Find out what is covered by mobile phone insurance, how much it costs, and whether or not it is worthwhile to purchase a mobile phone insurance coverage.

What exactly is covered by my mobile phone insurance?

In the event that your mobile phone is lost, stolen, or damaged, having mobile phone insurance will cover the expense of repairing or replacing your device.

What exactly does coverage for a mobile phone consist of?

The majority of insurance policies for mobile phones cover the following in addition to the cost of repairing or replacing your mobile device:

Calls that are not authorised
Protection for phone accessories in other countries
Downloads a variety of useful material, including apps, games, and music

Because the degree of coverage provided by insurers will vary from one provider to the next, it is essential to verify the terms of the mobile phone insurance policy before making a purchase. If you are still confused, you may always phone the service provider to get more information.

Should I get insurance for my mobile phone?

It is important to ask oneself the following inquiries before coming to a conclusion regarding whether or not you actually require mobile phone insurance:

Are you accident prone?

You can benefit from purchasing mobile phone insurance if you have a track record of misplacing, damaging, or having your phone stolen from you.

If you run into issues with your mobile device on a regular basis, purchasing mobile phone insurance may help you save money in the long run. This is especially true if you need to file many claims within a given year.

Are you able to get a new phone for yourself?

It can be highly pricey to replace or repair a smartphone, especially a newer model, especially if you are looking at newer models.

Ask yourself this question: if the worst were to happen, would you be able to replace your phone? Or are you at least open to the idea of purchasing a model that is less expensive?

How dependent are you on your mobile device?

If you rely rather heavily on your mobile phone and would require an immediate replacement if it was lost, stolen, or destroyed, you should give some thought to purchasing mobile phone insurance.

Because not all insurance will promptly replace your phone, you need to confirm that the one you’re considering purchasing will.

Would you be able to find protection anywhere else?

You might already have the ability to cover your mobile phone with an insurance policy that you already have. If you own a home and have contents insurance, for instance, you might be able to include your mobile phone in the coverage for personal possessions that your policy provides.

How can I sign up for insurance for my mobile phone?

There are primarily four channels via which one can acquire mobile phone insurance.

Bank accounts that come in packages

A current account that comes with a number of additional features, such as mobile phone insurance, for a monthly cost is referred to as a packaged bank account.

Insurance specialising in electronic devices

There are insurance policies that are created expressly to safeguard your cell phone and other electronic devices, and you can get one of these policies today. They frequently come at a lower cost.

Manufacturers insurance

There are some manufacturers of mobile phones and other electronic devices that provide their own insurance for the products they create.

Mobile network protection policies

You might be able to add mobile phone insurance to your plan if you buy a phone or enter into a service agreement with a mobile network operator at the same time. It is possible that this will be more expensive than a specialty policy (see above).

Common mobile phone insurance exclusions

The exclusions that are included in mobile phone insurance policies might vary from one to another, however the following are some of the more typical ones:


Mobile phone insurance typically does not cover accidents that are the result of negligence, and insurers will frequently deny claims in situations where the policyholder has not exercised the appropriate level of caution.

For instance, you might forget that your phone was resting on the duvet when you go to make the bed, which results in the phone hitting the wall and cracking its screen.

Theft while the property was unattended

The majority of insurance coverage for mobile phones will not reimburse you if your device is stolen when you have it unattended in a public place. This could involve leaving your phone on a table in a restaurant or on the seat of your car while you go out to lunch.

Even if you left your phone with a group of friends or other people you know, it is possible that it will be considered to be in an unattended location. Suppose, for example, that you went to the restroom and left your phone on the counter of a pub with your friend while you used the facilities.

Water damage

In most cases, insurance policies for mobile phones do not cover damage caused by water. This might involve anything from inadvertently flushing your phone down the toilet to forgetting it was in your pocket and washing it while it was still there.

Delays in reporting your lost or stolen phone might have serious consequences.

It is extremely important that you file a report regarding your missing or stolen phone as soon as you possibly can.

If you wait more than 24 hours to report your phone as lost or stolen, some insurance will not pay the cost of replacing your phone or for any unauthorised calls or downloads made while the phone was in your possession.

