Business mobile phone insurance cover

When your work mobiles are how you take calls, answer customers and keep projects moving, a cracked screen or a stolen handset is more than an inconvenience. It is downtime.


Our business mobile phone insurance is designed to help you get back up and running, with cover for accidental damage, liquid damage, theft and mechanical breakdown. If you need accidental loss cover as well, you can choose Premium, subject to the policy terms and your schedule of insurance.


This policy can cover a private individual or a company, and it applies to the gadget(s) listed on the policy schedule. That makes it a practical option whether you are insuring one director’s phone or multiple work devices across a small team.

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Built for work phones

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Unlimited repairs and replacements

Phone insurance for small business and teams

When your work mobiles are how you take calls, answer customers and keep projects moving, a cracked screen or a stolen handset is more than an inconvenience. It is downtime.

Our business mobile phone insurance is designed to help you get back up and running, with cover for accidental damage, liquid damage, theft and mechanical breakdown. If you need accidental loss cover as well, you can choose Premium, subject to the policy terms and your schedule of insurance.

This policy can cover a private individual or a company, and it applies to the gadget(s) listed on the policy schedule. That makes it a practical option whether you are insuring one director’s phone or multiple work devices across a small team.

Cover for work phones, made simple
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What’s covered and what to check first

Choose your level of cover based on how your business uses its devices:



  • Essential: accidental damage, liquid damage, theft and mechanical breakdown.

  • Premium: includes everything in Essential, plus accidental loss cover.


For mobile phones, approved claims can also include accessories up to £175 (for example chargers and protective cases) if they were lost, stolen or damaged at the same time as the phone, subject to the policy terms.


There is an excess payable for each claim. You can see the current excess levels at policy excesses. If a claim is made within the first 30 days of cover, an additional excess applies.


Eligibility and restrictions matter for business cover: your device must meet the age limit at policy inception, and you will need valid proof of purchase from a UK VAT registered company. Replacements are not new-for-old and may be refurbished, with a 12-month warranty.


How to claim if a work phone is lost or damaged

If you need to claim, you will be guided through the steps and asked for evidence that matches the policy conditions:



  • For loss or theft, report it to your network provider and blacklist the handset within 24 hours, and report to the police within 48 hours to obtain a crime reference number.

  • Contact us as soon as possible and we will provide access to the claim form portal. Submit the completed claim form and supporting documents within 30 days of the incident.

  • You may be asked for proof of usage from your network provider, and for damage or breakdown claims you may need to post the device to us at your cost.


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There are several reasons why you might need mobile phone insurance.

First, if you want to reduce your phone costs. With smartphones costing so much nowadays, getting the best mobile phone insurance you can in the UK is a good idea if you don’t fancy forking out hundreds of pounds on a replacement mobile – especially since flagship devices routinely cost over £1,000. Even repairs are getting more expensive – by 2025, the cost of replacing an iPhone 15 screen has risen to £200.

While a phone insurance policy does have a monthly cost and you may have to pay an excess fee when you claim, this can pale in comparison to the price of a new device.

Second, if you’re a higher-risk phone user. Some of us are more likely than others to lose or drop our phones. It’s not a positive or negative – it’s just a fact of life. If you’re one of these people, then mobile insurance can take the stress and cost out of regularly having to repair or replace your phone. This means you can enjoy your mobile, not be scared to use it.

And third, mobile insurance can guard against theft. While phones are ubiquitous these days, criminals still target users – particularly in environments like public transport. The Crime Survey for England and Wales estimates that 83,900 people in England and Wales had their phones stolen over a period of 12 months over 2023/2024, double the number of the previous 12 months. With phone insurance, you can get reconnected quicker if you’re affected.

It’s pretty simple really: you pay a monthly, or annual, fee that covers your phone in the event of a theft, accident or loss. If anything happens to your gadget, you can make a claim. Provided that the issue is covered under your policy, you pay the excess charge, send the gadget off, and have it repaired or receive a replacement.

Our Premium phone insurance protects you against theft, accidental damage – including mechanical breakdown, screen damage, and liquid damage. As part of this package you’ll also be able to claim for £10,000 worth of unauthorised calls and £175 of accessories. This insurance policy also covers you worldwide, so not matter where you are, you’ll be able to claim.

If your phone has vanished without a trace, our loss cover will make sure you’re not left out of pocket. At loveit coverit, we include loss in our premium policies.

All phone insurance policies include an excess – it’s the small contribution you pay when you make a claim. We’re transparent: you’ll always see your excess upfront before you buy, which is one reason many choose us when looking to compare phone insurance.

The excess charge itself will differ depending on your mobile insurance policy, which is decided by your make and model. Essentially, the more expensive your phone, the more you’ll need to pay. If claiming for loss or theft, you may have to pay extra compared to if you were making an accidental damage mobile phone insurance claim.

We don’t currently offer phone insurance with no excess, as removing excess would raise monthly premiums significantly. Instead, we keep both premiums and excess charges fair, clear, and competitive, giving you affordable protection without hidden costs.

To learn more about our excess rates, visit our table below.

View mobile excess table

Acceptable proof of ownership includes a till receipt or documentation from any online purchase or from your network provider. We may decline your claim if you do not have any valid proof of ownership.

You will need to check your policy details, but we now provide unlimited claims for loss, theft and damage during each 12-month calendar period of your policy.

Yes, you can insure a contract phone, and doing so can be a good idea too. That’s because purchasing third-party cover can often get you cheaper phone insurance than if you were to go with the policy offered by your network.

Yes, we may be able to. If your refurbished phone comes with a manufacturer’s warranty or original proof of purchase, then get in touch or chat to us on live chat below to see if we can cover your device.

Like all insurance policies, there are some rare occasions in which we won’t be able to provide mobile phone insurance cover for your device. You’ll be made aware of these when you make a quote, but the most common are as follows:

• Your phone is already damaged

• You bought your phone refurbished as grade B or C

• Your phone is 36 months old or more

• Your mobile wasn’t bought from a UK VAT-registered company

• You’re not a UK resident

• You haven’t paid for your mobile phone cover

View all exclusions
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