Mobile Phone Insurance in the UK – Protect Your Device & Stay Connected
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What is mobile phone insurance?
It’s exactly what it says on the tin! Mobile phone insurance is an insurance policy designed to protect your mobile phone against theft, loss, or damage. If your phone is damaged during your policy term, you can send it off for repairs at a much cheaper rate than repairs usually cost. On the other hand, if your mobile phone is lost or stolen, your insurance will replace it.
Unlike policies like a home contents policy, a mobile phone insurance policy has been specifically designed to suit the needs and requirements of modern-day phones, which can be lost or damaged very easily.
If you’re someone who relies on their phone a lot – like a working professional, a student, a frequent traveller, or even just someone with family across the country – then you should really make sure that something so important is protected against all the common pitfalls that come with having a phone.
Why do you need mobile phone insurance in the UK?
There are a lot of reasons to get mobile phone insurance! The most obvious of these reasons is how expensive it can be to repair or replace the smartphones so common these days; that’s your iPhones, your Samsungs, your Google Pixels, etc. While repairing or replacing one of these premium phones would otherwise cost you an arm and a leg, with a mobile phone insurance policy, we take on the biggest costs, so you can keep things working as they should at a cheap rate.
Phone theft is on the rise in the UK, but that’s not the only thing you have to worry about when it comes to your devices. Cracked screens, liquid damage, loss… there are hundreds of things that could make your phone unusable, all of them requiring huge out-of-pocket costs to fix. But a mobile phone insurance policy can put all those worries to rest by providing you with the financial peace of mind that comes from knowing your gadget is in the Best hands.
How much does mobile phone insurance cost in the UK?
- Mobile phone insurance premiums can range from just a few pounds a month to £30 or £40, depending on factors like device value, risk of theft or damage, claim history, and additional coverage such as worldwide cover.
- Premiums are usually higher if you own a very expensive device, have a higher chance of theft or breakage, or a history of frequent mobile phone insurance claims.
- Bundled mobile phone coverage lets you insure multiple devices at a discounted price, making it a cost-effective option for families or anyone with several devices.
Benefits of Our Insurance
Instant Cover
- Get fast repair or replacement services included in your mobile phone insurance package.
- Minimise disruption to your day-to-day activities by avoiding long downtime without your phone.
Comprehensive Coverage
- Protects against accidental damage and everyday risks that could leave you without a working phone.
- Includes worldwide cover, ensuring you stay connected no matter where in the world you are.
Peace of Mind
- Provides confidence that your expensive devices are always in safe hands.
- Reduces stress so you can focus on living your life without worrying about potential phone issues.
Why Home Contents Insurance Isn’t Enough for Mobile Phone Insurance
Why a Mobile Phone Insurance Policy Is the Best Choice
Key Features
Claim periods & policy terms
Monthly tax-free payouts
If you need to claim on your income protection insurance policy, you’ll receive up to £2,500 a month (or 65% of your income), completely tax-free.
Excess periods
This is the waiting time between claiming and getting paid. Most people choose a 30-day excess period, but the choice is yours.
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What Mobile Phone Insurance Covers and Doesn’t Cover
Mobile phone insurance generally protects you against theft, loss, accidental damage (such as cracked screens or water damage), mechanical breakdowns outside of warranty, and even accessories like phone cases or headphones. Depending on the policy, you may also have the option to add extras like worldwide cover for holidays abroad or multi-device cover for families, ensuring complete peace of mind.
However, there are certain exclusions you should be aware of. Mobile phone insurance does not cover pre-existing damage (like a cracked screen before taking out the policy), cosmetic issues such as minor scratches that don’t affect functionality, unattended theft (e.g., if your phone is left in a car), or non-authorised repairs carried out without the insurer’s approval.
Things to Consider Before Buying Mobile Phone Insurance
Several factors can affect how much your income protection insurance costs, including:
- Policy excess & claim limits: You should know how much you’d have to pay in the event of a claim (your ‘excess’) long before it comes to that point. You should also know what limits might be placed on how often or how much you can claim. Both of these things can be found in your policy wording, which you should always read before purchase.
