FAQs

Whether you’re puzzled over policies, confused about cancellations or in a muddle over handset models, please feel free to browse our FAQs. We’ve tried to answer some of the most common queries as simply as possible.

If you’re still stuck however, please don’t hesitate to get in touch!

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General FAQs

Step 1. Go to “Find My iPhone” on iCloud.com.
Step 2. Click “all devices”. Select the device.
Step 3. Click “Lost Mode”
Step 4. Add the following message “Please contact loveit coverit if found”

It is possible for parents to insure their children’s phone on their behalf. The cover of your gadget will apply to you as the person who purchased the policy and your immediate family. This includes your mother, father, son, daughter, husband, wife, partner, brother, sister, grandparent or grandchild that permanently lives at your given address.

The cost of phone insurance depends on the make and model of your mobile. An older model that has less market value will be charged a cheap phone insurance rate, whereas a brand new, state-of-the-art smartphone will cost a bit more.

Additionally, a Premium level of mobile insurance cover that covers loss as well as theft, accidental damage, and more, will cost slightly more than Essential cheap mobile phone insurance cover.

For example, the Apple iPhone 13 with 128GB of memory costs £7.29 a month for Premium monthly phone insurance. A Samsung Galaxy A52 5G, on the other hand, costs £4.79 per month.

The best way to find out how much mobile phone insurance will cost you each month is to check out our free-to-use quote tool.

Get a quote now!

We've put together a handy guide for finding your IMEI number on Android which is part of the mobile phone insurance claims process.

Yes, but all mobile phones or tablets must be purchased from a VAT registered UK supplier within the last 36 months (from the policy start date).

These were sent to you by email upon completing your purchase. These are also available online at our 'Terms and Conditions' page.

Yes! Please email us at support@loveitcoverit.com or call us at 01702 568081 and we will be happy to help.

We are a trusted, specialist provider of mobile phone and tablet insurance policies direct to the consumer. loveit coverit is a trading style of Pier Insurance Managed Services Ltd.

Pier Insurance Managed Services Ltd is authorised and regulated by the Financial Conduct Authority. FCA registration no. 311798.

Please check through both the Policy Excess, and IPID (insurance product information document) to check for what is not covered by your policy.

Contact us immediately so that we can reinstate your policy and ensure that your mobile phone or tablet remains on cover. Otherwise, you may find we will not consider any claims during the period.

loveit coverit insurance will only cover your gadget, not the contents. Any pictures, apps, music and downloads should be backed up regularly by the phone owner.

No. We only cover phones that have been purchased as new, or that have been refurbished by the manufacturer or network provider.

If anything happens to your device, you can make a claim. Provided that the issue is covered under your phone insurance policy, you will typically pay an excess charge before sending the phone off for repair or replacement. This is a non-refundable cost charged for claiming on your policy.
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.
To learn more about our excess rates, visit our table below.

View mobile excess table

Unless specifically stated otherwise, your mobile phone will be covered by your home insurance policy if you lose or break it in the property, or if it’s stolen from your home. That is often the extent of mobile phone insurance though – it won’t feature airtime abuse or accessory cover, for example

Unless specifically stated otherwise, your mobile phone may not be covered under your home insurance policy if you lose or break it in the property, or if it’s stolen from your home. Some home insurance policies allow you to add optional extra which means your gadget will be protected outside of the home, but this will increase your premiums. To ensure peace of mind and save money, it’s always better to get specialised gadget insurance.

To validate the warranty Nintendo does require a proof of purchase.

You may cancel your policy at any time by emailing support@loveitcoverit.com.

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.

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, mobile phone insurance 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 2021, the cost of replacing an iPhone 13 screen has risen to £266.44.

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 325,000 people in England and Wales had their phones stolen in the year ending March 2020. With phone insurance, you can get reconnected quicker if you’re affected.

We will appear as Pier Insurance on all banking statements.
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Excess FAQs

Unlike other insurance providers, we do not increase our premiums after you make a claim. Therefore, we ask that you pay the compulsory excess so we can keep our prices low for you. In the meantime, you can trust that we will handle your claim promptly and professionally.

Your excess can be found in your Policy Excess documents.

Our goal is to ensure that your gadget is repaired to the highest possible standard, which is why we will not reimburse you for any repairs you do yourself. We only use our specialised and approved repairers who can confidently assess the damage to your device. This helps us to decide whether to repair or replace the phone.

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.

