
  • Annual cover for better value (12 months for the price of 10)
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Why choose insurance2go for best value phone insurance?

Best Value Phone Insurance FAQs

The best value phone insurance offers a balance of affordable pricing and comprehensive protection. It should cover common risks like accidental damage and breakdown, while giving you the option to upgrade to cover loss and theft if needed.

Essential cover includes protection against accidental damage, breakdown and liquid damage.

Full cover includes everything in Essential, plus:

  • Loss & theft protection
  • e-Wallet cover for unauthorised transactions
  • Unauthorised calls, texts and data usage

This makes Full cover a more comprehensive option for higher-value devices or everyday use.

Yes. Lower-cost options like Essential cover can still provide reliable protection against the most common risks, such as damage and breakdown.

If you don’t need cover for loss or theft, it can be a cost-effective way to protect your phone.

The cost of phone insurance depends on your device and the level of cover you choose.

  • Essential cover starts from £1.99 per month
  • Full cover offers more comprehensive protection from £3.49 per month

Choosing the right option depends on how you use your phone and the level of risk you want to cover.

Loss and theft are covered under Full cover only.

If this is important to you especially for high-value smartphones. Full cover offers additional peace of mind.

Yes. You can insure new, refurbished or second-hand phones, as long as they meet eligibility criteria and were purchased from a UK-registered retailer.

Your cover starts instantly once you’ve completed your purchase, so your phone is protected straight away.

No. Both Essential and Full cover include unlimited annual claims, so you’re protected all year round.

If your phone is damaged or stops working due to a covered event, you can make a claim online.

We’ll arrange a repair or replacement, depending on the issue and your policy.

Phone repairs and replacements can be expensive, especially for newer models.

Insurance spreads the cost into affordable monthly payments, helping you avoid large unexpected expenses.

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