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Mobile phone insurance

Get cover for your mobile phone with ProtectYourGadget.com[1]

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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 or replacing your handset if it's lost, stolen or damaged.

Over 325,000 phones were stolen
in the UK last year[3]

Get cover for your phone now

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.

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

Water damage


If your device is accidentally damaged by liquid, phone insurance can pay for the cost of repairs or replacement.


Mechanical breakdown


If your phone develops a mechanical fault outside of the manufacturer's warranty period.


Multi-phone cover


Cover multiple phones in your household. Though some insurers may not include cover for children's devices.


Phone accessories


Replacement of any accessories damaged, lost or stolen at the same time as the device.

Overseas travel


Standard phone insurance may become invalid if you leave the country. If you're planning to go abroad, worldwide phone insurance will cover your gadgets for a limited number of days.


Instant cover


With some policies, you can't claim during the first two weeks of your policy. But with instant cover you can make a claim the same day the policy is bought.


Fraudulent activity


Repayment of costs incurred due to unauthorised calls or eWallet payments.

Do you need to insure your phone?

Even if your phone gets damaged or stolen, your phone supplier will still expect you to pay the remainder of your contract.

Phone insurance can help pay for the cost of a replacement device, so you're not left paying for a phone and having to pay for a new one at the same time.

You should consider phone insurance if:

  • Your phone is at risk of theft
  • You have a history of broken phones
  • You've taken out a new contract for an expensive phone
  • You'd need an instant replacement phone

How much is mobile phone insurance?

The cost of your premium 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[4]

DeviceAverage Monthly CostAverage Annual Cost
iPhone XR 64GB£8.14£86.09
Sony Xperia 5 128GB£8.19£86.53
iPhone 11 64GB£8.20£86.13
iPhone 7 32GB£6.85£68.25
iPhone 6s 32GB£6.80£66.71
iPhone 11 Pro Max 64GB£10.54£109
iPhone 11 Pro 64GB£10.11£101.32
Samsung Galaxy S10 128GB£8.47£88.12
Huawei P30 Pro 128GB£8.80£89.90
Google Pixel 4 128GB£8.59£89.68

What do you need to get a quote?

You'll need to have some basic information to hand including:

  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

    Choose to cover your phone for loss, accidental damage and/or theft

  4. Payment

    Whether you want to pay annually or monthly

  5. Excess

    The amount you want to pay towards a claim

Are mobile phones covered by home insurance?

Home contents insurance policies will cover your mobile phone for things like loss due to fire, flooding or home theft.

Arranging mobile phone cover through your home insurance can be a simple and cost-effective option. But there are some downsides to consider.

Cover won't be as extensive. Don't expect the bells and whistles you'd get with standalone cover. Things like cover abroad and fraudulent activity. And if you want cover away from home, you'll need to pay extra for it.

With home insurance, expect claims to be processed much slower too. Potentially leaving you without your phone for weeks.

Compare home insurance quotes

Frequently asked questions

  • What won't phone insurance cover?

    Before you purchase insurance, you should check what your policy does and doesn't cover.

    Some policies may not cover:

    • Theft - If there are no signs of forced entry or you’ve left your phone unattended. You've got to report your phone as stolen to the police within 24 hours too
    • Water damage
    • Phones over a year old
    • Older SIM cards
    • Deliberate damage, or damage that's only cosmetic
  • Is my phone covered by a warranty?

    Most mobile devices have a warranty of between 24 to 48 months, but it won't offer the same type of cover as insurance would.

    For instance, a warranty won't cover your device for things like accidental damage, smashed screens or water damage.

  • 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 help with the cost of replacing music, movies, eBooks and other valuable data that is stored on your phone. You can minimise the risk to your data by backing it up regularly.

Other types of insurance that cover phones

Before taking out insurance for your phone, check that you're not already covered under a different policy.

Contents insurance

Your home contents insurance policy will cover items like phones up to a limited amount. This amount is known as the single article limit. And it's usually around £1,000.

Compare contents insurance

Travel insurance

If you're looking to cover your phone while travelling abroad, you might find that your travel insurance already includes some form of gadget cover.

Travel insurance with gadget cover

Packaged bank account

Some current accounts come with added benefits like mobile phone cover. It might be part of your policy as standard, but if not you should be able to purchase it as an optional extra. Cover tends to be pretty basic though.

Compare current accounts

See also

References

[2] There are 14 active insurers on the panel at ProtectYourGadget.com. Last checked July 2020.

[3] Crime Survey for England and Wales (CSEW). Office of National Statistics. Retrieved September 2020.

[4] Average mobile phone insurance costs are based on quotes from ProtectYourGadget.com, conducted on the 27 April 2020. All quotes are based on combined theft, loss and accidental damage cover. Retrieved 2020-04-27.

Page last reviewed: 15 September 2020
Next review due: 15 November 2020

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