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Loveit Coverit

  • Water Damage
  • Breakdown
  • Accidental Damage
  • Theft
  • Unauthorised Usage
  • Worldwide Cover
  • Optional Loss
  • Family Cover
  • Make a Claim Online

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helpucover

  • Water Damage
  • Breakdown
  • Accidental Damage
  • Theft
  • Unauthorised Usage
  • Worldwide Cover
  • Optional Loss
  • Family Cover
  • Make a Claim Online

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Trusted Insurances

  • Water Damage
  • Breakdown
  • Accidental Damage
  • Theft
  • Unauthorised Usage
  • Worldwide Cover
  • Optional Loss
  • Family Cover
  • Make a Claim Online

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Protect Your Bubble

  • Water Damage
  • Breakdown
  • Accidental Damage
  • Theft
  • Unauthorised Usage
  • Worldwide Cover
  • Optional Loss
  • Family Cover
  • Make a Claim Online

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Gadget Cover

  • Water Damage
  • Breakdown
  • Accidental Damage
  • Theft
  • Unauthorised Usage
  • Worldwide Cover
  • Optional Loss
  • Family Cover
  • Make a Claim Online

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Better Buy Insurance

  • Water Damage
  • Breakdown
  • Accidental Damage
  • Theft
  • Unauthorised Usage
  • Worldwide Cover
  • Optional Loss
  • Family Cover
  • Make a Claim Online

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Switched On Insurance

  • Water Damage
  • Breakdown
  • Accidental Damage
  • Theft
  • Unauthorised Usage
  • Worldwide Cover
  • Optional Loss
  • Family Cover
  • Make a Claim Online

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Gadget Buddy

  • Water Damage
  • Breakdown
  • Accidental Damage
  • Theft
  • Unauthorised Usage
  • Worldwide Cover
  • Optional Loss
  • Family Cover
  • Make a Claim Online

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Insure My Mobile Phone

  • Water Damage
  • Breakdown
  • Accidental Damage
  • Theft
  • Unauthorised Usage
  • Worldwide Cover
  • Optional Loss
  • Family Cover
  • Make a Claim Online

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Insurance2go

  • Water Damage
  • Breakdown
  • Accidental Damage
  • Theft
  • Unauthorised Usage
  • Worldwide Cover
  • Optional Loss
  • Family Cover
  • Make a Claim Online

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Buy Mobile Phone Insurance

  • Water Damage
  • Breakdown
  • Accidental Damage
  • Theft
  • Unauthorised Usage
  • Worldwide Cover
  • Optional Loss
  • Family Cover
  • Make a Claim Online

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Mobile Insurance

  • Water Damage
  • Breakdown
  • Accidental Damage
  • Theft
  • Unauthorised Usage
  • Worldwide Cover
  • Optional Loss
  • Family Cover
  • Make a Claim Online

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Geek Squad

  • Water Damage
  • Breakdown
  • Accidental Damage
  • Theft
  • Unauthorised Usage
  • Worldwide Cover
  • Optional Loss
  • Family Cover
  • Make a Claim Online

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Organic Protect

  • Water Damage
  • Breakdown
  • Accidental Damage
  • Theft
  • Unauthorised Usage
  • Worldwide Cover
  • Optional Loss
  • Family Cover
  • Make a Claim Online

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Cover Cloud

  • Water Damage
  • Breakdown
  • Accidental Damage
  • Theft
  • Unauthorised Usage
  • Worldwide Cover
  • Optional Loss
  • Family Cover
  • Make a Claim Online

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Knowhow Gadget Insurance

  • Water Damage
  • Breakdown
  • Accidental Damage
  • Theft
  • Unauthorised Usage
  • Worldwide Cover
  • Optional Loss
  • Family Cover
  • Make a Claim Online

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Debenhams Gadget Insurance

  • Water Damage
  • Breakdown
  • Accidental Damage
  • Theft
  • Unauthorised Usage
  • Worldwide Cover
  • Optional Loss
  • Family Cover
  • Make a Claim Online

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Row

  • Water Damage
  • Breakdown
  • Accidental Damage
  • Theft
  • Unauthorised Usage
  • Worldwide Cover
  • Optional Loss
  • Family Cover
  • Make a Claim Online

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A Guide to Mobile Phone Insurance

Let’s face it, mobile phones can be pretty expensive. And if you’ve just spent hundreds of pounds on a new hand set, then you might be thinking about getting some insurance. You don’t want to be out of pocket if your new phone is lost, stolen or broken, right? But do you really need mobile insurance? And what kind of policy options are there? We’re taking a look at everything you need to know about mobile insurance, so read on!

