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Mobile Phone insurance

Comprehensive insurance for all mobile phone models at great prices, with award winning in-house customer care.

loveit coverit
Mobile Phone insurance

Comprehensive insurance for all mobile phone models at great prices, with award winning in-house customer care.

What is Mobile Phone Insurance?

If you have mobile phone insurance you can claim back money to cover the cost of a repair or get a new one, if your phone gets into trouble: if it’s lost, accidentally damaged, or stolen, for example.

Mobile phone insurance differs from a phone manufacturer’s warranty, which is typically time-restricted to 12 months or so, and only covers damage that wasn’t your fault. Phone insurance, on the other hand, lasts as long as you pay for your plan, and protects against much more than a warranty.

Typically, if you want to make a mobile phone insurance claim, you will have to pay a small excess fee before sending off the phone to be repaired. If it’s being replaced, it will be replaced and sent to you.

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Do I need mobile phone insurance?

In an era where smartphones have become indispensable, mobile phone insurance is a necessity. It shields your device from accidental damage like drops, spills, and cracked screens. Theft, loss, and unexpected malfunctions are also covered. With worldwide coverage options, you can travel with peace of mind. Mobile phone insurance offers excellent value compared to expensive repairs or replacements. At loveit coverit, we provide tailored and affordable insurance plans to protect your smartphone investment. Don’t wait until it’s too late – ensure your device and enjoy a worry-free experience!

How much does mobile phone insurance cost in the UK?

When it comes to mobile phone insurance in the UK, the cost varies depending on factors such as the make, model, and value of your device. For instance, the starting price for the cheapest phone insurance can be as low as £1.65, as seen with the Galaxy M13 128GB. On the other hand, insurance for other popular models, like the iPhone SE (2020) 64GB or the Google Pixel 4a 128GB, may start at around £4.89 and £4.20, respectively. Prices may also vary based on the insurance provider and the level of coverage you choose. At loveit coverit, we offer competitive and tailored insurance plans to protect your mobile phone investment. Contact us today for a personalized quote and enjoy peace of mind with comprehensive coverage.

Can I get mobile phone insurance if my phone is already damaged?

If your phone is already damaged, you can still get mobile phone insurance. However, it’s important to note that insurance providers typically have certain conditions and limitations regarding pre-existing damage.

At loveit coverit, we understand that accidents happen, and we aim to provide coverage for a wide range of situations. While we may offer insurance for phones with existing damage, it’s essential to review the specific terms and conditions of our policy.

In some cases, insurance coverage for a phone with pre-existing damage might be subject to additional fees or exclusions. It’s crucial to be transparent about the condition of your device when purchasing insurance. This helps ensure that you receive accurate coverage and avoid any potential complications during the claims process.

To determine the best course of action and understand the options available to you, we recommend reaching out to our customer support team. Our knowledgeable representatives will guide you through the process, addressing any concerns and providing the necessary information regarding mobile phone insurance for a damaged device. Protecting your phone with insurance is still beneficial, even if it has existing damage. It can offer coverage for future accidents or incidents, giving you peace of mind moving forward. Contact us today to discuss your specific situation and find the right insurance solution for your needs.

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Mobile Phone Insurance Excess

As one of the leading providers of mobile phone insurance in the UK, mobile phone insurance excess is something we’ve put a lot of time and consideration into to ensure our phone insurance products are not only fair and easy to understand, but also affordable and make sense in the real world. Below we will explain a little more about excess and break down how excess works for our customers.

What is Mobile Phone Insurance Excess?

When you make a claim on your mobile phone insurance policy, the excess is the amount of money you have to pay towards the cost of the claim. In simpler terms, it’s like a contribution you make when seeking compensation for a damaged or lost phone.

How does Excess Work?

Let’s say your mobile phone is stolen, and the replacement cost is £500. If your insurance policy has an excess of £50, you would need to pay £50 towards the claim, and the insurer would cover the remaining £450.

Understanding Excess in Insurance Policy Terms

When considering mobile phone insurance, it’s crucial to review the policy terms and conditions carefully. Look for any excess details and ensure you understand them fully. Different insurers may have variations in how they define and apply excess.

Is it Worth Paying Excess for Mobile Phone Insurance?

The decision to pay excess depends on your individual circumstances. If the cost of your claim is close to or lower than the excess amount, it may not be worth making a claim, as you would essentially cover the majority of the cost yourself. On the other hand, if the claim cost significantly exceeds the excess, it may be worthwhile to proceed with a claim.

Keep in mind that making multiple claims within a short period could affect your ability to obtain future insurance coverage, as insurers may consider you a higher-risk customer. This is true for all types of insurance (car insurance being a great example).

A Summary of Mobile Phone Insurance Excess

Understanding mobile phone insurance excess is crucial to make informed decisions about your coverage. Take the time to review the excess amounts and policy terms before purchasing insurance. Assess the value of your phone, the likelihood of a claim, and consider whether a higher voluntary excess is worth the potential savings on premiums. Remember, seeking advice from an independent financial advisor or comparing multiple insurance options can help you make the best choice for your mobile phone insurance needs.

