- 1 million devices insured
- In-house customer care team
- 5-Star Defaqto & 8.8 Rating on Trustpilot
- 30 years’ experience
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:
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.
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.
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.
Our Premium policies protect you against theft, accidental damage – including mechanical breakdown, screen damage, and liquid damage – and loss as standard. 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.
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.
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.
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.
Please check through both the Policy Excess, and Key Exclusions and Limitations to check for what is not covered by your policy.
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).
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).
We're a trusted, specialist provider of mobile phone and tablet insurance policies direct to the consumer. loveit coverit is part of Pier Insurance Managed Services Ltd, Evolution House, New Garrison Road, Shoeburyness, Essex, SS3 9BF.
Pier Insurance Managed Services Ltd is authorised and regulated by the Financial Conduct Authority. FCA registration no. 311798.
Your excess can be found in your Policy Excess documents.
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 48 hours of a claim being approved.
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.
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.
Yes! Please call us on 01702 568081 or email us at email@example.com and we will be happy to help.
It is possible for parents to insure their children’s phone on their behalf. The cover of your device 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.
The insurance is arranged by Pier Insurance Managed Services Limited and Underwritten by Inter Partner Assistance SA (IPA) which is fully owned by the AXA Partners Group.
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.
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.
We’ve all felt the frustration of a slow desktop; the silent rage that the loading circle induces. But the same can happen with your smartphone. They are essentially miniature computers so it makes sense that they will in time slow down in terms of performance. Luckily, there are ways to speed up your smartphone.
We’ve all felt the frustration of a slow desktop; the silent rage that the loading circle induces. But the same can happen with your smartphone. They are essentially miniature computers so it makes sense that they will in time slow down in terms of performance. Luckily, there are ways to speed up your smartphone:
Your phone only has a certain amount of RAM, and just as your computer suffers when you have too many browser tabs open, your phone is likely to run slower if you have too many simultaneous tasks. If your phone is taking its time to respond, it’s worth checking you don’t have multiple programs running in the background.
Clear your cache
When you run an app on an Android phone, it temporarily stores data in your phone’s system memory. Clearing the cache manually allows you to free up memory and help things run a little faster. To clear the cache of individual apps, go to Settings, Apps and select the app. If you have lots, it might be worth downloading a third party app like Cache Cleaner which will get the job done quicker.
Take a look at your SD card
It could be what’s making your smartphone run more slowly than it should. Backing your card, formatting it and then putting your files back into place could make a big difference to your device.
Delete old photos and apps
Photos and apps, as well as videos, music and messages, take up space on your phone’s internal storage. Just as your car starts to feel the weight when your boot is filled to the brim, your phone will run faster if you get rid of some of the clutter. Chances are there is loads on your phone you’d forgotten even existed!