Samsung Phone Insurance
Unlimited claims, Optional Loss Cover & More!
Benefiting from 25 years of experience, Gadget Cover is formed by people who believe that quality products can be affordable.
As one of the biggest and best tech manufacturers in the world, Samsung offers mobile phones in all sorts of shapes, sizes and prices. Whether flagship, foldable, or mid-range, Samsung phones often lead the way in terms of innovation, specs and features.
Samsung phones really do offer a lot, but with the price of the latest Galaxy Z Fold 4 starting at £1,649 you’ll want specialist Samsung insurance to cover your device.
Read this Gadget Cover guide to find out everything you need to know when it comes to finding the perfect Samsung insurance for you and your Samsung device.
What does mobile phone insurance cover?
From the manufacturers and network providers themselves to independent insurance companies, when it comes to Samsung insurance cover there’s a bewildering array of options on the market. But if you choose protection through Gadget Cover, you can rest assured it will be a quick and easy process.
We provide three great plans to choose from: Gold, Silver or Bronze. All of which will provide great value, all-round protection for your precious phone.
Our first level of cover is called Bronze and offers protection against accidental damage and liquid damage. These are two of the most common risks you’ll encounter when out and about with your flashy, new Samsung.
Next up is our Silver policy, which also offers covers against theft, mechanical breakdown and unauthorised calls and data usage. It also gives you e-wallet protection, too. These are all great little extras you’ll be pleased you’re covered for if the worst should happen.
Finally, our Gold cover provides ultimate protection for your phone which includes protection against accidental loss as well as accessories cover. While it will cost slightly more, arranging the best level of protection for your device is well worth it.
10 reasons to protect your device with Samsung phone insurance
Wondering whether or not to invest in Samsung insurance? Well, here are 10 reasons why we think it could be the best decision you make this year. Let’s count the ways that Samsung insurance can help…
1. Protects against accidents
Samsung devices are well known for their high standards, but no matter how durable they are that doesn’t make them immune from an accident.
Insure with Gadget Cover and we’ll even take care of minor screen cracks. And if the item can't be fixed, we'll replace it.
2. Protects against liquid damage
Accidentally dropping your phone in the toilet or spilling your coffee all over it are just some of the most common accidents insurers come across. While many Samsung devices are water and dust proof, this is still an essential part of any cover as it won't be covered by the manufacturer warranty.
3. Guards against thieves
A flagship Samsung like the Samsung Galaxy S21 can be very expensive indeed. And with their flashy good looks and cutting-edge tech specs, they’re a popular target for criminals. However, with theft cover, if your device is stolen, we'll get you back online in no time.
4. Covers you for mechanical breakdown
Once your Samsung phone is out of warranty, if it suffers a mechanical breakdown, it'll be down to you to fix it. But expensive repair costs could throw a real spanner in the works if you don’t have the right insurance cover.
5. Provides e-wallet cover for modern shoppers
You might have the latest Galaxy S21 phone but are you aware of the latest hacks and scams, too? If you do fall foul of cybercriminals then having digital e-wallet cover in your Samsung insurance policy could refund any unauthorised transactions.
Gadget Cover’s Gold and Silver cover both provide this feature up to a maximum of £500. As you can see, just a little increase in premiums can provide a whole lot more cover.
6. Stops you losing out to unauthorised calls and data charges
When your phone is stolen, you’ll no doubt be worried about a whole range of things. From malicious damage to how soon you’ll get a replacement device, the list can feel endless.
Unfortunately, on top of all this a criminal could leave you with a bill for thousands of pounds worth of unauthorised calls and data usage.
Check your policy details and see if you’re covered for this – if you’re not then it could be time for a change.
7. Safeguards your phone against accidental loss
According to Statista (2022), Brits have lost almost 100 smartphones since 2007, with the 25-34 age group accounting for the most. If you worry you might accidentally misplace your super Samsung Galaxy S21, then you’ll be glad you added loss cover as a policy extra.
8. Ensures your accessories are also kept safe
From the latest Galaxy Buds2 Pro and S-pens to wireless chargers, there are so many accessories you’ll want to keep close to your phone. The problem is that if something happens to your device, then the same might also happen to your accessories.
If you choose Gold cover with us, you’ll also receive protection for the repair or replacement of those super-useful accessories. If they’re lost, damaged or stolen at the same time as your device, they’ll be covered up to a value of £150.
9. Covers you for wherever your journey takes you
Whether exploring out-of-the-way travel locations or doing business in far flung places, you’ll want worldwide cover to keep your phone protected. Policies arranged through Gadget Cover can be extended to include use of your mobile phone anywhere in the world, up to 180 days in any one year.
10. Provides protection for all every family member
If an accident should happen when one of your close family members is using your Samsung phone then an insurance policy with family cover could save the day.
How much does Samsung phone insurance cost?
Here at Gadget Cover, we can provide an insurance policy for a wide range of Samsung products. Depending on the model and level of cover you choose, Samsung insurance cost can be less than £5 per month with many of our policies.
For example, the very cheap and cheerful Samsung Galaxy A02s can be insured for as little as £1.35 per month with our Bronze level of cover! While even a top-of-the-range Samsung Galaxy S22+ 256GB could cost from as little as £4.73 a month.
You’ll need to be aware that the price of premiums will go up when you take into account any additional extras such as cover to protect against loss and the amount of excess you’re happy to pay if you do make a claim.
That said, if you choose to arrange insurance through your network provider then you probably won’t be getting the best value policy on offer.
