Compare mobile phone insurance

If you own a smartphone, we’re sure you’ve asked yourself, ‘do I really need phone insurance?’ or 'is phone insurance worth it?', at least once. You may be wondering if you are already covered by your network provider, bank or home insurance. No matter how careful we are with our phones, they tend to come into misfortune sooner or later. Whether we smash our phone screen, or even worse drop it in the bath and render our phone beyond repair, it’s always an unwelcome surprise. These are just some of the most common claims regarding mobile phone insurance.

In this post, we compare mobile phone insurance across the board, so you can choose the best cover for you.

10% discount - when you insure more than one device

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Loss

When it comes to losing your phone, various insurers offer different ways to compensate: standard contents and home insurance usually only replace your phone if it was lost in a home burglary or a house fire. Bank insurance can be handy if you wish to rely on one insurer for many areas, but often comes with an increased excess when making a loss claim- £100 per claim for an iPhone compared to £50-75 from a pure play provider. Mobile network providers do not often cover any unauthorised calls, texts or usage on a lost or stolen device. When purchasing insurance from a pure play provider, loss cover can usually be purchased in one of the more premium packages, so you can always trust that your phone will be replaced in a timely manner. We’ll send a replacement device out to you as soon as possible, meaning you won’t have to spend weeks without a phone!

Theft

When your phone gets stolen it can be a real nuisance to get everything sorted out, and receive a replacement handset. Home insurance will cover you as standard if your phone is stolen in a burglary, or damaged by fire, floods, or extreme weather. It does not unfortunately cover your phone if it is stolen walking down the street or out at a bar. To have this covered, you would have to take out additional personal-belongings cover as an extension to your home insurance and therefore at an additional cost. Usually, this is about £15 extra on top of your home insurance, costing more than mobile insurance, which you can purchase for less, directly from a pure play provider.

loveit coverit reviews

If you’ve decided to go for a specialist phone insurance provider, you may be trying to work out who exactly to go with. Naturally, we at loveit coverit believe we have the best phone insurance in the market, but below you can see exactly what customers think, based on their reviews: