Need insurance for your phone? We have you covered.
Phone Insurance options for accidental damage and breakdown, loss & theft
Instant cover and unlimited claims for new and refurbished phones
Cover available even if you've had yours for up to 3 years
12 months for the price of 10 when you buy an annual policy
Get more, save more! Multi-gadget deals starting at 10% off!
What is mobile phone insurance?
With options for damage, breakdown, loss and theft, mobile phone insurance can protect you by covering the cost of repair or replacement. The extent of protection you get depends on the level of cover you choose.
Smartphones play a crucial role in most people's day-to-day lives, and having a reliable insurance policy can help take one less worry off your mind. The best models are more expensive than ever, and many people pay for long-term contracts, so it's understandable to want to cover yours in case of mishaps such as liquid damage or theft.
Do I need mobile phone insurance?
Mobile phone insurance isn't just for the clumsy and accident-prone – all of us can relate to that feeling of dread when you drop your phone, hoping there's no damage.
The cost of repairing or replacing a phone can be expensive, especially if you like staying up to date with the latest models.
Hundreds of thousands of people benefit from having mobile phone insurance. It's a really easy way to protect yourself from the cost of repairs – or even worse, replacing your phone and any damaged, lost or stolen accessories. While 87% of adults own a smartphone, only 45% have cover to protect their devices*
DEPENDING ON THE LEVEL OF COVERAGE YOU CHOOSE, YOU COULD BENEFIT FROM PROTECTION AGAINST:
What does our phone insurance cover?
Liquid Damage
If a bowl of rice can't save your phone, don't worry. We'll do what we can to repair it if it gets damaged by liquids, otherwise, we can replace it.
Theft & Loss
We'll replace your phone if it's lost or stolen – saving you from that sinking feeling.
Cracked Screen
A cracked screen can really ruin your day but, luckily, we can repair it for you.
Physical Damage
Dropped your phone? We can repair it, or even replace it – as long as the incident is covered under our T&Cs.
Unresponsive or Blank Screen
We get how frustrating it is when your phone stops responding. Rest assured, we've got you covered for this.
Worldwide cover
Today, gadgets are essential for travel. Enjoy the benefits of phone insurance that covers you while globe-trotting.
How much does phone insurance cost?
The cost of mobile phone insurance varies depending on your phone's value. Generally, newer models cost more and this is reflected in the cost of your insurance.
Typically, you can choose between a monthly rolling subscription or an upfront annual payment when you buy mobile insurance. Annual payments often offer better value over the year, so be sure to check. With us, you can get 12 months for the price of 10 months when you purchase an annual policy.
When comparing insurance quotes for mobile phones, it's important to consider the level of cover and any excess fee you need to pay when making a claim. Be aware that some companies will also charge a supplementary excess if you claim within a few months of taking out your insurance policy.
The table below shows a selection of mobile phones from different manufacturers and a typical starting cost for our insurance, based on our Essential cover with our excess and against accidental damage and breakdown.
Mobile Phone
Monthly Premium
Annual Premium
iPhone 14 (128GB)
£4.99
£49.90
iPhone 13 (128GB)
£4.99
£49.90
iPhone 12 (64GB)
£4.99
£49.90
Samsung S21 (128GB)
£4.99
£49.90
Samsung S22 (128GB)
£4.99
£49.90
Samsung Galaxy Z Flip 3 (128GB)
£7.49
£74.90
Google Pixel 5
£5.99
£59.90
Apple iPhone 12 Pro Max (128GB)
£4.99
£49.90
Prices are correct at the time of publishing - May 2025
Want to know how much it will cost to insure your mobile phone?
OUR POLICIES
What type of phone insurance do you need?
Choosing the right type of mobile phone insurance is straightforward. You'll usually have a choice of plans with different cover levels.
Policies with 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:
Policy features
Policy features
from£3.49/MONTH
from£1.99/MONTH
We'll cover your new or refurbished devices brought in the UK within the last 36 months, as long as they were purchased with a 12-month warranty.
We'll cover your new or refurbished devices brought in the UK within the last 36 months, as long as they were purchased with a 12-month warranty.
We'll cover your new or refurbished devices brought in the UK within the last 36 months, 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 covered if it gets damaged by liquids.
Your phone is covered if it gets damaged by liquids.
Your phone is covered 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 made it easier to compare several mobile phone insurance options here in the UK. This should help you make a more informed decision on which policy is right for you.
What can affect the cost of
mobile phone insurance?
Policy excess
Our policies have a set excess amount that you pay when any claim is made. This allows us to ensure that your premiums for cover remain as competitive as possible.
The model of phone
It wouldn't make sense to charge the same premium for a top-of-the-range iPhone and a three-year-old device – so we don't! The storage size could also have an impact.
Policy term
Paying for different kinds of cover in one annual fee often works out cheaper than paying monthly. You can get a discount with our phone insurance if you pay annually too. Pay in one lump sum for the year and we'll only charge you for 10 of the 12 months.
Insurance Premium Tax
No matter who you buy your mobile insurance from, all premiums will have added tax at the current rate.
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.
What you are covered for
Your premium will vary depending on the level of cover you choose. Optional cover such as theft and loss will increase the amount that you pay.
"The cost of mobile phone insurance depends on factors like your phone model, coverage level and excess fee. Premium phones or more comprehensive coverage can drive up the price, so it's all about finding the right balance between protection and budget." James, Customer Service Agent
What mobile phones can you insure?