- Policy exclusions: Always check what’s excluded from your coverage before you buy, whether that’s unauthorised repairs or deliberate damage. A full list of policy exclusions can be found in your mobile phone insurance policy wording.
- Proof of ownership: You’ll need to provide proof that you own the insured device before you can make a successful claim, so make sure that you have that before purchasing a policy. You should also ensure that you keep it in a safe place, just in case you need to use it.
- Single device vs. multi-device cover: If you have many devices, it’s worth looking into multi-device cover for a cheaper rate than multiple single device policies. Check if your insurer provides multi-device coverage and make sure you add all your devices before you purchase your policy.
Comparisons
| Mobile Phone Insurance | Home Contents Insurance | |
| Coverage Scope | Covers mobile phones & other gadgets against a range of perils | Covers your phone as one of your personal belongings within your home |
| Accidental Damage | Yes | Limited; might need to pay extra |
| Loss & Theft | Covered both inside and outside the home, with the option for worldwide cover | Only covered if the device is inside the home and there’s evidence of forcible entry |
| Single Item Limit | Policies are structured to cover high-end, expensive phones, so you don’t have to worry | Policies may have a single item limit that isn’t high enough to cover an expensive phone |
| Mechanical Breakdown | Yes | No |
Eligibility Criteria for Income Protection Insurance
The device must be owned by you and in good working condition at the time of policy purchase.
Proof of ownership (like a receipt or invoice) must be provided when making a claim.
The phone should not have any pre-existing damage before coverage begins.
The device must be used within the UK (with optional worldwide cover if included in your policy).
Policyholder must be a UK resident and at least 18 years old to take out the policy.
Frequently Asked Questions
Your income protection insurance policy covers your income if you’re too sick or injured to work or if you’ve been made involuntarily unemployed. You agree on an amount you’d like to be paid if this happens — called a ‘benefit’ or ‘benefit amount’ — and if you find yourself unable to work, you make a claim. Your benefit will cover whatever you need it to cover, whether that’s your mortgage payments, your rent, your bills, or even your groceries.
If you successfully make a claim on your income protection insurance policy, you’ll be paid out the benefit amount you selected when you first purchased cover. This will usually be up to either 65% of your income or £2,500.
Yes, income protection insurance is worth the investment, even if you are in the UK. With an income protection insurance policy in your back pocket, you won’t have to rely on your savings, state benefits like Universal Credit (which often aren’t enough to live off of for long), or handouts from loved ones to keep your head above water in the event that you couldn’t work. Think of it like paying into your rainy-day fund; one day, you’ll need it.
Is mobile phone insurance worth it in the UK?
Yes, mobile phone insurance is incredibly worth it if you’re in the UK. With mobile phone theft on the rise across the country, there’s never been a better time to make sure your device is protected. Getting an uninsured mobile device repaired or replaced can be a very expensive business in the UK, but with mobile phone insurance, these expenses are massively reduced, because your policy handles them. If you have a phone and you live in the UK, mobile phone insurance is invaluable.
Can I insure more than one phone on the same mobile phone insurance policy?
Yes, you can insure multiple phones on the same policy. In fact, insuring multiple phones under the same policy is a good way to get coverage at a cheap rate; individual policies cost much more than one joint one.
Does mobile phone insurance cover overseas use of my phone?
This depends on the product and the insurer, but yes, most mobile phone insurance policies will cover use of your phone overseas. Some policies (including our own) include this as standard, while others include it as an add-on.
Do I still need mobile phone insurance if my phone is under warranty?
Yes, you still need mobile phone insurance even if your phone is under warranty. This is because most warranty arrangements will only cover electrical or mechanical faults; they won’t offer coverage for loss, theft, accidental damage, or the myriad of other perils covered by a mobile phone insurance policy.
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