If anything happens to your device, you can make a claim. Provided that the issue is covered under your phone insurance policy, you will typically pay an excess charge before sending the phone off for repair or replacement. This is a non-refundable cost charged for claiming on your policy.
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.
To learn more about our excess rates, visit our table below.

View mobile excess table
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Claims FAQ's

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

Step 1. Go to “Settings” > “Accounts”. Select “Google” and select the account you want.
Step 2. Tap the menu icon. Select “Remove account”.
Step 3. Click “Remove account” on the pop up and confirm to delete your Google account from Android.

Step 1. Go to “Find My iPhone” on iCloud.com.
Step 2. Click “all devices”. Select the device.
Step 3. Click “Lost Mode”
Step 4. Add the following message “Please contact loveit coverit if found”

Once you’ve made a successful claim and received a replacement gadget, you’re more than welcome to cancel the insurance policy, though you won’t be covered for any further issues. If you try to cancel while a claim is on-going, there’s a chance that you’ll invalidate the claim and be unable to get a replacement. Always check your providers terms and conditions to be sure.

Your username is the email you used when you initially set up your policy.

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.

Great! Please share the great news with us and we will ensure that your claim is withdrawn. If a replacement has been sent, send it back in the original box and any excess that may have been paid to us will be refunded to you immediately.

First, make a claim, and if the issue falls within your Terms & Conditions we will advise you about the next steps. If your mobile phone or tablet has simply stopped working, you should contact the manufacturer as the issue is likely to be covered under the manufacturer’s warranty.

Please sign in to your account here to update your device.

First, make a claim and we will provide the necessary guidance to get your device to the best possible repairer. Just make sure you remove the SIM card, battery and any other accessories before you send it away for repair.

You will need to provide your proof of purchase. This must include the date of purchase, IMEI or serial number of the mobile phone or tablet, and be in your name.

Don’t panic – notify your network provider and let them know so you can have your mobile phone or tablet barred to protect your minutes. Then report the loss or theft to the police within 24 hours, and make sure to obtain the crime reference number. Finally, get in touch with us either by completing the online claim form or by contacting us by email - support@loveitcoverit.com.

Please sign in to your account here to make a claim.

No, there is no minimum or maximum period of cover. If you choose to pay annually, we will let you know your cover is coming to an end two weeks before the renewal date. If you don’t tell us otherwise, we will automatically renew your phone insurance policy.

We only offer mobile phone insurance cover for genuine devices. That means if you have a non-genuine device then we won’t be able to cover it.

Unlike other insurance providers, we do not increase our premiums after you make a claim. Therefore, we ask that you pay the compulsory excess so we can keep our prices low for you. In the meantime, you can trust that we will handle your claim promptly and professionally.

Your excess can be found in your Policy Excess documents.

Where possible, your replacement phone will be the same make, model, and colour as before. If this is not possible, or it’s no longer produced, we will provide a phone that’s as close as possible to the original in terms of value and features.

Your phone will either be brand new or refurbished as new – you won’t be able to recognise the difference though. It will also have a warranty.

Your policy is not a ‘replacement as new’ policy so all mobile phone or tablet replacements may be either brand new or refreshed devices – all devices will also come with a warranty.

The quality of refreshed devices is so high you won’t be able to tell the difference compared to the new devices. Although standards are extremely high, please note that refreshed devices may hold some non-original parts.

We know that mobiles matter, which is why we’ll aim to get you yours within 24 to 48 hours of your phone insurance claim being approved.
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Cover FAQs

Our policies are underwritten by Collinson Insurance (a trading name of Astrenska Insurance Limited). Astrenska Insurance is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the United Kingdom, under Firm Reference Number 202846

No. Whilst every care is taken to ensure that our list is complete and up to date, the iPhone market changes very often. Please contact us to give us the details of your iPhone model, and we will confirm if it is a model we can cover.

Yes, but all mobile phones or tablets must be purchased from a VAT registered UK supplier within the last 36 months (from the policy start date).

No, there is no minimum or maximum period of cover. If you choose to pay annually, we will let you know your cover is coming to an end two weeks before the renewal date. If you don’t tell us otherwise, we will automatically renew your phone insurance policy.

Our cover is designed for proud gadget owners that do not already have such insured with another provider, but want to be able to cover the costs should their gadget need to be repaired or replaced outside of the manufacturer’s warranty. A Policy Excess will also be required for every successful claim, and limitations and exclusions apply.

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.

