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1
Enter your details
Give us a few details about you and the mobile phone you would like to insure.
2
Compare quotes
Find mobile phone insurance that’s right for you by exploring our best deals.
3
Apply and Insure
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.
loss or theft
accidental damage
lost downloads if your phone goes missing
damage when you’re abroad
malicious damage
mechanical breakdown
broken buttons
water damage
accessories
damaged headphone sockets
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 certain things – check your policy document for exclusions.
Insuring your mobile might be right for you 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, if something happens to your handset, it’s protected by your policy so you don’t need to pay hundreds of pounds to repair or replace it.
The cost of insuring a mobile phone varies depending on the model and the cover you require. Different providers offer a range of deals, so it pays to shop around.
Compare mobile phone insurance using our comparison table to find the best fit for you. When reviewing your options, make sure you find a policy that provides the cover you need, rather than just looking for the cheapest deal.
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: 24 June 2022
