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 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.
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.