Our Mobile phone insurance reviews

If you’re looking for a great mobile phone insurance product, reviews can be a great source of reassurance that you’re on the right track. We’re very open with our review platforms and actively encourage our customers to provide honest feedback about our mobile phone insurance products. Heres a few of our latest detailed reviews to give you an idea of our customer experience and feedback, please take a look for yourself at loveit coverit on Trustpilot or Google to see more.

“Outstanding customer service. Guys that is how its done. From the get go communication was just amazing. They actually take the time to call you to assist you don’t even have to ask. Super clear instructions really helpful and friendly and in the end a super fast turn around. Dropped my phone yesterday morning and smashed my screen completely today its been repaired on my doorstep. Next level. Massive thank you to Stuart and the rest of the team. Very happy with this service!!”

“Excellent Service and Lightning-Fast Process! I recently had to make a claim after my phone got stolen, From start to finish, the entire process was incredibly quick and hassle-free. Billy wasted no time in processing my claim and sending the replacement. The efficiency and speed with which he handled everything was truly remarkable. The communication throughout the process was outstanding. I was regularly updated on the status of my claim, ensuring I was always in the loop. Their customer support team was responsive and helpful, promptly addressing any questions or concerns I had. I got my replacement phone within 48 hours after making the claim.”

“Some years ago I decided to use Loveitcoverit and have received an excellent service. When it comes time to up-grade, which I feel we all do from time to time, the process is straight forward and the team are there to assist you if needed. A good investment in needed secure cover today!”

“Quick response times, great customer service. I have been using this insurance company for around 4 years now and have not had any issues – I like that you get a loyalty discount each time. I have not made any claims so unsure how those would be handled.”

Why insure your phone with loveit coverit?

Over 30 years providing phone insurance

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. We cover all brands from iPhone insurance to Samsung Galaxy Insurance.

All claims handled by our in-house team

We’re always happy to help and we’re proud to offer an end-to-end mobile insurance service. All repairs and replacements are issued from our own technicians and supported by our friendly, UK-based customer care team.

No minimum phone insurance contract

We won’t tie you down with a 12 or 18-month contract unlike other insurance providers. With loveit coverit’s rolling contracts your policy is flexible and can be cancelled at any time, subject to terms and conditions.

Our 14-day money back guarantee

Provided you haven’t made a claim on your policy, you’ll receive a full refund if you cancel your mobile phone insurance policy within 14 days of the policy start date with the loveit coverit 14-day money back guarantee.

Insure more than one device, save 10%

More gadgets? More savings! Insure multiple devices with loveit coverit and get 10% off. Including phones, tablets, watches, laptops, headphones, cameras, and games consoles, just add more than one device at checkout.

Unlimited phone insurance claims + repairs

Many of our competitors only allow one or two claims each year. With loveit coverit, there’s no limit on the number of phone insurance claims you can make, regardless of whether it’s a claim for accidental damage, theft, or loss.

Mobile Phone insurance explained

At loveit coverit, we offer specialist mobile insurance policies to cover all your favourite devices – no matter the make or model. Our cover comes in two levels, Essential and Premium, so that you can find a policy that suits you.

Mobile phone loss refers to the absence of your mobile device due to misplacement, or other accidental circumstances that result in its absence.


Mobile phone theft insurance means you can be protected against unauthorised usage and receive a replacement device if your phone is stolen.

Accidental damage

Unexpected and unintentional physical harm to a mobile device, such as a cracked screen or liquid damage. Which is not covered under warranty.

Airtime abuse

Airtime abuse can occur when a phone is lost or stolen, and refers to the unauthorised excessive use such as making calls, sending messages, or using data.

Accessory cover

Should something happen to your mobile phone, we’ll also cover any accessories attached to it worth up to £175 such as a case, charger or wired headphones*

Worldwide cover

Your phone will be insured within the UK, Northern Ireland, Isle of Man, Channel Islands and the Republic of Ireland and unlimited cover for one year worldwide.

Mechanical breakdown

Mechanical breakdown refers to failure of internal mechanical components of the device, such as the battery, buttons, or ports outside of manufacturer warranty.

Cracked screen

A cracked screen can affect the functionality of a phone whether it’s a slight crack or a full-blown smash, we’ll get your device’s display back in working order.

Liquid damage

Liquid damage to a mobile phone refers to accidental harm caused by exposure to liquid like water, coffee, etc. Resulting from a dropped phone or spills.

Other phone insurance cover options

Family mobile phone insurance is a type of insurance policy that provides cover for multiple mobile devices belonging to members of a single household, multiple devices on the same policy are also elidgable for a 10% discount.
Student cover relates to protect the devices you depend on whilst being a student with our simple and affordable mobile phone insurance.
Business mobile phone insurance refers to insurance coverage specifically designed for businesses to protect their mobile devices, such as smartphones and tablets.
10% discount - when you insure more than one device

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Frequently asked questions

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

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!

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.

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

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.

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

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

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.

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.

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.

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.
Last modified: 13th October 2023
Author: Jonathan Owen
Last modified: 13th October 2023

Author: Jonathan Owen