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Second-Hand Phone Insurance from £2.99 /MONTH

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  • Cover for second-hand and refurbished phones
  • Protection against accidental damage, theft & loss
  • Worldwide cover included
  • Rated ‘Excellent’ on Trustpilot

What is second-hand phone insurance?

Second-hand phone insurance is designed to protect devices that have been previously owned but are still in great working condition.

Whether you’ve bought a refurbished handset, upgraded through a resale platform, or received a pre-owned phone, insurance helps cover unexpected repair or replacement costs if something goes wrong.

From cracked screens to theft or loss, having cover in place means you can continue using your device without facing high out-of-pocket expenses.

Who is this cover suitable for?

Second-hand phone insurance is ideal if you have purchased a pre-owned or refurbished device and want reliable protection.

It’s a smart choice for customers who want to:

Eligibility requirements for second-hand phones

To be eligible for cover, your phone must meet the following criteria:

These requirements help ensure that your device is suitable for cover and can be supported in the event of a claim.

What does second-hand phone insurance cover?

We offer flexible levels of cover to suit your needs and budget.

What’s covered:

Accidental & malicious damage

Protection against everyday mishaps like drops, cracks and impacts.

Liquid damage

Cover if your phone is damaged by spills or exposure to water.

Theft & loss (Full cover only)

Protection if your phone is stolen or goes missing.

Unauthorised usage (Full cover only)

Cover for calls, texts or data charges following theft (subject to limits).

Worldwide cover

Your insurance travels with you wherever you go.

Unlimited claims

No fixed limit on how many claims you can make during your policy.

If you have other devices you’d like to protect, you can also explore our gadget insurance or choose multi‑gadget cover for a single policy covering multiple items.

How much does second-hand phone insurance cost?

The cost of insuring a second-hand phone depends on:

  • The make and model of your device
  • Its current value
  • The level of cover you choose

Cover typically starts from just £2.99 per month.

You can choose from:

  • Essential cover – protection against damage and breakdown
  • Full cover – includes theft, loss and unauthorised usage

Flexible payment options are available, including monthly or annual plans.

Why insure your second-hand phone with Insurance2go?

Get cover for your second-hand phone today

Your second-hand phone may have cost less — but replacing it won’t.

From accidental drops to unexpected theft or loss, everyday risks can quickly turn into costly problems. Without insurance, you could be left paying out of pocket to repair or replace your device.

With the right cover in place, you can use your phone with confidence, knowing you’re protected if the unexpected happens. Whether it’s a cracked screen, water damage or something more serious, help is there when you need it most.

Don’t wait until something goes wrong — get the protection your device deserves today.

We also offer protection for a wide range of devices, including tablets, laptops and more. Explore our gadget insurance or multi‑gadget insurance to cover all your tech in one place.

Get a personalised quote in seconds and insure your phone in minutes.

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Eligibility criteria and policy exclusions

Second-hand phone insurance FAQs

Yes, you can insure a second-hand or refurbished phone as long as it meets our eligibility requirements, including being purchased from an authorised UK retailer with a 12-month warranty.

Your phone must be in full working order with no existing damage or faults at the time you take out the policy.

Yes, you’ll need valid proof of purchase showing where and when the phone was bought.

Yes, refurbished phones are eligible as long as they meet the same criteria as second-hand devices, including warranty and retailer requirements.

If your phone is covered under a Full policy, you’ll need to report the incident and contact our claims team. We’ll guide you through the process to repair or replace your device.

No — to qualify for cover, your phone must be purchased from an authorised UK-based retailer and include a 12-month warranty.

H3: What types of phones can I insure?

We cover a wide range of mobile phones from leading manufacturers, including popular brands such as:

Your phone can be new, refurbished or second-hand, as long as it meets our eligibility requirements. This includes being purchased from an authorised UK-based retailer, supplied with a 12-month warranty, and in full working order at the time you take out cover.

If you’re unsure whether your device is eligible, you can get a quote in seconds to check.

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