If your mobile phone is damaged, lost or stolen, the right insurance policy could help you cover the cost of repairing or replacing your handset.

You can use this comparison to find the right policy to protect your mobile, but start by thinking about what you need from your mobile phone insurance.

What to look for in a policy

Find a policy that is right for you by using our comparison to check:

  • Cover options: You may only need accidental damage cover, or perhaps you want loss and theft cover too. Look for policies that offer the right protection for you.

  • Amount of cover: Think about how much your mobile phone is worth, and choose a policy that offers enough cover to replace it.

  • Excess: This is how much you pay towards each claim, so think about how much you are prepared to contribute towards repairing or replacing your phone.

You can find more about what you should look for in this guide to mobile phone insurance.

Watch out for exclusions

All mobile phone insurance policies come with some exclusions, but they vary depending on which insurance company you choose.

For example, all policies exclude phones more than two years old and cosmetic damage like scratches or dents.

However, some policies also exclude the cost of unauthorised calls if your phone is lost, and others do not cover loss and theft altogether.

Find the best price

While you should always choose the right cover over the cheapest policy, there are still ways to pay less for your mobile phone insurance:

  1. 1.

    Look for multi-gadget discount: Some insurers offer a discount for taking out multi-gadget insurance, so consider insuring your family's phones under one policy.

  2. 2.

    Pay your premium annually: Lots of insurance companies charge less if you pay for your policy in full, rather than paying monthly.

  3. 3.

    Choose a higher excess: A higher excess could save you money on your premium, although it will be deducted from any claims you make so be sure you can afford to pay it.

Use this comparison to look for mobile phone insurance deals and find the cover you need at the best price.

Mobile phone insurance FAQs


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


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


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


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.


How do I claim on my mobile phone insurance?


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.


Can I cover a second hand mobile phone?


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.


Can I get a no claims bonus?


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


Who do we include in this comparison?


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.


How do we make money from our comparison?


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.