Mobile phones have become an important part of our lives and we rely on them for virtually everything these days. That's why if you lose or damage your phone, you can feel helpless without it. One way you can protect yourself is by taking out mobile phone insurance.

Research by Mintel showed that almost a quarter (24%) of smartphone owners in the UK have broken their screen at least once. That's why having mobile insurance can give you peace of mind. If something happens to your phone, it's protected by your phone insurance. You can relax knowing it won't cost you hundreds of pounds to repair or replace it.

How to find the best phone insurance

The best phone insurance for you will cover what you need, for a price you can afford.

If you're someone who drops your phone a lot, you'll perhaps need accidental damage phone insurance. Or, if you travel regularly, you might want your smartphone insurance to include overseas cover. That would protect you if you lost or damaged your phone while you were abroad.

Before you start looking for the best mobile phone insurance, think about what you need from your phone insurance cover. Then compare phone insurance providers using our comparison table above. This will help you find the best mobile insurance deal for the cover you want.

What to check to find the best mobile phone insurance policy

When you start researching phone insurance companies, you'll see that insurers all offer different policies. To do a fair phone insurance comparison, you should bear in mind the cover type, the value of your phone, and the excess charge.

Cover: Look for policies that offer the right phone insurance protection for you. You might just want accidental damage phone insurance cover. Or you might want loss and theft cover too.

Value: How much is your mobile phone worth? Make sure you pick a policy that gives enough cover to replace your phone if the worst happens.

Excess: This is how much you pay each time you make a claim. How much are you happy to pay per claim? The excess charge can range from 50 to 100. Or, or you can opt for a more expensive mobile phone insurance policy with no excess to pay if you claim.

Find more about what you should look for when you're looking for the best phone insurance by reading this guide to mobile phone insurance.

What does phone insurance cover?

Mobile insurance can cover you for several different situations:

  • Loss of phone: If you lose your phone, or it gets stolen, loss and theft cover could replace it with a similar model.

  • A cracked screen: Accidental damage phone insurance means you don't pay to repair or replace a cracked phone screen, even if it's been dropped.

  • Damage abroad: If you travel abroad a lot, overseas cover might be a good idea as it covers you if you lose or damage your phone when you're outside of the UK.

It's likely that cheap phone insurance will cover you for fewer of these situations.

What's not covered by mobile phone insurance?

Even the best phone insurance companies don't cover you for certain things. Your mobile insurance policy document will list the 'exclusions'. You aren't likely to be covered for:

  • Theft due to negligence (e.g. leaving your phone on view in the car)

  • Intentional damage

  • Manufacturer's defects

  • Dents and scratches (everyday wear and tear)

  • Lost SIM cards

  • Older phones (more than six months).

How to find cheap phone insurance

Mobile phones can cost a lot of money. These days, to buy the latest iPhone, you could be looking at around 1,000. But that doesn't mean your iPhone insurance should cost a lot, too. The same goes for whatever kind of smartphone insurance you need.

It's important to make sure you find an insurance policy that provides the cover you need, rather than just looking for the cheapest deal. You should always compare phone insurance deals. But there are other ways to reduce the cost of your phone insurance cover and find a cheap mobile phone insurance that meets your needs. How?

Get a multi-gadget discount: Some insurers offer a discount for getting gadget insurance to cover several gadgets at once. You could think about insuring all the phones in your family under one policy as a good way of getting cheap mobile insurance.

Make an annual payment: Lots of insurance companies charge less if you pay for your policy in full, instead of paying monthly instalments. If you can afford to do this, it's a helpful way to get cheap mobile phone insurance.

Choose a higher excess: Agreeing to pay a higher excess if you need to claim can be a way of getting cheap phone insurance. But remember that the excess will be taken off any claim you make. So you need to make sure you can afford it.

Compare mobile phone insurance using our phone insurance comparison table. This will help you find an insurance policy that gives you what you need.

What information will I need to give the insurer?

When you decide to take out smartphone insurance, you'll need to gather some information for the insurer.

They'll want to know how old your device is and what condition your phone's in. They'll also want proof of purchase from a manufacturer, network provider or mobile phone retailer.

You'll need to make sure you provide the right information because the insurer won't pay out if you don't.

Can I insure more than one device?

If you get gadget insurance, you'll be able to insure more than one device at the same time. This could include your mobile phone, tablet and laptop, or all the phones in your family, for example.

You'll probably get a discount if you choose gadget insurance for multiple devices.

These are the devices you can put on one gadget insurance policy:


If you've got several gadgets, or you want to insure your family's devices, think about getting a multi-device insurance policy.

Mobile phone insurance FAQs

Q

Can I cover my mobile phone on my home insurance policy?

A

Yes, but it may be more expensive if you need to claim. You can find out more about home insurance mobile cover here.

Q

Can I get cover for my children's mobile phones?

A

Yes, if they are over 16 they can buy their own insurance, or you can add their phones to a multi device policy. Compare multi phone insurance here.

Q

How do I claim on my mobile phone insurance?

A

You should contact your insurer as soon as possible if you need to make a claim. Here is how to make a claim on your mobile phone insurance.

Q

Can I cover a second hand mobile phone?

A

No, you can only insure mobiles that are less than two years old. Most insurers specify a maximum device age, so check the terms before you buy.

Q

Can I get a no claims bonus?

A

Yes, most insurers offer a discount at renewal if you do not claim on your insurance. Check with your insurer for full details of any discounts offered.

About our mobile phone insurance comparison

Q

Who do we include in this comparison?

A

We include mobile phone insurance policies from our panel of insurers, who are all regulated by the Financial Conduct Authority (FCA). Here is more information about how our website works.

Q

How do we make money from our comparison?

A

We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.

You do not pay any extra and it does not affect the deal you get.