Insure your whole family with multi-mobile phone cover and you could be rewarded with a discount on your premiums.
Last updated: 2 May 2022
Multi-phone insurance allows you to insure several devices under a single policy. This helps simplify the process of managing your cover and could save you money compared to paying individual premiums for each phone in your household.
Comparing multi-mobile phone insurance policies makes sense if:
you own more than one mobile phone
you have several smartphones, tablets and gadgets to insure
your family all owns smartphones
your children have phones but are too young to take out their own insurance
Combining all of your family's smartphone insurance into one policy is convenient, but it’s important to compare multi-phone cover to ensure that you don’t pay over the odds.
The cover you choose depends on what you want from a multi-phone insurance policy. Think about the following questions:
How many phones do you have? Most insurers cover an unlimited number of mobiles, but others limit how many you can add – for example, no more than 10
Do you have any other gadgets? Look to see if you can add devices like tablets and laptops to the same policy, which can simplify things further
What are the cover options? Policies can cover things like accidental and liquid damage, or offer automatic cover for loss or theft. Not every policy includes all kinds of cover, and you may have to pay extra to get it
What’s the excess? A higher excess can reduce premiums, but it means paying more to your insurer before it will pay your claim. Insurers may demand a higher excess for certain phones – for example, iPhone claims may be more expensive
Multi-phone insurance can be cost-effective if you have loads of gadgets. Many insurers offer discounts for covering several devices under one policy.
This discount usually increases as you add more devices. For example, you could get a discount of 10% for insuring two phones on the same policy, which would then increase to 20% if you insured four, and so on.
A maximum cover limit applies to each mobile you have on your policy. For example, if the limit is £1,000, you can claim up to this amount for each insured device.
It could work out cheaper to insure your smartphones with separate policies. Check our mobile phone insurance comparison to make sure you get the best deal.
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