Mobile Phone Insurance

Unlimited claims, 3 New Tiers of Cover & More!

Benefiting from 25 years of experience, Gadget Cover is formed by people who believe that quality products can be affordable.

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Why do I need phone insurance?

In today's digital age, mobile phones have become an integral part of our lives. We use them for communication, entertainment, and even as a means of conducting business transactions. Many of us would never leave home without a phone in our pocket. And most of the time, it’s not simple phones but sophisticated and expensive smartphones that we carry with us everywhere.

However, with the increasing reliance on mobile phones, the risk of damage or loss also increases. This is where mobile insurance comes into play. Mobile insurance provides protection against damage, loss, theft, and other unforeseen circumstances that could lead to financial loss.

Carrying a phone like that means that you’re vulnerable to dangers ranging from theft to loss and damage. High-quality smartphones are usually expensive and to pay for one, you may have agreed to sign a contract - which you’ll need to keep on paying even if you lose or damage your phone.

Should you get a mobile phone insurance policy on your phone?

Whether or not to get insurance on your mobile phone is a personal decision that depends on your individual circumstances. Here are a few things to consider when deciding whether to get insurance for your phone:

  • The cost of replacing your phone: If the cost of replacing your phone would be a significant financial burden, insurance may be a good idea. Ever had a phone stolen? You'll know how difficult it is to pay for a new device unexpectedly.
  • Your phone usage: If you frequently use your phone in high-risk situations (maybe you're prone to dropping it, or you work in a hazardous environment, like construction or site work ) insurance can provide peace of mind. A cracked screen or lost sim card could put your phone out of action for a while.
  • Your phone's age: If your phone is older, the cost of insurance may be more than the cost of replacing the damaged phone.

Ultimately, it's worth considering the cost of the phone, the likelihood of needing to replace the phone, and your own risk tolerance when deciding whether or not to get insurance for your mobile phone.

When does the cover begin?

With gadget cover your phone will be covered from the moment you finalise the purchase of insurance. You won't have to wait for the insurance policy to be processed and applied within a specific number of days from your purchase. Instead, you can enjoy coverage right from the moment of purchase.

What does mobile phone insurance cover?

As you can see, mobile phone insurance typically covers a wide range of issues. At Gadget Cover there are three levels of policy to choose from, ranging from Bronze which covers accidental and liquid damage to Gold, which provides comprehensive cover for your mobile phone and accessories.

It is important to note that each insurance policy is different and the coverage may vary, so you should always read the policy carefully and ask your insurer any questions you may have.

It is also important to keep in mind that most insurance policies have terms and conditions, deductibles and exclusions, so it's important to understand these before purchasing.

What does mobile phone insurance not cover?

Before purchasing a mobile phone insurance contract, make sure to read the Terms & Conditions carefully. That's how you'll be able to tell which clauses and exclusions apply to the type of insurance you've chosen.

A critical part of your mobile phone insurance is the type of theft it covers. For instance, theft without force or unattended theft may not be covered. If someone steals your phone from your pocket or takes it from a table in a cafe when you're distracted, you'll be left uninsured.

Moreover, some insurers may refuse to pay out in specific cases - for example, if you forget your phone and leave it by accident on a train or taxi. If you're deemed to have been careless by the provider, you might not be covered by the insurance. Any sort of water damage might fall under this exclusion too.

Pay attention to the terms stated in your contract. Some insurers require you to report the phone as lost to the police and the insurer within a specific time limit such as 24 hours or less.

The exclusions to this mobile phone insurance include:

  • Leaving the phone unattended.
  • Theft from a vehicle or premises where there is no visible sign of forced entry.
  • Lack of proof of purchase or receipt.
  • Any claim where the phone has not been used since the insurance has been taken out.

Popular mobile phone insurance we cover:

What's covered

  • Accidental Damage
  • Liquid Damage
  • Theft
  • Mechanical Breakdown (Excludes Laptops)
  • E-wallet Protection
  • Unauthorised Calls/Data
  • Accidental Loss
  • Accessories Cover
  • Accidental Damage
  • Liquid Damage
  • Theft
  • Mechanical Breakdown (Excludes Laptops)
  • E-wallet Protection
  • Unauthorised Calls/Data
  • Accidental Loss
  • Accessories Cover
  • Accidental Damage
  • Liquid Damage
  • Theft
  • Mechanical Breakdown (Excludes Laptops)
  • E-wallet Protection
  • Unauthorised Calls/Data
  • Accidental Loss
  • Accessories Cover
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Accidental damage

We will repair your gadget if it is damaged as the result of an accident. Unlike some insurers, we even cover minor screen cracks. If the item cannot be repaired we will replace it.

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Liquid damage

If your gadget has been damaged due to splashes or full immersion we’ll repair it or replace it.

