Mobile phone insurance

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Mobile phone insurance covers your phone in case it gets accidentally damaged, stolen or lost. It protects your phone even after your warranty expires.

Do I need mobile phone insurance?

Mobile phone insurance is a lifeline for when things go wrong – and given how important smartphones are, it’s always worth having protection in place. 

A mobile phone policy might be extra useful if:

  • You tend to be a little clumsy, or if you have a history of losing or breaking your phone
  • You have a very valuable smartphone that you can’t afford to replace
  • You’re in a long-term contract with your network provider
  • You’re reliant on your phone and would need a replacement immediately (not all policies offer this)

Loss

(included in 83% of quotes)*

Theft

(included in 85% of quotes)*

Accidental damage

(included in 97% of quotes)*

*According to data provided by Protect Your Gadget, accurate as of April 2020

As well as basic protection against loss, theft and accidental damage, you’ll also be able to add the following features to your policy:

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Liquid damage

If you accidentally get
your phone wet

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Overseas travel

For when you take your
phone on holiday

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Multiple phones

To insure more than one device
on a single policy

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Replacement battery

Which covers the cost of a new
battery if yours is faulty

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Phone accessories

For things like your case
and headphones

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Fraud

Which covers you for losses
incurred as a result of fraud

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Content and apps

To replace any paid apps or
content on your phone

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Mechanical breakdown

If your phone breaks as a result
of a mechanical fault

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Unauthorised usage

For money you lose when someone
uses your phone without permission

Device Average monthly cost† Average annual cost†  Savings made by paying annually†
iPhone 11 64GB £8.20 £86.13 £12.27
Samsung S10 128GB £8.47 £88.12 £13.52
Samsung Galaxy S20+ 128GB 5G £9.44 £100.96 £12.32
iPhone X 64GB £8.19 £84.41 £13.87

*According to data provided by Protect Your Gadget, accurate as of April 2020

Do I already have cover for my mobile phone?

You may already have cover in place for your mobile phone through your home contents insurance policy, or as an add-on with your current account.

What won’t mobile phone insurance cover?

Most mobile phone insurance providers will have clauses written into their policy documents which say that they won’t offer cover for things like:

  • A phone that’s been stolen from your car if it was in clear view and hadn’t been properly concealed
  • If the phone was stolen from a building or premise where there were no signs of forced entry
  • Any intentional damage to the phone that was caused by you and not a third party
  • Non-manufacturer-approved accessory repairs and damage that was caused by not following manufacturer instructions
  • Manufacturer’s defects or recall of the device
  • Cosmetic damage like scratches that doesn’t affect the device’s performance or safety
  • A lost sim card
  • Any damage claims where the damaged phone isn’t handed in for repair
  • You should always read the policy wording and policy summary documents carefully before taking out cover with a phone insurance provider so you know what won’t be covered.

 

Can I add other gadgets to my mobile phone insurance policy?

You can also get your phone insured as part of a bundle with gadget insurance. If you have a mobile phone plus a laptop and tablet, you might want to insure all of your gadgets under one umbrella policy and get a multi-gadget discount.

You’ll get a claims allowance that’s broken down per gadget, and policies should cover each device for accidental damage, mechanical breakdown and theft as standard.

Do I need mobile phone insurance if I have a warranty?

Warranties generally last between 12 and 24 months, and will cover the cost of phone repairs as long as the damage wasn’t your fault. But this might not apply to all types of repairs – for example, your warranty may only cover battery replacement for half the time.

How long do I have to wait before getting a replacement phone?

Some policies have instant cover, which means you’ll get your replacement within standard delivery times – three to five working days usually. However you might not be able to make a claim straight away, as some policies have a deferral period that won’t allow you to claim for a set time after taking out cover.

How do I claim on my mobile insurance?

If you need to make a claim on your phone insurance, you can either do it through the insurance provider’s website or over the phone. Your provider will be able to tell you what to do next, including any evidence required and how long it’ll need your phone for repairs.

Most providers say you need to let them know within 48 hours of discovering there’s a problem with your device. 

If your phone is lost or stolen, it’s better to let your insurance provider know within 24 hours of discovery. You’ll also need to tell your network provider so it can block any fraudulent phone activity.

What you need to know before you buy insurance

Mobile phone insurance can sometimes be a bit finicky to claim on. So before you buy insurance, there are a few wise moves to make sure you’ll be eligible:

  • Buy phones directly from certified retailers, your network provider or the manufacturer. Some insurers won’t insure second-hand phones, or those bought from less reputable websites
  • Make sure your phone isn’t already damaged when you buy insurance
  • Check how old the phone is; many insurers have maximum age limits on phones they will insure
  • Keep your proof of purchase in a safe place

What phone insurance won’t cover

Phone insurance covers a lot of things that can go wrong with your phone, but there are exemptions.

Most mobile phone insurance providers will have clauses written into their policy documents which say that they won’t offer cover for things like:

  • A phone that’s been stolen from your car if it hadn’t been properly concealed
  • A phone stolen from a building where there are no signs of forced entry
  • Any intentional damage to the phone that was caused by you and not someone else
  • Accessory repairs and damage caused by not following manufacturer instructions
  • Manufacturer’s defects or recall of the device
  • Cosmetic damage like scratches that doesn’t affect the device’s performance or safety
  • A lost SIM card
  • Any damage claims where the damaged phone isn’t handed in for repair

How does our site work?

Moneysupermarket have teamed up with protectyourgadget.com who offer an external gadget insurance comparison service. ProtectYourGadget.com is a trading name of Comparison Creator Limited, a company registered in England and Wales (Registration Number 07336373). Comparison Creator Limited is an Appointed Representative of Moneyshake.com Limited which is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 522581).