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Specialist Mobile Phone
and Gadget
insurance

Protecting you and the things you love for more than 30 years.

1 Million+

Gadgets insured
30 Years

Industry experience
5-Star

Defaqto rating
4.8 / 5

Trustpilot score
Authorised by the Financial Conduct Authority
In partnership with AXA
Specialist Mobile Phone
and Gadget
insurance

Protecting you and the things you love for more than 30 years.

1 Million+

Gadgets insured
4.8 / 5

Trustpilot score
Authorised by the Financial Conduct Authority
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Unlimited claims and repairs
We provide unlimited repairs and replacements on all our insurance policies.
In-house customer service team
We will never outsource your claim.
12-month warranty on replacements
We offer a hassle-free 12-month warranty on all replacement devices.

Quality cover, from a company you can trust

Here are just some of the benefits you’ll receive when you insure your mobile phone with loveit coverit:

Cracked Screen cover – we’ll repair or replace your screen with a brand new one.

Liquid Damage cover – in case your mobile phone decides to take a swim.

Theft and Loss Cover – should the worst happen, we’ll send you a replacement device.

With almost 30 years of knowledge and expertise, our policies are designed to maximise protection for your device.

Our Cover

Accidental Damage
Accidents happen. But when they happen to your mobile phone, our comprehensive cover gives you peace of mind and financial reassurance.
Liquid Damage
Nothing attracts water quite like high-tech gadgets. Protect your device against liquid damage and we’ll get it repaired or replaced.
Cracked Screen
Dropped or knocked your device and the screen is cracked or not working properly? Don’t worry, we will get it repaired!
Loss
Prone to losing things? Our loss cover can provide that added level of protection.
Theft
We offer a replacement device and cover for unauthorised calls when your device is taken from you.
Accessory Cover
We can help you protect the accessories that allow you to enjoy your device - like headphones, chargers and cases - if they get damaged or stolen.
Mechanical Breakdown
We’ll cover your smartphone if an electrical or mechanical fault occurs outside of its warranty period.
Worldwide Cover
We know you love to take your devices with you wherever you go, so if that’s abroad, you’ll be pleased to know our insurance includes unlimited worldwide cover.
Airtime Abuse
Airtime abuse can be a concern if your device gets stolen. Our mobile phone insurance covers the cost of unauthorised calls made following the theft of your phone.

Mobile phone insurance from loveit coverit

Nowadays, our mobile phones are used for everything from storing photos to paying bills – so we understand that being without your device for any length of time is a major inconvenience. Luckily, loveit coverit is here to help.

We are proud to offer a range of specialist mobile phone insurance policies that are perfect for people who use their device every day. So, if you accidentally smash the screen or leave your mobile phone on the bus, you can trust loveit coverit to repair or replace your device as soon as possible.

We know that mobile insurance is nothing to get too excited about. But here at loveit coverit, our goal is to give our customers the warm, fuzzy, comfort that comes with knowing your devices are protected. We wanted to create even more credibility for our brand, as well as adding better protection for our product, which is why we’re partnered with AXA.

We are the gadget insurer that truly loves your phone, which is why we are dedicated to delivering an insurance policy that gives you complete piece of mind. With loveit coverit, you choose cover to suit you and we deal with the rest.


Providing a 5-star service as rated by Defaqto, we pride ourselves on simple, straightforward policies at great prices, with all claims handled by our in-house UK-based team. We have been insuring mobiles since 1989, so we’ve been there alongside the meteoric rise of mobile phones and smartphone technology. With our knowledge and expertise, we’re dedicated to delivering mobile phone insurance that gives you complete peace of mind.

We cover all the popular manufacturers including Apple, Samsung, Sony and Google as well as some of the less common such as Getac and Sonim and everything in between.

We offer great prices on the latest models such as iPhone 11, iPhone XR and Samsung S10.

We also cover older models so your phone doesn’t need to be brand new. As long as it's less than 3 years old, but was bought as new, we can offer you cover.

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10% discount - when you insure more than one device

Why choose loveit coverit

Providing gadget insurance for almost 30 years
In partnership with leading insurer AXA
All claims handled by our in-house team
No minimum contract
14-day money back guarantee
Unlimited claims and repairs

Frequently asked questions

Who provides the insurance?

loveit coverit insurance is arranged by Pier Insurance Managed Services Limited, which is authorised and regulated by the Financial Conduct Authority under Firm Register number 331798.

Our policies are underwritten by Inter Partner Assistance SA (IPA) which is fully owned by the AXA Partners Group. The Inter Partner Assistance SA Financial Conduct Authority register number is 202664.

Who are loveit coverit?

Working in partnership with AXA we are a trusted, specialist provider of mobile phone and tablet insurance policies direct to the consumer. loveit coverit is a trading style of Pier Insurance Managed Services Ltd.

Pier Insurance Managed Services Ltd is authorised and regulated by the Financial Conduct Authority. FCA registration no. 311798.

How quickly will I get my replacement phone after I claim?

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.

What replacement phone will I receive? Will it be the same?

Where possible, your replacement phone will be the same make, model, and colour as before. If this is not possible, or it’s no longer produced, we will provide a phone that’s as close as possible to the original in terms of value and features.

Your phone will either be brand new or refurbished as new – you won’t be able to recognise the difference though. It will also have a warranty.

Will my replacement mobile phone or tablet be brand new?

Your policy is not a ‘replacement as new’ policy so all mobile phone or tablet replacements may be either brand new or refreshed devices – all devices will also come with a warranty.

The quality of refreshed devices is so high you won’t be able to tell the difference compared to the new devices. Although standards are extremely high, please note that refreshed devices may hold some non-original parts.

Is there a minimum or maximum cover period?

No, there is no minimum or maximum period of cover. If you choose to pay annually, we will let you know your cover is coming to an end two weeks before the renewal date. If you don’t tell us otherwise, we will automatically renew your phone insurance policy.

Can I insure an old device?

Yes, but all mobile phones or tablets must be purchased from a VAT registered UK supplier within the last 36 months (from the policy start date).

Does my device have to be genuine?

We only offer mobile phone insurance cover for genuine devices. That means if you have a non-genuine device then we won’t be able to cover it.

How much is my excess?

Your excess can be found in your Policy Excess documents.

Why do I have to pay an excess?

Unlike other insurance providers, we do not increase our premiums after you make a claim. Therefore, we ask that you pay the compulsory excess so we can keep our prices low for you. In the meantime, you can trust that we will handle your claim promptly and professionally.

Is there an age limit to insure a device?

To take out a policy for yourself you must be 18 years old or over and a UK resident. If you are under 18 years old, then a consenting family member can take out the policy on your behalf.

Who takes the money from my account or credit card?

We will appear as Pier Insurance on all banking statements.

Who does my policy cover?

It is possible for parents to insure their children’s phone on their behalf. The cover of your gadget will apply to you as the person who purchased the policy and your immediate family. This includes your mother, father, son, daughter, husband, wife, partner, brother, sister, grandparent or grandchild that permanently lives at your given address.

My question has not been answered by the FAQs. Is there someone at the end of the phone who I can ask?

Yes! Please email us at support@loveitcoverit.com and we will be happy to help.

What’s not covered?

Please check through both the Policy Excess, and IPID (insurance product information document) to check for what is not covered by your policy.