Mobile phone insurance

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What is mobile phone insurance?

Mobile phone insurance will reimburse you if your handset's lost, stolen or damaged.

Exact cover will vary from policy to policy, so make sure you know what you’re buying and that your insurance has the cover features you need.

What does mobile phone insurance cover me for?

You’ll be covered for loss, accidental damage and theft.

You might also have protection for:

  • Overseas travel 
  • Phone accessories
  • Music or apps

Some insurers will give you an ‘instant’ replacement phone or repair yours if it’s out of action.

If your battery stops working, you could be given a replacement battery instead.

Your mobile phone insurance could include accidental damage cover.

This means if you have a cracked screen, your insurer will pay for repairs or replacement.

If your phone is linked to your debit card and it’s stolen, you might also be able to claim for any fraudulent activity on your bank account relating to the theft of your phone.

365,000 people had their phone stolen between April 2017 and March 2018, so make sure yours is covered

Source: Office of National Statistics

Protect your phone in five simple steps

We just need some information to get your quote:

  1. Device brand, make and model

  2. Your details

  3. The level of cover you need

  4. Whether you want to pay annually or monthly

  5. The amount of excess you want to pay

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What doesn’t mobile phone insurance cover?

You might not be covered for theft if there are no signs of forced entry or if you’ve left your phone unattended.

That means if your phone’s stolen from your pocket or you leave it in the back of a taxi, you won’t be insured.

There could also be exclusions for water damage and restrictions on how old your phone can be.

Older SIM cards might not be covered either.

If the damage caused to your device is deliberate or only cosmetic, you might find yourself having to shell out money to fix it yourself.

How to cut the cost of your mobile phone insurance

Try these tips for cheaper insurance:

  1. Be careful

    Take good care of your phone to avoid accidents

  2. Watch the excess

    Your premiums might be cheaper if you can pay a higher amount of excess but make sure you’d be able to afford it if you need to make a claim

  3. Only pay for what you need

    If you don’t want loss cover, for example, don’t include it

  4. Don’t pay twice

    Check whether your mobile phone is already covered under a different policy, like your home insurance or a packaged bank account

  5. Compare mobile phone insurance policies 

    Shop around to find a great policy that suits you

Whether you have an iPhone or Samsung Galaxy, find cover for your phone today

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Is my mobile covered under my home insurance?

It depends on your policy.

Your mobile phone could be covered as standard or you might be able to add it as an extra.

If you include it on your home insurance policy, it could take a long time for claims to be processed, potentially leaving you without your phone for weeks.

There might also be some specialist exclusions, like cover for unauthorised calls.

If you have to make a claim for a stolen or damaged mobile phone, on your home insurance, your premiums will increase the following year.

Frequently asked questions

  • Is my mobile phone already insured?

    Before taking out mobile phone insurance, check that you aren’t already covered through your travel insurance, a packaged bank account, a premium credit card or your home insurance.

  • What is digital download cover?

    Digital download cover will cover the replacement of music, movies, eBooks and other valuable data that is stored on your phone.

    You can minimise the risks to your data by backing it up regularly.

News and articles on mobile phone insurance

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