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


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!


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:


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

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.

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