Why You Might Not Need Mobile Insurance

The first issue here is that you might not need mobile phone insurance at all, and there are a couple of reasons why not. Firstly, you actually might already have insurance for your mobile, but you just don’t realise it. Check your homeowner’s insurance to see if it covers mobile devices, and if you bought your phone using a credit card you should check your credit card company too, since both these options might mean that you already have coverage.

Secondly, you just might not want to make the investment. You’ll be paying a monthly fee for mobile insurance, and that might not be worth it to you. If you’re willing and able to cover the price of a new phone if necessary, or you don’t mind if you need to switch to an older or cheaper model should your current phone disappear, then you really don’t need insurance at all.

Why You Might Need Insurance

On the other hand, there are a few reasons why you might want to invest in mobile insurance. If your new phone is extremely expensive, and you’re not able to pay full price to get another one should the worst happen, for example. Or if you’re very dependent on your phone, for work maybe, so a replacement phone is a necessity. Or maybe you don’t like the idea of having to downgrade to a cheaper or older phone if your awesome new model gets lost, stolen or damaged. Finally, you might want to consider mobile insurance if you have a rocky history with phones. If you regularly break or lose phones, then insurance might be a good plan for you.

What Mobile Insurance Covers

Essentially, all mobile insurance policies should cover your phone in case it’s stolen, lost or damaged. However, there are going to be exceptions which vary by company, and we’ll look at what might not be covered below. In addition to the essential basic coverage, you will probably have other optional extras as well. Common optional extras include things like coverage outside the UK, coverage for content on your phone (such as apps and games you may have bought), coverage for accidental damage (such as you dropping your phone), or coverage for unauthorised use (to help pay your phone bill should a thief make calls on your stolen phone). These extras vary by company, so you’ll have to read policy details carefully!

What Mobile Insurance Doesn’t Cover

There are some common things that mobile insurance doesn’t generally cover, however, though again this depends on the company you choose so you’ll need to read policy details carefully. Many policies do not cover carelessness. This means that if you drive off with your phone on the roof of your car, if your phone is stolen because you left it unattended, or if you accidentally leave your phone in the back of a taxi, then you won’t get a pay out.

Most policies don’t cover water damage, or only offer it as an optional extra not as standard. You may not be covered if the original SIM card was not in the phone (maybe because you changed operators), or if the phone was pickpocketed (some insurers only cover theft if “force” was used). You might not get your pay out if you wait too long to report loss, theft or breakage. And finally, many insurers have age limits and will not insure a phone that is mainly used by someone under the age of 16 or 18.

Protecting Yourself

If you do decide that mobile insurance is for you then you’ll want to make sure that you have the best protection possible for your investment. The first thing that you should do is read reviews of insurers, knowing which company offers which perks and knowing that other customers have had good experiences with a company will help you choose a great insurer.

You’ll also need to read all the fine print of any insurance contract. It’s common that there are exclusions to coverage, as we mentioned above, and you should know about these before you sign up. There are also likely to be certain terms, such as whether or not you need to file a police report before claiming, and again, it’s best to know these beforehand.

Do realise that you may not necessarily get a new phone, even if your insurance claim is judged to be valid. Many insurers will attempt to refurbish broken or damaged phones rather than replace them. Most insurers also have an excess, meaning that you’ll need to pay a certain amount of the cost of the phone before the company pays the rest. Generally, this excess is at least £25.

Is Mobile Insurance Necessary?

In some cases mobile insurance can be a great idea. With mobile phones costing so much these days, having the security of an insurance policy just in case something goes wrong can give you peace of mind. Mobile insurance isn’t for everyone, but if you decide that it’s the right choice for you then do shop around and read all information carefully before signing a contract!