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Compare mobile phone insurance

Cover your handset against any eventuality by finding the best mobile phone cover for you.

  • See charges and fees at a glance
  • Compare quotes from industry-leading insurers
  • Protect your phone against theft, accidental damage or loss

Compare mobile phone insurance from top providers

You'll only find results from genuine companies. Our data experts check each company before we add them to our comparisons.

loveit coverit
Switched On Insurance
Protect Your Bubble
Multi Gadget Insure

How to get a mobile phone insurance quote


Enter your details

Give us a few details about you and the mobile phone you would like to insure.


Compare quotes

Find mobile phone insurance that’s right for you by exploring our best deals.


Apply and Insure

Once you have chosen a policy that meets all your needs, simply apply and insure.

Mobile phone insurance deals

11 results found, sorted by affiliated products. How we order our comparisons. Commission earned affects the table's sort order.

What is mobile phone insurance?

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. 

What does mobile phone insurance cover?

While every policy has its own selling points, the type of cover they offer is usually quite similar. Here's a quick overview of the typical protection they provide.


Most mobile phone insurance policies cover the following items:

  • loss or theft of your handset

  • accidental damage

  • lost downloads if your phone goes missing

  • damage when you’re travelling overseas

  • malicious damage

  • mechanical failure

  • broken buttons

  • water damage

  • phone accessories

  • damaged headphone sockets

Not covered

Most mobile phone insurance policies exclude these items:

  • 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 everything. If you want a specific type of cover, you should check the policy document to see if it's included before you sign.

Woman holding mobile phone

Why you might want to insure your mobile phone

You may wish to take out mobile phone insurance 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, you can potentially avoid paying hundreds of pounds to repair or replace your handset if something goes wrong with it or it's stolen or lost.

How much does mobile phone insurance cost?

The cost of insuring a handset depends on the cover you choose and the phone model you're insuring. Insurance providers have a range of deals, so it pays to shop around.

You can compare mobile phone insurance in the table above to find out the type of cover you can get and which is likely to be the best fit for you. When reviewing your options, look for a policy that gives you the cover you need. The cheapest deal isn't always the best option. Instead, focus on getting the right protection at the best price.  

How can I get cheap mobile phone insurance?

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.

Mobile phone insurance FAQs

About our mobile phone insurance comparison

Explore mobiles phone insurance guides

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How does mobile phone insurance work?

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.

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Do you need mobile phone insurance?

Mobile 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.

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How to claim on your mobile phone insurance

If 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.

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Why compare mobile phone insurance with money.co.uk?

By 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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We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.

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Last updated: 19 July 2022