Mobile phone insurance

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What is mobile phone insurance?

Mobile phone insurance will reimburse you if your handset is 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 phone insurance cover?

A standard mobile phone insurance policy may include cover for loss, theft and accidental damage.

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

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.

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.

How much is mobile phone insurance?

The cost of phone insurance will depend on the brand and model of phone, the level of cover required, excess amount and whether the policy is paid in full or monthly.

Find the average cost of insurance for popular phone models below[2]

Device
Average Monthly Cost
Average Annual Cost
Samsung Galaxy S10 128GB
£9.99
£99.49
Samsung Galaxy S9 Plus
£10.22
£103.15
iPhone 11 64GB
£8.94
£94.23
iPhone X 64GB
£9.74
£97.78
iPhone 8 64GB
£7.92
£81.03
iPhone 7 32GB
£7.89
£77.81
Google Pixel 3
£8.55
£87.87
Huawei P30 Pro 128GB
£10.04
£100.63
Samsung Galaxy S9
£9.54
£93.73
Samsung Galaxy S8
£8.37
£83.03

Protect your phone in five simple steps

It’s a good idea to get mobile phone insurance, just in case your phone gets damaged or stolen, so you won’t have to worry about paying the replacement or repair costs. When you buy your phone you might be offered insurance to go with it. This is usually expensive though, so it’s better to compare policies to find the right cover for a good price.

To get your quote, we just need some information first:

  1. Your phone

    Device brand, make and model

  2. Your details

    Things like your name, your date of birth and your address

  3. Level of cover

    Whether you'd like to cover your phone for loss, accidental damage or theft

  4. Payment

    Whether you want to pay annually or monthly

  5. Excess

    The amount of voluntary excess you want to pay

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

Source: Office of National Statistics

How to cut the cost of your mobile phone insurance

Don't pay more than you should on your phone insurance. Try these tips for cheaper insurance:

  1. Be careful

    Take good care of your phone to avoid accidents, claims and raising your premium

  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 GalaxyFind cover for your phone today

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Frequently asked questions

  • Is my mobile covered under my home insurance?

    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.

    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.

  • 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 do I claim for theft, damage or loss?

    Call your insurer, the number will be on your policy document. Explain what's happened to your phone and provide your details. Fill out any paperwork they send your way and provide supporting documents when requested.

  • 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.

Read more

[1]Gocompare.com introduces customers to ProtectYourGadget.com, a trading name of Comparison Creator Limited, who is authorised and regulated by the Financial Conduct Authority (FCA) as an Authorised Representative of Moneyshake.com Limited. Gocompare.com's relationship with ComparisonCreator.com Limited is limited to that of business partnership, no common ownership or control rights exist between us. Please note, we cannot be held responsible for the content of external websites and by using the links stated to access these separate websites you will be subject to the terms of muse applying to those sites

[2]Average mobile phone insurance costs are based on quotes from ProtectYourGadget.com, conducted between 1 September to 30 September 2019. All quotes are based on combined theft, loss and accidental damage cover.

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