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SIM-Only Phone Insurance from £2.99 /MONTH

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  • Cover your phone for damage, loss & theft
  • Worldwide protection included
  • Unlimited claims
iPhone Insurance | Insure your Phone
iPhone Insurance | Insure your Phone

What is SIM-only phone insurance?

SIM-only phone insurance is designed for customers on SIM-only plans who want to protect the phone they use with their SIM.

This policy covers your registered device, helping with the cost of repair or replacement if it’s damaged, lost or stolen.

The SIM card itself is not insured. Instead, your cover applies only to the specific phone you register on your policy.

From cracked screens to accidental spills, or even theft or loss, having insurance in place means you won’t be left facing a large bill for your device.

Important: How your cover works

Your policy is linked to one registered device, not your SIM card.

You must register the phone you want to insure

Only the registered device is covered under your policy

If you move your SIM into a different phone, that device won’t be covered unless you update your policy

Failing to register or update your device details may result in claims being declined.

Why consider SIM-only phone insurance?

SIM-only plans offer flexibility and value, but they do not include device protection.

That means if your phone is damaged, lost or stolen, you would need to cover the cost yourself. SIM-only phone insurance helps protect your device, giving you peace of mind if something goes wrong.

Insurance helps ensure you stay connected with minimal disruption, even when the unexpected happens.

What does our SIM-only phone insurance cover?

How much does SIM-only insurance cost?

The cost of SIM-only insurance is based on the value of your device and the level of cover you choose, along with how you prefer to pay for your policy.

Cover starts from just:

£2.99 per month for the Essential cover level

You can choose between our two levels of protection:

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

This gives you the flexibility to select the level of cover that suits your needs and budget.

The price reflects the value of your device and the cost of repair or replacement helping you avoid potentially expensive one-off costs if something goes wrong.

A single screen repair could cost more than the annual insurance cost.

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Why insure your SIM Only Phone with insurance2go?

Insure your SIM-only phone today

Your phone plays a central role in how you stay connected, whether you're at home, at work or on the move. From messages and calls to apps, banking and everyday tasks, it’s not something you want to be without.

With insurance designed for real-life use, you can protect your registered phone against the unexpected, so if something goes wrong, you’re not left facing costly repairs or replacement.

Start your quote now and get covered in minutes.

Or simplify your protection by covering all your tech together with our multi‑gadget insurance — one policy, total peace of mind.

If you have any questions, visit our help & support section, or get in touch with our customer support team online or by calling 0333 999 7905 during our opening hours.

Eligibility criteria and policy exclusions

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SIM Only phone insurance FAQs

Our SIM-only phone insurance includes protection against:

  • Accidental and malicious damage
  • Liquid damage
  • Theft and loss (Full cover only)
  • Unauthorised usage (Full cover only, subject to limits)
  • Worldwide use
  • Unlimited claims

This gives you cover for the most common risks your device may face.

For full details, please refer to the policy wording in the Insurance Product Information Document (IPID).

You can make a claim using our online claims portal, available 24/7, and track your claim at a time that suits you.

Alternatively, you can contact the Citymain claims team by calling 0333 999 7905 or emailing claims@citymain.com. The team is available Monday to Saturday, 9am – 5.30pm.

In addition to SIM Only phone insurance, we also offer cover for a wide range of tech, including laptops, tablets, smartwatches, headphones, games consoles and digital cameras.

Our gadget insurance and multi‑gadget cover make it easy to protect all your technology in one place.

Prices start from £2.99 per month, depending on your device and level of cover.

You can choose between Essential and Full cover, and pay monthly or annually, with annual payments often offering better value.

Yes — you can insure a phone that is:

  • New, refurbished or second-hand
  • Purchased from a UK-registered company
  • Supported by proof of purchase

New, refurbished or second‑hand devices (refurbished and second‑hand devices must include a minimum 12‑month warranty)

Your phone must be purchased from a UK‑registered retailer, you must be the owner, and the device must meet our eligibility criteria, including applicable warranty requirements.

Accessories may be covered depending on your policy terms. This can include items such as:

  • Chargers and cables
  • Cases and protective accessories

Please check your policy documents for full details and any applicable limits.

If your device is lost or stolen, you’ll need to:

  • Report theft to the police (where applicable)
  • Contact our claims team as soon as possible
  • Provide any required documentation

We’ll then guide you through the next steps to repair or replace your device.

Yes — if you change your phone, you’ll need to contact us to update your policy.

Your cover applies to the registered device and is subject to eligibility and policy terms.

No — this policy covers the phone you register, not the SIM card itself. It’s designed for customers on SIM-only plans who want to protect their device.

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