Mobile Phone insurance

Comprehensive mobile phone insurance at great prices, with experienced in-house customer care.

1 Million+

Gadgets insured
30 Years

Industry experience

Defaqto rating
4.8 / 5

Trustpilot score
Authorised by the Financial Conduct Authority
In partnership with AXA
Mobile Phone insurance

Comprehensive mobile phone insurance at great prices, with experienced in-house customer care.

1 Million+

Gadgets insured
4.8 / 5

Trustpilot score
Authorised by the Financial Conduct Authority
Get an instant quote
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Unlimited claims and repairs
We provide unlimited repairs and replacements on all our mobile insurance policies.
In-house customer service team
We will never outsource your claim.
12-month warranty on replacements
We offer a hassle-free 12-month warranty on all replacement devices.
Mobile phone insurance - loveit coverit

Find cheap mobile phone insurance, from a company you can trust

Our specialist mobile insurance policies cover all your favourite devices from different manufacturers. We provide two levels of cover to choose from; Plus and Premium, allowing you to choose the policy that suits you.

Theft Cover is included in our policies.

Cracked Screen Cover is included with our Premium cover which means we'll repair or replace your screen and get your phone back to you as soon as possible.

Accident prone? Our Premium Cover includes Accidental Damage and Liquid Damage cover, just in case you drop, smash or flush your beloved device!

Our mobile insurance policies include Worldwide Cover as standard. Even your Accessories are included!

So if you'd like to insure your mobile phone, without breaking the bank, our mobile phone insurance cover is for you. With an affordable mobile insurance premium, you can save yourself hundreds in the cost of repair, should your device become damaged, lost or stolen.

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Our Cover

Accidental Damage
Accidents happen. But when they happen to your mobile phone, our comprehensive cover gives you peace of mind and financial reassurance.
Liquid Damage
Nothing attracts water quite like high-tech gadgets. We will repair or replace your mobile phone if it has suffered from any liquid damage.
Cracked Screen
Dropped or knocked your mobile and the screen is cracked or not working properly? Don't worry, we will get it repaired!
Prone to losing things? No matter what happens, our loss cover can provide that added level of protection.
We will replace your mobile phone if it is taken away from you. In addition we also cover unauthorised calls, messages and downloads when your device is taken from you.
Accessory Cover
If your phone gets lost, damaged or stolen and has any accessories attached to it -we will cover them (up to £175) so you can continue enjoying your phone and the accessories when they are returned to you.
Mechanical Breakdown
We'll cover your smartphone if an electrical or mechanical fault occurs outside of its warranty period.
Worldwide Cover
We know you love to take your devices with you wherever you go, so if that's abroad, you'll be pleased to know our insurance includes unlimited worldwide cover.
Airtime Abuse
Airtime abuse can be a concern if your device gets stolen. The best mobile phone insurance covers the cost of unauthorised calls made following the theft of your phone.

Whatever your phone, we can cover it

We cover all the popular manufacturers including Apple, Samsung, Sony and Google as well as some of the less common such as Getac and Sonim and everything in between.

We offer great prices on the latest models such as iPhone 12, iPhone 12 Pro, iPhone 11 Pro, Samsung Galaxy Note 20 and Samsung S20.

We also cover older mobiles so your phone doesn't need to be brand new. As long as it's less than 3 years old, but was bought as new, we can offer you cover.

Select your device and get an instant quote.

If you can't see it listed give email us at

Why insure your phone with loveit coverit?

Providing gadget insurance for almost 30 years
We've been in the insurance industry since mobile phones were the size of bricks, so you can trust your device in the hands of an experienced company. As a specialist gadget insurer, we pride ourselves on offering a comprehensive service at competitive prices.
In partnership with leading insurer AXA
Our comprehensive and affordable policies are backed by global insurance provider AXA, together offering customers high-quality and high-value protection for their devices
All claims handled by our in-house team
We're always happy to help, and incredibly proud to offer an end-to-end service. All repairs and replacements are issued from our own repairers, supported by our friendly UK-based customer care team. What's more, we're fully regulated by the FCA.
No minimum contract
We won't tie you down with a 12 or 18-month contract. With loveit coverit your policy is flexible and can be cancelled at any time, subject to terms and conditions. You'll still enjoy the full benefits of your chosen policy plan, with no hidden surprises.
14-day money back guarantee
Provided you haven't made a claim, you'll receive a full refund if you cancel your policy within 14 days of policy the start date. Our comprehensive service includes a two-week grace period, so you won't be out of pocket if you change your mind.
Unlimited claims and repairs
Many of our competitors only allow you to make one or two claims each year. With loveit coverit, there's no limit on the number of claims, regardless of whether it's an accidental damage, theft, or loss claim. No matter what happens, we've got you covered.

