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
5-Star

Defaqto 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 claim.
12-month warranty on replacements
We offer a hassle-free 12-month warranty on all replacement devices.
Mobile phone insurance - loveit coverit

Mobile phone insurance, from a company you can trust

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

What's included?:

Theft Cover

Cracked Screen Cover

Accidental Damage

Liquid Damage

Worldwide Cover

Accessory Cover

*Inclusion is dependent on the chosen level of cover.

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.

Our Cover

Accidental Damage
Accidents happen. So why not give yourself peace of mind when purchasing a policy and opt for our comprehensive cover.
Liquid Damage
We will repair or replace your phone should it meet a watery demise.
Cracked Screen
Whether it’s a crack or a smash, we’ll get your device back in working order.
Loss
Protect your phone against loss with our added level of protection.
Theft
Receive a replacement device and protection against unauthorised usage when your phone is stolen.
Accessory Cover
Should something happen to your phone, we’ll also cover any accessories attached to it up to £175.
Mechanical Breakdown
Enjoy cover if your smartphone experiences an electrical or mechanical fault outside of warranty.
Worldwide Cover
Take your insurance worldwide and keep your devices safe and sound.
Airtime Abuse
Protect yourself against phone usage after theft. We’ll cover the cost of any unauthorised calls (up to £10,000) made following the incident.
You can protect your whole family's gadgets and save money using our multi gadget insurance plan.
Protect the devices you depend on with our simple and affordable gadget insurance.
Quick, reliable and affordable policies to insure your businesses' devices.

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.
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.
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.
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.
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.

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