Compare mobile phone insurance

Choose from award-winning insurers to protect your phone against accidental damage, theft or loss.

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What is mobile phone insurance?

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 phone insurance can give you peace of mind. If something happens to your phone, it's protected by your mobile phone insurance. You can relax knowing it won't cost you hundreds of pounds to repair or replace it.

broken phone

What does phone insurance cover?

Most mobile insurance will cover three situations as standard:

Updated 9 June 2021
Loss of phoneIf you lose your phone, your cover could replace it with a similar model
Accidental damageThis means you don't pay to repair or replace a cracked phone screen, even if it's been dropped
TheftIf your phone is stolen, your cover should allow you to replace it quickly

You can also find plans which offer cover for:

  • Damage abroad
  • Malicious damage
  • Mechanical breakdown
  • Broken buttons
  • Water damage
  • Accessories
  • Damaged headphone sockets

It is important to remember that specialist mobile phone policies will likely come with cover that is not included in standard contents insurance policies. This cover could be for the cost of replacing downloaded music or games, as well as if your phone needs to be replaced.

It is also likely that you will get access to a faster claims service with a specialist mobile phone policy. Some policies will even send a replacement phone out in days.

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)

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