What is mobile phone insurance premium tax?
Introduced in the UK in 1994, mobile phone insurance premium tax is known as IPT. It is a tax on the premium you pay when you’re buying a mobile phone insurance policy and is paid to the government.
The standard rate of IPT in the UK is currently set at 12% and is included in the cost of your insurance premium. As well as mobile phone insurance policies, it’s also applied to other general insurance policies, including home insurance, car insurance and travel insurance.
Does Samsung have its own insurance?
When you buy a new device, Samsung will try to encourage you to take out something called Samsung Care+. It’s a similar extended manufacturer's warranty product to AppleCare+ and will protect your phone in certain circumstances.
However, Samsung Care+ won’t cover for loss, deliberate damage, cosmetic damage or lack of reasonable care. And you might have to pay additional fees to repair certain types of damage.
Does Samsung warranty cover accidental damage?
A Samsung phone purchased in the UK will come with a one-year Samsung warranty. According to Samsung, this covers you for device breakdown and a one-year battery warranty – accessories included with the phone have a six-month warranty.
It won’t cover you for a whole range of other problems, though, such as accidental damage, damage by water or liquids and normal wear and tear.
While a warranty is a nice way to deal with any early problems arising from manufacturing defects, for everything else you really need specialist insurance cover.
Can I take out Samsung phone insurance and claim straight away?
You’ll receive instant cover on your new device. So, as soon as you finalise your purchase of insurance, your cover will be activated.
Common exclusions with Samsung phone insurance
There are so many benefits to taking out Samsung phone insurance, but that doesn’t mean you’ll be covered for every possible problem.
Always pay attention to the small print and take a note of any exclusions to the cover - it's important information!
Common cover exclusions include:
- Pre-existing damage.
- Any claim where proof of phone usage can’t be provided.
- Claims where reasonable precautions have not been taken.
- Theft or loss from a vehicle or property when there’s no visible sign of forced entry.
- Theft or loss of a phone left unattended when away from your home.
- Lack of proof of phone purchase.
- Liquid damage.
- Cosmetic damage that doesn’t affect the functionality or operation of the phone.
- Theft or loss where there has been a delay in reporting to the police or the insurance provider.
Be aware, this is only a limited list and there could be other exclusions that apply to your policy. It's up to you to make sure you understand the detail of what's covered and what's not.
Other Samsung devices worth covering with gadget insurance
In a similar way to Apple products, if you want to get the most from any Samsung device then you’ll want to pair it with quality accessories. For example, the Galaxy Watch5 Pro, Galaxy Buds2 Pro or the Galaxy Book2 Pro 360 would all make a fantastic addition to your tech armoury.
However, even the most comprehensive phone insurance policy might not be able to cover the whole cost of a repair or replacement of such expensive items. That’s when an additional gadget insurance policy might come in handy, too.
Here at Gadget Cover, we can provide protection for a wide variety of Samsung gadgets including smart watches, tablets and laptops. If you need to repair or replace your gadgetry fast, we're here to help.
Getting a quote for Samsung phone insurance couldn’t be easier
Want to know how much a Samsung phone insurance policy will cost you? Just enter the make and model of your new device into the Gadget Cover online quote tool to find out what cover is on offer and how we can protect your tech.
Add in further details of the device including the age of your handset, when it was purchased and its IMEI number (or serial number) and you’ll have our best quote in a matter of moments.
Why Gadget Cover is perfect for your Samsung phone
Looking to arrange mobile insurance that offers great coverage and amazing value? Then look no further than Gadget Cover and its brilliant range of benefits:
- 25+ years of experience finding great value mobile phone insurance.
- 5* Defaqto rated policies. You can find full details on our website.
- Instant cover. Insure your phone with us and be protected from the very start.
- Unlimited claims.
- Quick quote. Use our online service and you could get you a super fast quote in just 10 seconds!
- Competitive prices.
- 24/7 claim registration portal so you can get help whatever time of day or night. Whatever the claim type, you'll always find us ready and willing to help.
- Three new levels of cover. Whether Gold, Silver or Bronze, pick the phone cover that's right for you.
- Coverage for even minor screen cracks.
- Family cover and worldwide cover, too.
- Interest free monthly payments. To help you manage the cost of mobile insurance cover.
- Great customer services. We're always happy to help you when you need us, and we're really proud of the services we provide.
- Popular products. So far, we’ve found great value insurance for more than half a million people in the UK alone!
Popular Samsung Insurance:
- Samsung Galaxy insurance
- Samsung Flip insurance
- Samsung Fold insurance
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
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.
Liquid damage
If your gadget has been damaged due to splashes or full immersion we’ll repair it or replace it.
Breakdown
Repair or replace your gadget if something goes wrong with it. (except laptops).
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.
Loss (optional)
If you selected to pay an additional premium and lose your gadget, we will replace it (mobile phones, tablets and smartwatches only).
Theft
If your gadget is stolen, we will replace it.
Accessories
We’ll replace any accessories (up to £150) if they are lost, stolen or damaged at the same time as your gadget.
Worldwide cover
Cover is extended to include use of your gadget anywhere in the world, up to 180 days in any 1 year.
Family cover
Your gadget cover is extended to your immediate family. If your partner loses or damages your phone you’re also covered!
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.
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.
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
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 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.
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.
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 gadgetcoverclaims@davies-group.com. 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 it and to protect it against the hassle and cost that comes with loss, theft, or damage.
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