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Mobile Phone insurance

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

1 Million+

Policies sold

30+ Years

Industry experience


Feefo rating

4.8 / 5

Trustpilot score
Authorised by the Financial Conduct Authority
loveit coverit
Mobile Phone insurance

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

1 Million+

Policies sold

4.8 / 5

Trustpilot score
Authorised by the Financial Conduct Authority

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 gadget 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.

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. 

Other cover options

Family cover for mobile phone insurance is a type of insurance policy that provides cover for multiple mobile devices belonging to members of a single household.
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.

How do I find my IMEI for an insurance claim?

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

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

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

Frequently asked questions

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.

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.
How to find your IMEI number on Android