Mobile Phone Insurance

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If you do not tick this box you will not be covered for accidental loss

Disclaimer: Please note that at this moment, we are unable to insure flying gadgets such as drones

Disclaimer: Please note that at this moment, we are unable to insure flying gadgets such as drones

Disclaimer: Please note that at this moment, we are unable to insure flying gadgets such as drones

What's Covered

  • Accidental Damage

  • Liquid Damage

  • Breakdown

  • Theft

  • Unauthorised Usage

  • Loss (optional)

  • Accessories

  • Worldwide Cover

  • Family Cover

  • E-wallet Cover

  • 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. Terms apply.

  • Liquid Damage

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

  • Breakdown

    Repair or replace your gadget if something goes wrong with it. (except laptops) Terms apply.

  • Theft

    If your gadget is stolen, we will replace it. Terms apply.

  • Unauthorised Usage

    We'll pay for unauthorised calls and data usage from your device, when it has been lost or stolen, up to £2,500. Terms apply.

  • Loss (optional)

    If you selected to pay an additional premium and lose your gadget, we will replace it (mobile phones, tablets and smartwatches only). Terms apply.

  • Accessories

    We'll replace any accessories (up to £150) if they are lost, stolen or damaged at the same time as your gadget. Terms apply.

  • Worldwide Cover

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

  • Family Cover

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

  • E-wallet Cover

    If 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. Terms apply.

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Additional Value

  • 1st Month FREE on policies paid monthly

  • Discount on policies paid annually

  • Unlimited Claims!

  • Truly Instant Cover!

  • Low Excess Fee!

  • 1st Month FREE on policies paid monthly

    1st Month FREE on policies paid monthly

  • Discount on policies paid annually

    Annually-paid policies are priced at the equivalent of eleven monthly payments, even at renewal!

  • Unlimited Claims!

    Unlimited repairs or replacements while you are covered. Terms apply.

  • Truly Instant Cover!

    Some of our competitors don't offer instant cover for your gadgets. Terms apply.

  • Low Excess Fee!

    In the event of a claim, an excess fee applies, which varies depending on the value of your gadget when new. Up to the value of £500 (when new) the excess fee is £50 for any claim. Between the values of £501 and £999 (when new) the excess fee is £75 for any claim. Over the value of £1000 (when new) the excess fee is £100. Terms apply.

Great Convenience

  • Free Collect-Return on Laptops

  • UK Based Customer Support

  • 14-Day Money Back Guarantee

  • Free Collect-Return on Laptops

    Collect and return of laptops - free of charge.

  • UK Based Customer Support

    Our team of specialists is based in the UK.

  • 14-Day Money Back Guarantee

    Risk free: Changed your mind? No worries, contact us within 14 days and get a refund. Terms apply.

Why Do I Need Phone Insurance?

Mobile phones have become an integral part of our lifestyles. 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.

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.

However, you can protect yourself against such risks by covering your phone with specialist mobile phone insurance.

Benefits can vary from insurer to insurer - that’s why it’s smart to shop around and look through various offers before settling on an insurance company.

Exclusions of Mobile Phone Insurance

Before signing a mobile phone insurance contract, make sure to read it 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 area in 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 gadget has not been used since the insurance has been taken out.

Am I Eligible For Mobile Phone Insurance?

You can only insure a phone if it’s less than 18 months old when the insurance is first purchased. Once you purchase the insurance, there’s no limit to how long the item can be insured. You’ll also need to ensure:

  • The phone must be in good condition and full working order prior to purchasing the policy
  • You’re able to provide evidence of ownership
  • The item was purchased as new, or refurbished (if purchased directly from a manufacturer or mobile network provider)

To insure a mobile phone, you need to be at least 18 years old and a permanent resident of the United Kingdom. Unfortunately, we cannot insure any items for a person less than 18 years of age. However, if you are below that age but still live with your parents, they can purchase an insurance policy for you - when you turn 18, they can then transfer the policy into your name.

What To Check Before Getting Mobile Phone Insurance

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 is the excess.

When searching for phone cover, consider gadget insurance. Many providers offer that type of insurance that 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.

When Does The Cover Begin?

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 signing the contract.

How Do I Make A Claim?

Making a claim is easy. All it takes is calling our dedicated Claim Advisors on 0203 794 9294. You can also send an email to this address: gadgetcoverclaims@directgroup.co.uk, or write to Claims Department Gadget Cover Waterside House Riverside Way Uxbridge UB8 2YF

In the event of a claim, you need to report the theft or loss of your mobile phone to the police within 48 hours after you discover it’s missing. You also need to report it to your service provider within 24 hours and get in touch with us within 48 hours after you notice that your device was stolen or lost. If you fail to comply with these rules, your claim may be delayed or rejected.

Once we receive the information from you, we’ll do our best to process your claim within 48 hours. When we receive all the required documentation, we make a decision within 48 working hours. If your claim is approved, you will need to pay the policy excess before proceeding with the claim.

To make this process as quick as possible, make sure that you can provide us with evidence of your ownership. It’s important that you supply us with all the information and pay the excess as quickly as possible. Any delay on your part can make the process take longer.

If your claim is for damage, you will need to send the damaged device to our nominated repair centre for inspection and repair. We aim to repair or replace items within 5 to 7 working days.

Can I Insure My Child’s Mobile Phone?

Yes, it’s possible to insure a mobile phone that belongs to a child under 18 years of age by taking advantage of the family cover. We provide family cover to offer insurance to mobile phone owners who are less than 18 years old and cannot sign the insurance contract on their own. Once your child reaches 18 years of age, you may transfer the insurance contract to their name.

What Else Can I Do To Keep My Phone Safe?

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. If the worst happens and you lose your phone without having backed up your data first, insurers can offer you a digital download cover for the replacement of music, films, ebooks, and other data.

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