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If you selected Silver or Gold cover, we will repair or replace your gadget if something goes wrong with it (excludes laptops).

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Unauthorised usage

If you selected Silver or Gold cover, we will pay for unauthorised calls and data usage from your device, when it has been lost or stolen, up to £2,500.

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If you selected Gold cover and lose your gadget, we will replace it.

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If you selected Silver or Gold cover and your gadget is stolen, we will replace it.

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If you selected Gold cover, we will replace any accessories (up to £150) if they are lost, stolen or damaged at the same time as your gadget.

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Worldwide cover

Cover is extended to include use of your gadget anywhere in the world, up to 180 days in any 1 year.

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Family cover

Your gadget cover is extended to your immediate family. If your partner loses or damages your phone you’re also covered!

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E-wallet cover

If you selected Silver or Gold cover and your gadget is accidentally lost or stolen, we will refund the cost of unauthorised transactions made using your E-Wallet facility up to a maximum of £500.

There are three main ways to arrange mobile phone insurance cover. And we’ll take you through each of these.

The first is arranging a standalone insurance policy through a company like Gadget Cover. This will not only provide specialist cover tailored to you, but according to Citizens Advice this is often the cheapest way to cover your mobile phone.

The second is to simply add mobile phone cover as an add-on extra to your home insurance policy.

However, it’s very important to check the excess on your home insurance policy and it might mean higher premiums.

The third is insurance through your mobile phone network provider when you buy a phone. However, while this is convenient these insurance policies don’t normally offer the best value.

The best option for you will depend on your specific needs and budget. It’s always recommended to compare the coverage and cost of different options before making a decision.

Make sure that the policy you choose has all the cover you need. Check if it provides instant cover, whether there’s a limit on the number of claims per year, and how much the excess is.

When searching for phone cover, consider gadget insurance. Many providers offer that type of insurance and they may cover mobile phones - just make sure to specify your smartphone when describing the gadget in question. You can insure more than one device with the same policy - for example, your laptop, camera, and tablet.

Some types of home insurance include mobile phone coverage as well. While these can be simple and cost-effective, they come with downsides such as lengthy claim processing that could leave you without a mobile phone for a more extended period of time.

To make a claim, you need to do the following:

If your claim is for damage, we will ask you to send the gadget to our nominated repair centre where we can inspect and repair it. We aim to repair or replace items within 5 to 7 working days.

If your claim if for the theft or loss of your gadget you must report the theft or loss to the police and your service provider no later than 48 hours after you notice that your gadget is missing.

Next, you need to contact us. Make sure to do that as quickly as possible - within 48 hours from discovering loss or theft of your gadget.

You can call our dedicated Claim Advisors on 0203 794 9294. You can also send us an email to If you take longer than 48 hours to contact us, you risk your claim being delayed or rejected.

We aim to process claims within 48 hours, once we receive all the required documentation - which includes proof of ownership. If we approve the claim, you will need to pay the policy excess to let us proceed with the claim. Make sure that you provide us with all the required documentation and pay the excess as quickly as possible - any delay may make the process longer.

For many smartphone users, the most valuable content on their phone, that no insurance company is able to replace, is their contacts, photos, files, and other pieces of personal information.

There are many things you can do right now to make sure that data stored on your phone is protected against loss. Consider the available cloud storage options for creating backups of your data. Storing them in the cloud offers a significant advantage - they will be available to you from any device connected to the internet.

Once you settle on an adequate storage solution, schedule regular backups of your data to make sure that all your files and information are located in your storage.

All in all, the best advice to keep your phone is safe, is to look after and it to protect it against the hassle and cost that comes with loss, theft, or damage.

There are many companies offering mobile phone insurance in the UK today, and the best option for you will depend on your specific needs and budget.

It's important to compare the coverage and cost of different options before making a decision. For example, if you have multiple phones and other gadgets will the policy offer cover.

It is also important to read the policy features, terms and conditions and reviews from other customers before making a choice.

Here at Gadget Cover, our phone insurance excess starts from £50. Although it is important to note that this excess fee will differ depending on your phone and mobile insurance policy. For example, you may pay a higher excess if you opt for a Silver level of cover, over a Bronze level of cover.

Yes, it does. Your phone must not be more than 18 months old, when the phones insurance policy commences.

In the case that your claim is denied, it is important to review your mobile insurance policy documents thoroughly. Check for any inaccuracies in your information and search for any phrasing that can demonstrate your eligibility for coverage.

It might be necessary to contact the complaints department at Gadget Cover and provide evidence to support your claim. If you are not satisfied with the outcome of the formal complaints process, you have the option to escalate your claim to the Financial Ombudsman, which is a free and independent service that will conduct an investigation.