Yes – loveit coverit will insure your phone for its market price. Even if you buy it with a discount from your network provider, we’ll still replace it with an identical or similar model.

It depends on the make and model of your gadget. An older model that has less market value will cost very little to insure monthly, whereas a brand-new, state-of-the-art smartphone will cost a bit more. For example, the Apple iPhone Xs Max with 512GB of memory costs £13.75 a month for Premium monthly insurance.

Like most insurers, our policies offer basic insurance such as protections against theft, accidental damage and liquid damage. If something were to happen and you needed to make a claim on your insurance, you would either receive a like-for-like replacement or be offered a repair. This is dependent on the level of damage or if the camera is repairable. With a camera insurance policy from loveit coverit, you’ll get cover against theft, damage, and liquid damage as standard. You will also receive worldwide cover for extra protection.

With your insurance cover, you will pay a monthly fee covering your headphones against accidental damage and theft. For the duration of your policy, you will be able to claim on your insurance and receive either a repaired model or a like-for-life replacement.
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Replacement Process FAQs

Where possible, your replacement phone will be the same make, model, and colour as before. If this is not possible, or it’s no longer produced, we will provide a phone that’s as close as possible to the original in terms of value and features.

Your phone will either be brand new or refurbished as new – you won’t be able to recognise the difference though. It will also have a warranty.

Your policy is not a ‘replacement as new’ policy so all mobile phone or tablet replacements may be either brand new or refreshed devices – all devices will also come with a warranty.

The quality of refreshed devices is so high you won’t be able to tell the difference compared to the new devices. Although standards are extremely high, please note that refreshed devices may hold some non-original parts.

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.

While we always aim to provide complete customer satisfaction, we understand that sometimes things don’t turn out the way we expect. In these cases, we would love to hear from you so that we can understand what went wrong and how to improve our service.

Naturally, we pride ourselves on the quality of our service, and the products we offer. However, should you need to make a complaint, please send an email to support@loveitcoverit.com.

First, make a claim and we will provide the necessary guidance to get your device to the best possible repairer. Just make sure you remove the SIM card, battery and any other accessories before you send it away for repair.
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Policy FAQ's

The regularity of your mobile phone insurance payments depends on the policy you take out, and at loveit coverit, there are two options to choose from.

First, monthly policies. These work like any other bill – you pay a monthly fee, and we provide mobile insurance on your device. You can choose when the payment goes out of your account too, so no worries if your payday falls at an awkward time of the month.

Just bear in mind that we don’t take payments in the first 14 days after the policy begins, so you might initially have to pay for two months’ worth of cover in the same calendar month.
Alternatively, you can choose to pay your mobile insurance yearly. This one is just as simple – pay for a year’s worth of cover in one lump sum and renew at the end of the year.

As you might find when buying a phone or purchasing a contract, the older the phone, the cheaper the mobile insurance typically is.

That’s because older smartphones are in less demand and thus simply cost less, which means reduced costs when replacing or repairing them.

To ensure that you’re getting the best deal when you sign up to loveit coverit phone insurance, we regularly check the prices of all the phones we cover. That way, you will be able to get cheap phone insurance from the get-go.

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

If you want to cancel your smart watch insurance, you’ll need to contact your provider. If you’re on a monthly direct debit, you’ll usually have to pay the remainder of the month, after which you’ll no longer be covered. For annual policies, you’ll be covered until the end of your policy period, after which you’ll no longer be covered.

As with most insurance policies, you’ll need to contact your provider and inform them that you wish to cancel your policy. If you’re on a monthly payment plan, you’ll be expected to pay the remainder of the month. Following the end of this month, your insurance cover will stop. If you’re on an annual plan, your policy will last for the duration of the agreed policy period and end after the final date.

Most insurers will offer basic protections against theft and accidental damage. If you decide to make a claim on your insurance, you’ll either have your headphones repaired or receive a like-for-like replacement pair, depending on the amount of damage or if the item can be recovered.

No the Nintendo warranty doesn’t cover water damage, but we do!

The Nintendo warranty lasts 24 months but is limited to manufacturing issues and does not cover loss, theft or accidental damage.

No the Nintendo warranty doesn’t cover theft, but we do!

The Nintendo warranty doesn’t cover accidental damage, but the Loveit Coverit Nintendo Switch insurance policy does.

The majority of smart watch insurance providers will cover your device against damage and theft, ensuring that you’ll get a repair or replacement should the worst happen. Some insurers, like loveit coverit, will even cover you worldwide.

