Get cover for your mobile phone with ProtectYourGadget.com
High quality smartphones can be expensive and you may have locked yourself into a long-term contract to pay for one - a contract you'll have to keep paying, even if you no longer have the phone.
Mobile phone insurance will reimburse you for the cost of repairing your handset if it'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.
Arranging mobile phone cover through your home insurance can be a simple and cost-effective option, but remember there are some downsides to consider.
For instance, a claim is likely to take some time to process, potentially leaving you mobile-less for some weeks. You may also not be covered for specialist things like unauthorised calls and data downloads.
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. Some insurers will give you an ‘instant’ replacement phone or repair yours if it’s out of action.
You might also have protection for:
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
|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|
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.
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, you'll need the following information:
Device brand, make and model
Things like your name, your date of birth and your address
Whether you'd like to cover your phone for loss, accidental damage or theft
Whether you want to pay annually or monthly
The amount of voluntary excess you want to pay
Don't pay more than you should on your phone insurance. Try these tips for cheaper insurance:
Take good care of your phone to avoid accidents, claims and raising your premium
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
If you don’t want loss cover, for example, don’t include it
Check whether your mobile phone is already covered under a different policy, like your home insurance or a packaged bank account
Shop around to find a great policy that suits you
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 claim on your home insurance for a stolen or damaged mobile phone, your policy premiums will increase the following year.
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 the money to fix it yourself.
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.
Digital download cover will help with the cost of replacing 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.
Page last reviewed: 22 January 2020
Next review due: 22 April 2020
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