FAQs

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.

All Nintendo systems come with a limited warranty included when they are purchased, these cannot be purchased at a later date. This only covers you so far though. If you want your Nintendo Switch to be covered for theft, loss or accidental damage you can’t go wrong with your specialist Nintendo Switch insurance from Loveit Coverit.

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).

Yes, but all iPhones must be purchased from a VAT registered UK supplier within the last 36 months (from the policy start date). This must be supported by a valid proof of purchase document.

When applying for your phone insurance, we may perform a credit check that will appear on your credit file.
If you submit a successful claim and your phone requires repair or replacement, we will make sure your data is safe. In order to protect your privacy, all of your phone data is wiped once it is sent to our repair centre.
In the case of repair, standard checks are performed, such as IMEI searches to ensure that the device is not insured elsewhere and trader alerts to check that the device isn’t up for sale.

If iPhone users would prefer to get insurance through the manufacturer, they can opt to purchase AppleCare+. This insurance plan costs £129 for the year and protects your phone against hardware damage, manufacturer damage, and up to two cases of accidental damage. For everything else, you’ll either have to pay a hefty excess fee or pay in full.

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.

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

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.

You may have 12 months' coverage with your manufacturer, but this will usually only cover mechanical breakdowns. Cracked screens, liquid damage, accidental damage, loss, and theft are not included.

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.

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.

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.

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.

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.

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

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

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

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

Yes. The iPhone XR is compatible with a range of wireless chargers including Aircharge, Belkin, and Aukey.

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

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.

You can notify us of your claim by completing the claim form or emailing support@loveitcoverit.com.

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.

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.

Essentially, you pay a monthly fee which covers your computer against accidental damage, theft, or loss. If, during your policy, something happens to your machine, you’ll be able to make a claim and receive either a repaired model or a like-for-like replacement.

With a general insurance policy, you will pay a monthly fee covering your fitness gadgets again accidental damage, theft, or loss. For the duration of your policy, you will be able to claim on your insurance a receive either a repaired model or a like-for-life replacement.

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.

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.

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.

It’s not difficult! You’ll pay a fixed monthly fee that provides cover should any accidental damage, theft, or loss. If anything does happen to your sat nav, and it is covered in your insurance terms, you can make a claim. From there, our team will guide you through the process.

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

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.

The starting price for the iPhone XR is £749 for the 64GB model. The 128GB model costs £799 and the 256GB model is £899.

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.

The cost of insurance usually depends on the original price of the gadget as well as its age. For example, a brand-new, top-of-the-range camera is going to cost a lot more to replace than a standard model, meaning that the cost of insurance will go up.

The risk of damage and theft also needs to be considered closely by the insurance company. Furthermore, more expensive models tend to carry higher excess charges, meaning that the total cost of insurance is more. When deciding to invest in an insurance policy for your camera, it’s important to assess the risk and whether the cost of replacing your camera individually is worth it.

The cost of insurance usually depends on the original price of the gadget as well as its age. For example, brand-new, top-of-the-range fitness gadget is going to cost a lot more to replace than a standard pair, meaning that the cost of insurance will go up. The risk of damage and theft also need to be considered closely by the insurance company.
Furthermore, more expensive fitness gadgets tend to carry higher excess charges, meaning that the total cost of insurance is more.

When deciding to invest in insurance for your fitness gadget, it’s important to assess the risk and whether the cost of replacing it yourself is worth it.

The cost of insurance usually depends on the original price of the gadget as well as its age. For example, brand-new, top-of-the-range headphones are going to cost a lot more to replace than a standard pair, meaning that the cost of insurance will go up. The risk of damage and theft also need to be considered closely by the insurance company.
Furthermore, more expensive headphones tend to carry higher excess charges, meaning that the total cost of insurance is more.

When deciding to invest in insurance for your headphones, it’s important to assess the risk and whether the cost of replacing your headphones by yourself is worth it.

Your excess can be found in your Policy Excess documents.

The cost of your insurance will depend on a number of factors, but most important is the age and purchase cost of the device. A brand-new, top-spec sat nav will cost more to insure than an older, worn model simply because it’s more expensive to replace or repair should the worst happen. When deciding to invest in insurance for your sat nav, it’s important to assess the risk and whether the cost of replacing your sat nav by yourself is worth it.

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.

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 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.

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.

Generally, if you want to cancel your computer insurance, you’ll need to contact your provider and let them know that you wish to discontinue the service. 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 is 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.

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.

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.

Please email our Customer Support on support@loveitcoverit.com with your policy number and the make and model of your new phone. We will then update your policy schedule.

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.

Yes, please contact us and we can then send out an updated policy schedule for your own records.

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.

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.

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.

While it uses the same software as more advanced models, the XR does have some design changes which make it cheaper. This includes the single rear-facing camera, the LED display, and the reduced pixel density – it’s still a top-tier smartphone, just without some of the features that force the price up.

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.

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.

To take out a policy for yourself you must be 18 years old or over and a UK resident. If you are under 18 years old, then a consenting family member can take out the policy on your behalf.

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.

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.

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.

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

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”

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.

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.

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.

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.

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.

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.

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.

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.

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.

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

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.

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

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

The iPhone X, XS and XS Max all have a dual 12-megapixel, rear-facing camera, as well as a 7-megapixel front-facing camera. This effectively means that all of the cameras are of equal quality. However, the XS and XS Max do have an upgraded processor, which means that they can process photos and videos faster than previous models.

The new iPhone XS Max has the biggest screen of all the iPhone model, with a 6.5-inch OLED display. A close runner-up is the iPhone 8 Plus with a 6.2-inch display.

According to Apple, every iPhone from the 7 up is water- and splash-resistant to a degree, though the ratings for each model do differ. The iPhone 7, 7 Plus, 8, 8 Plus, and X all have a rating of 7 out of 9, which means they can, theoretically, be submerged in 1 metre of water for 30 minutes without damage. The iPhone XS and XS Max have a rating of 8 out of 9, meaning that they can survive in 2 metres of water for the same time. It’s important to note that these ratings are achieved in laboratory conditions, so the best thing to do is avoid putting you iPhone near water altogether!

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.

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 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.

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

We will appear as Pier Insurance on all banking statements.

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 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.

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