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Give us a few details about you and the mobile phone you would like to insure.
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3
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Once you have chosen a policy that meets all your needs, simply apply and insure.
Mobile phone insurance is a type of policy that can pay for your mobile phone to be replaced or repaired if it’s lost, stolen or damaged. If you have an expensive smartphone, it could save you hundreds of pounds.
Specialist mobile phone policies usually offer better protection than standard home contents insurance and come with a faster claims service – some will even send a replacement phone to you in a few days.
While every policy has its own selling points, the type of cover they offer is usually quite similar. Here's a quick overview of the typical protection they provide.
Most mobile phone insurance policies cover the following items:
loss or theft of your handset
accidental damage
lost downloads if your phone goes missing
damage when you’re travelling overseas
malicious damage
mechanical failure
broken buttons
water damage
phone accessories
damaged headphone sockets
Most mobile phone insurance policies exclude these items:
theft due to negligence - such as leaving your phone on view in a car
intentional damage
manufacturer’s defects
dents, scratches or other everyday wear and tear
lost SIM cards
older phones
Even the best phone insurance companies don’t cover everything. If you want a specific type of cover, you should check the policy document to see if it's included before you sign.
You may wish to take out mobile phone insurance if:
you are accident prone and often damage or lose your phone
you are on a long contract and would still have to make payments even if your phone was lost or damaged
you can't be without a phone and need a fast replacement service
finances are tight and you cannot afford the cost of replacing your current phone
With mobile phone insurance, you can potentially avoid paying hundreds of pounds to repair or replace your handset if something goes wrong with it or it's stolen or lost.
The cost of insuring a handset depends on the cover you choose and the phone model you're insuring. Insurance providers have a range of deals, so it pays to shop around.
You can compare mobile phone insurance in the table above to find out the type of cover you can get and which is likely to be the best fit for you. When reviewing your options, look for a policy that gives you the cover you need. The cheapest deal isn't always the best option. Instead, focus on getting the right protection at the best price.
Get a multi-gadget discount
Some insurers offer a discount for getting gadget insurance to cover several devices at once. Insuring all the phones in your family under one policy might be a good way to reduce the per-device cost of your cover.
Make an annual payment
Lots of companies charge less if you pay for your policy in full, instead of paying monthly instalments. This is because you are charged interest if you pay piecemeal for your policy.
Choose a higher excess
Agreeing to pay a higher excess if you need to claim may cut the cost of your insurance. But remember that the excess has to be paid for any claim you make, so you need to ensure you can afford it.
You could pay hundreds of pounds to replace your mobile phone if it gets lost or damaged. Here is what you need to know about how mobile phone insurance works.
Read MoreMobile phone insurance could give you peace of mind, but if you are unlikely to claim you could be wasting your money. Here is how to decide if you need mobile phone insurance.
Read MoreIf your mobile phone is lost or damaged, you could cover the cost of repairs or a replacement with your insurance. Here is what you need to know about making a claim.
Read MoreBy comparing mobile phone insurance you could save money on the policy. The best value mobile phone insurance will offer you the cover you need, at a price you can afford. Choose a cover plan from the best UK insurance companies and see the online discounts they offer.
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Last updated: 19 July 2022
