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

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. With loveit coverit, loss cover is included in our standard policy. 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:

 

Phone insurance providerTrustpilot scoreDefaqto 5-Star Rating
loveit coverit8.6/10Yes
Gadget Cover6.7/10Yes
So-sure7.5/10No
Insurance2go8.2/10Yes
Protect Your Bubble8.4/10No
Tinhat6.3/10No

 

loveit coverit reviews defaqto 5 star rating 2019

Why choose loveitcoverit

Providing gadget insurance for almost 30 years
No minimum contracts
Unlimited Worldwide Cover
1 month free on all annual policies
£10,000 Unauthorised Usage Cover
All claims handled in-house
Trustpilot

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