In basic terms, you choose the insurance policy that’s right for you and your gadget, and then check if we’ll cover it. Once that’s sorted, you’ll pay a monthly fee (or one-off annual charge if you feel like it) to ensure you gadget is protected. If something should happen to your smart watch during the policy period, you make a claim and we’ll guarantee you a repair or replacement.

The amount you pay each month will depend on the level of cover you want and the price of the Apple Watch. The more expensive the watch is, the higher the premium will be. However, you have to remember that our insurance will cover you for accidental and liquid damage and theft. In addition, we include Worldwide cover and Accessory cover in our standard policy.

Like most insurers, our policies offer basic insurance such as protections against theft, accidental damage and liquid damage. If something were to happen and you needed to make a claim on your insurance, you would either receive a like-for-like replacement or be offered a repair. This is dependent on the level of damage or if the camera is repairable. With a camera insurance policy from loveit coverit, you’ll get cover against theft, damage, and liquid damage as standard. You will also receive worldwide cover for extra protection.

In basic terms, you will pay a monthly fee that covers your camera for the damages listed above. As a result, if one of those scenarios were to happen you would either receive a like-for-like replacement or a repair, meaning you won’t be left out of pocket.

As is the case with most policies should you wish to cancel your camera insurance, you’ll need to contact your provider and inform them of this decision. If you’re paying a monthly payment, then you’ll likely have to pay the remainder of the month, after which your cover will cease. For annual policies, your cover would continue until the end of the policy period. Again, after which your cover will no longer be in effect.

Regardless of your level of cover, you can expect some basic protections against theft and accidental damage. In the majority of cases this will result in your existing model being repaired or replaced like-for-like, although some insurers will offer a cash pay-out. Unlike other insurers we offer worldwide cover as standard.

It’s really simple: you pay a monthly fee that covers your laptop in the event of accidental damage and theft. If anything happens to your device which falls within the remit of your insurance policy, you can make a claim. If your claim is successful, you’ll have to pay an excess charge, send the broken device off (if damaged), and you’ll get a repaired model or a similar replacement if it cannot be fixed.

If you’re travelling outside of the UK, personal belongings should be covered under your travel insurance policy. However, this may only be against theft or circumstantial loss i.e. if it’s lost during airport handling. Most travel insurers won’t protect your device against damage, and may only cover you to a certain amount for electronic goods. To make extra sure that your device is protected whilst travelling, it’s a good idea to get dedicated insurance with worldwide cover, so no matter where you are, you’ll be protected against loss, theft, and damage.

Once you’ve decided on loveit coverit and used our quote tool to find the right price, all you have to do is fill in a simple online form about your device and set up a phone insurance payment plan – it’s that easy.
For devices that don’t appear on our website – that may be older or unique, for example – all you have to do is get in touch with our experts. They’ll be able to tell you if your device is eligible for cover and how you can proceed.

Your username is the email you used when you initially set up your policy.

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.

The truth is that phone insurance may not be worth it... until you actually have to make a claim. You could very easily pay out for insurance every month and never see a return on your investment, which may seem like a waste. But if you choose to go without insurance and your device is broken or lost, you’ll almost certainly have to spend more money to fix it than you would have sent on a policy. If you feel comfortable without insurance, then you probably don’t need it, but if you want that added peace of mind, it’s a must-have.

Your phone will have an IMEI (International Mobile Station Equipment Identity) number. It can be found by dialling *#06# on most phones. You can also find it printed inside of the battery compartment of your phone.

Your phone is only covered for damage if it stops the device from functioning normally. We will cover cracked screens, but scratches, dents, and everyday wear and tear do not qualify for repair or replacement.

Unlike other insurance providers, we do not increase our premiums after you make a claim. Therefore, we ask that you pay the compulsory excess so we can keep our prices low for you. In the meantime, you can trust that we will handle your claim promptly and professionally.

Please sign in to your account here to update your home address

You may cancel your policy at any time by emailing support@loveitcoverit.com.

It is possible for parents to insure their children’s phone on their behalf. The cover of your gadget will apply to you as the person who purchased the policy and your immediate family. This includes your mother, father, son, daughter, husband, wife, partner, brother, sister, grandparent or grandchild that permanently lives at your given address.

Our policies are underwritten by Collinson Insurance (a trading name of Astrenska Insurance Limited). Astrenska Insurance is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the United Kingdom, under Firm Reference Number 202846