Mobile phone cover from loveit coverit

Say goodbye to impersonal and complicated mobile phone insurance policies, because here at loveit coverit we offer comprehensive packages at fantastic prices. It's unbearable to consider, but your mobile phone could be lost, stolen or damaged at any time. It may be taken from your back pocket, smashed on a pavement or dropped down the loo – it is all too easy for your beloved mobile to come into harm's way. If the thought of losing your phone has you breaking out into a cold sweat, there's no need to panic! loveit coverit are here to provide the best mobile phone insurance for you. We offer simple, affordable, no-nonsense insurance policies to suit you and your device.

We know that mobile insurance is nothing to get too excited about. But here at loveit coverit, our goal is to give our customers the warm, fuzzy, comfort that comes with knowing your devices are protected. We wanted to create even more credibility for our brand, as well as adding better protection for our product, which is why we're partnered with AXA.

We are the gadget insurer that truly loves your phone, which is why we are dedicated to delivering an insurance policy that gives you complete piece of mind. With loveit coverit, you choose cover to suit you and we deal with the rest.

We have been insuring mobiles since 1989, so when it comes to insurance – we really know our stuff! We're always comparing our policies to other mobile phone insurance providers across the market, to check our policies comprehensive and well priced. We truly understand the frustration, inconvenience and devastation that comes with losing or damaging your phone. But with our policies, you can breathe a sigh of relief knowing that you are covered by an insurance company that cares completely.

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10% discount - when you insure more than one device

Why should you get covered?

Despite having helped over 1 million customers get affordable, comprehensive cover for the devices they love, a lot of people still have questions regarding phone insurance. To make sure you’re in the know, we’ve responded to these questions with frank, informative answers:

How does it all work?

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

Can you cancel your policy after a claim?

Once you’ve made a successful claim and received a replacement device, you’re more than welcome to cancel a 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.

Are mobile phones covered under home insurance?

Unless specifically stated otherwise, your mobile phone will be cover 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 phone 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 cover.

What does the policy cover?

Our Premium policies protect you against theft, accidental damage – including mechanical breakdown, screen damage, and liquid damage – and loss. As part of this package you’ll also be able to claim for £10,000 worth of unauthorised calls and £150 of accessories. This insurance policy also covers you worldwide, so not matter where you are, you’ll be able to claim.

How much does it cost to insure a phone?

It depends on the make and model of your phone. 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 £14.99 a month for Premium monthly insurance.

How do I get my mobile insured?

Once you’ve found a phone insurer that works for you, at the right price, all you have to do is fill in a simple online form about your device and set up a payment plan – it’s that easy! For devices that don’t appear on the website – that may be older or unique – all you have to do is ring up the insurance company and tell them about your device. Once that’s done, they’ll be able to tell you if your device is eligible for cover.

Can insurance companies check my records/data?

In order to protect your privacy, all phone data is wiped once it is sent to our repair centre. 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, however, these should not interfere with any data on the device.

Frequently asked questions

Who provides the insurance?

The insurance is arranged by Pier Insurance Managed Services Limited and is authorised and regulated by the Financial Conduct Authority under Firm Register number 311798.

This policy is underwritten by Inter Partner Assistance SA (IPA) which is fully owned by the AXA Partners Group. The Inter Partner Assistance SA Financial Conduct Authority register number is 202664.

Who are loveit coverit?

Working in partnership with AXA 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.

If I make a claim, when will I receive my replacement mobile phone or tablet?

We understand that speed is of the essence when you are without your mobile phone or tablet. For that reason, we aim to have a replacement device in your hands within 24 to 48 hours of a claim being approved.

Will my replacement mobile phone or tablet be the same model as the one I had?

Once the claim has been agreed, we will try our hardest to replace your cherished device with the same make, model and colour, and send it to you as quickly as possible. If your device is no longer manufactured, we will provide the nearest comparable model in a speedy and efficient fashion.

Will my replacement mobile phone or tablet be brand new?

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.

Is there a minimum and maximum period of cover?

There is no minimum period of cover. However, when you purchase annual cover we will contact you approximately two weeks before your renewal date and offer to renew the policy. If you do not tell us that you wish to cancel your policy, we will automatically process your renewal.

Can I insure an old device?

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).

Can I insure non-genuine devices?

No. Non-genuine devices are not covered by our policies. However, we do provide cover for refurbished devices that come with a manufacturer’s warranty or the original proof of purchase (if the device was bought second-hand).

How much is my excess?

Your excess can be found in your Policy Excess documents.

Why do I have to pay an excess?

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.

Is there an age limit to insure a device?

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.

Who takes the money from my account or credit card?

We will appear as Pier Insurance on all banking statements.

Who does my policy cover?

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.

My question has not been answered by the FAQs. Is there someone at the end of the phone who I can ask?

Yes! Please email us at and we will be happy to help.

What’s not covered?

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

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