You can get insurance for most major brands of mobile phones, including iPhone,Samsung,Google and Oppo. The key factor is the age of your mobile – with insurance2go you can insure your phone even if you've owned it for up to 3 years already. Once insured, your coverage can continue even after the device is more than 3 years old.
Whether you buy a monthly or annual policy you’re covered from the moment you buy.
Any make, any model
We insure any phone – bought new or refurbished – from a UK-registered company if it was supplied with a warranty (even if you've owned it up to 3 years already).
Unlimited claims
Accidents happen, so that's why there's no limit to how many claims you can make.
94% of claims accepted
You won't have to bend over backwards to prove your claim. In 2024, we approved 94% of mobile phone insurance claims*.
Here since 2007
We were one of the first businesses to provide specialist insurance for mobiles and gadgets. And, as part of the SPB Group, we have even more experience dating back to 1965.
Flexible insurance plans
Choose to pay for a year upfront, or pay on a rolling monthly basis.
When you buy a mobile phone, it's only natural to want to protect it with reliable insurance. Get a quote online today – it only takes a few minutes. You can even upgrade to our multi-gadget insurance to insure several gadgets in one go. We're rated 'Excellent' on Trustpilot, thanks to thousands of glowing customer reviews.
Once your policy is set up, you can find out how to manage your mobile phone insurance policy using the 'Your Policy' tab. In the meantime, visit our help & support section if you have any further questions, Alternatively, contact us online or call our customer support team on 0333 999 7905.
All mobile phone insurance policies have some exclusions - for full details please refer to our Terms and Conditions and the relevant Insurance Product Information Document.
Your mobile insurance policy should reflect your lifestyle and have the appropriate level of cover for your needs.
Have you bought your phone from a UK VAT registered seller?
You can only insure mobile phones that have been purchased from UK-registered companies. You can check if a company is registered before you purchase your phone here.
Your mobile phone was new when you bought it?
Refurbished phones are a great way to purchase premium devices without paying a premium price. You can insure refurbished mobile phones as long as they were purchased with a 12 month warranty.
The device is in good working order
We know that cracks and breakdowns can’t be helped sometimes – that’s why we protect phones against them! – but unfortunately if your phone is not in good working order before you purchase your policy, we cannot protect your device. For example, if you drop your phone and break the screen, you cannot start a new insurance policy and claim to fix your screen.
You are 18 years old, or over
Mobile phone insurance is a binding financial contract, so we can only make this agreement with someone who is 18 or over. If your child has a phone that you have bought for them, you may purchase a policy for the device, and their usage will be covered as long as they permanently live with you.
Lost Sim Card?
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.
Theft 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.
Intentional Damage
You cannot claim for repairs if you purposely damaged your own phone.
Worldwide Traveller
If you travel often to foreign countries, make sure your policy covers either the world, or the country you are traveling to is in line with current government guidance. 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.
We have a dedicated FAQs page, however we've also answered some commonly asked questions specific to phone insurance below.
Phone Insurance FAQs
New devices and handsets are the norm these days – with all major manufacturers releasing new models every year. Although yearly upgrades to their specifications are more modest, top-tier modern handsets often cost over £1,500.
Investing in the latest technology is becoming increasingly costly, so taking out phone insurance tends to be a key consideration.
Most new devices are bought on a contract – typically every 2/3 years as part of an upgrade or new deal with a network provider. If you lose your phone, have it stolen or drop it and crack the screen, you're still stuck paying a hefty monthly cost – without your shiny new device (or with one that's now dented and scratched).
While you'll need to pay a monthly premium – or annual lump sum – for mobile insurance, and cover an excess if something goes wrong, it's a small price compared to shelling out potentially over £1,500 for a replacement.
Before you buy a phone insurance policy, it's a good idea to check if your mobile is already covered by another policy or benefit.
Even 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.
Keep in mind that home insurance may not cover your phone outside of the house. Plus, the excess can be steep (sometimes as high as £500) and making a claim could affect your no-claims bonus, increasing future premiums.
While we offer peace of mind with phone protection, there are steps you can take too – like using a sturdy case to guard against everyday bumps and scrapes.
Additionally, you should keep it hidden and out of sight in your bag or pocket to deter pickpockets while out and about. You should never leave your phone unattended or in the possession of people you do not know or trust.
If you must leave your device in the car, ensure your phone is out of sight, such as in a locked centre console or the glovebox or boot. The vehicle should also be locked with your alarm and any security systems activated. All doors and windows need to be closed too.
We also recommend regularly backing up your device. If your phone is lost or stolen, your contacts, messages, emails and photos will be saved up to your most recent backup.
You can buy a mobile phone insurance policy, as long as your child permanently resides with you, you own the device and can provide proof of purchase if you need to make a claim.
When they reach the age of 18, you can switch the cover to their name at no extra cost.
To see a full list of our exclusions, take a look at our Terms & Conditions.
You can purchase a mobile phone insurance policy if the mobile was originally purchased in the UK – even if you've had it up to 3 years already. You must also meet our other criteria for buying a policy, these can be found in the terms and conditions of the policy you are looking at.
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.
There are a few ways you can make a claim with us.
You can use our claims portal to make a claim 24/7 or call our team on 0333 999 7905. We're available between 9 am to 5:30 pm Monday to Saturday. Otherwise, you can email us at claims@citymain.com or write to us.
