Mobile Phone insurance

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

1 Million+

Gadgets insured
30 Years

Industry experience

Feefo rating
4.8 / 5

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

Comprehensive insurance for all mobile phone models 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 mobile phone insurance claim.
12-month warranty on replacements
We offer a hassle-free 12-month warranty on all replacement mobile phones.

What is phone insurance?

If you have phone insurance on your mobile, 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 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.

Have a question about our phone insurance policies? Contact our helpful team today. To get a quote, use the simple tool above. 

Is it worth having mobile phone insurance?

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. 

What does phone insurance cover?

To keep your phone protected from whatever life throws its way, your mobile insurance will cover a wide range of happenings. That way, you can tap and snap away on your smartphone without having to worry about the cost of something going wrong. Our phone insurance policies can cover:

Accidental damage
Liquid damage
Cracked screen
Unauthorised calls up to £10,000
Accessories up to £175
Mechanical breakdown
Worldwide cover

We also offer

Unlimited claims
In-house customer service team
12-month warranty on replacements

How much does phone insurance cost?

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!

10% discount - when you insure more than one device

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.
Accidental damage
Accidents happen. So why not give yourself peace of mind when purchasing a phone insurance policy and opt for our comprehensive cover.
Liquid damage
We will repair or replace your phone should it fall into a puddle (or the loo!)
Cracked screen
Whether it’s a slight crack or a full-blown smash, we’ll get your device’s display back in working order.
Protect your phone against loss with our added level of protection provided by our Premium mobile insurance policies.
Be protected against unauthorised usage and receive a replacement device if your phone is stolen.
Accessory cover
Should something happen to your phone, we’ll also cover any accessories attached to it worth up to £175.
Mechanical breakdown
Enjoy phone insurance cover if your smartphone experiences an electrical or mechanical fault outside of warranty.
Worldwide Cover
Take your mobile insurance worldwide and keep your devices safe and sound wherever you visit.
Airtime abuse
Protect yourself against someone else using your phone. We’ll cover the cost of up to £10,000’ worth of unauthorised calls.
You can protect your whole family's gadgets and save money using our multi-mobile insurance plan.
Protect the devices you depend on with our simple and affordable mobile phone insurance.
Quick, reliable, and affordable phone insurance policies to insure your business' devices.

How often are phone insurance payments?

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.

What’s the excess on mobile phone insurance?

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

How does the age of the phone affect the cost of mobile insurance?

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.

Are there exclusions on loveit coverit phone insurance?

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

Frequently asked questions

Can you cancel your phone insurance after a claim?

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.

Does my home insurance cover my phone?

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

How do I get my mobile insured?

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.

How quickly will I get my replacement phone after I claim?

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.

What replacement phone will I receive? Will it be the same?

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.

Is there a minimum or maximum cover period?

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.

Does my device have to be genuine?

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.

Do you cover refurbished phones?

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.

Can insurance companies check my records or data?

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.

Can you insure a contract phone?

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.

Who provides the insurance?

loveit coverit insurance is arranged by Pier Insurance Managed Services Limited, which is authorised and regulated by the Financial Conduct Authority under Firm Register number 331798.

Our policies are 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.

Why insure your phone with loveit coverit?

Providing phone 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.
In partnership with leading insurer AXA
Our comprehensive and affordable phone insurance policies are backed by global insurance provider AXA. Together, we offer customers high-quality, high-value protection for their devices.
All claims handled by our in-house team
We're always happy to help and we’re incredibly 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. With loveit coverit your policy is flexible and can be cancelled at any time, subject to terms and conditions.
14-day money back guarantee
Provided you haven't made a claim, you'll receive a full refund if you cancel your mobile phone insurance policy within 14 days of the policy start date.
Unlimited phone insurance 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 phone insurance claims you can make, regardless of whether it's a claim for accidental damage, theft, or loss.