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.
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!
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.
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.
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.
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.
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.
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.
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).
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.
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.”
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.
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 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.
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*
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 refers to failure of internal mechanical components of the device, such as the battery, buttons, or ports outside of manufacturer warranty.
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 to a mobile phone refers to accidental harm caused by exposure to liquid like water, coffee, etc. Resulting from a dropped phone or spills.