Mobile Phone Insurance from £1.99 /MONTH

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 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.