Damage to the Appearance

The vast majority of mobile phone insurance do not provide coverage for aesthetic damage such as dents or scratches. If the damage to your phone does not prevent it from functioning normally, then your insurance policy probably will not cover the cost of fixing it.


The majority of insurance companies for mobile phones will not cover phones owned by people less than 18 years old.

Before purchasing coverage, you should verify with a provider whether or not you, as well as the person you intend to insure, meet the requirements necessary to be covered by the policy.

Options aside from mobile phone protection plans

If you don’t believe that mobile phone insurance is right for you, there are a number of other options that might be able to cover your cell phone in the event of an accident.


If the warranty on your phone is still active, you might be eligible for certain additional protections.

Check the terms and conditions of the warranty before deciding against purchasing additional coverage, as warranties typically only cover issues related to the mechanical functioning of the product.

Contents Insurance

Whether you have contents insurance, you should check to see if you can get coverage for your cell phone under the personal property section of the policy.

When you leave your house, your valuables are protected by your personal items, and those belongings may even give some degree of protection when you travel internationally.

If you add your phone to your homeowner’s insurance policy for your contents, you run the risk of having to pay a higher deductible in the event of a claim.

Keep in mind that filing a claim with your homeowner’s insurance could result in an increase in your premiums when it comes time to renew your policy.

Own-Profit Insurance

Self-insurance refers to the practise of setting aside money in a savings account on a regular basis in order to cover the expense of repairing or replacing a mobile phone.

Consider how likely it is that you will be able to put away enough money to cover any fees that may come up. This is especially important to keep in mind in the event that you are required to pay the bill for any unauthorised downloads or calls made to premium rate numbers.

Mobile phone insurance: your questions answered

Is it worthwhile to purchase mobile phone insurance?

Because cost and value are two very different things, it is essential to carefully consider the benefits and drawbacks of purchasing mobile phone insurance before making a decision.

If you do choose to get protection for your mobile device, you should do some comparison shopping to discover the policy that offers the most value for your money.

Carefully go over the policies’ terms and conditions, and if you have any questions after doing so, give the company a call for clarification.

How long does mobile phone insurance last?

It is dependent on your preference, as mobile phone insurance can be purchased on a monthly or yearly basis. Your mobile phone insurance coverage will be in effect for a full year if you choose for an annual policy.

If you go with a monthly plan, the amount of time that you are covered by your mobile phone insurance can be cut in half.

Will the cost of a shattered phone screen be covered by insurance?

The majority of insurance companies for mobile phones will cover broken screens if the damage in any way affects the functionality of the mobile phone.

Make sure that the conditions of your coverage are thoroughly examined.

Is it possible to insure a reconditioned phone?

It is dependent on the insurer; some gadget insurers consider refurbished phones to be new, but others may consider them to be used.

If you are unable to purchase mobile phone insurance for your refurbished phone, you might check into whether or not it is possible to obtain coverage for it under your contents insurance policy.

How much time do I have until I have to lodge a claim?

The majority of insurance policies for mobile phones require you to report your device as lost or stolen within twenty-four hours of the time you realise the incident has occurred.

There are some insurers that let you as little as 12 hours to make the change. It is in your best interest to check with the company that provides insurance for your mobile phone.

If my claim is successful, how will I be compensated?

Your mobile phone insurance company will resolve your claim in one of the following ways if your claim is approved: they will either repair your phone, give you a replacement phone, mail you a check or transfer money directly into your bank account.

What options do I have if the claim that I submitted is denied?

You have the option of filing a complaint with your insurer and going through the company’s internal complaints process if your claim for mobile phone insurance has been denied.

You have the option of taking your complaint to the Financial Ombudsman Service if the conclusion does not meet your expectations.

Does mobile phone insurance protect deleted data?

It’s possible that the cost of replacing apps and music is covered by some mobile phone insurance coverage.

Remember to back up your phone on a regular basis, as there is typically no way to recover the cost of lost images, texts, or contacts if your phone is lost or stolen, so it is important to keep this in mind.