What’s covered with mobile phone insurance?

Phone News
Avator By Jonathan Owen
Marketing Manager
Published 9th July 2018
Last modified 4th August 2023
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In today’s world, our mobile phones have become indispensable, making it crucial to protect them from potential risks and unforeseen events. With our comprehensive phone insurance coverage, you can have peace of mind knowing that your device is protected against a range of unfortunate incidents. This article explores the key aspects of our mobile phone insurance policies, including accidental damage, liquid damage, mechanical breakdown, worldwide cover, theft, loss, and airtime abuse. By understanding the coverage offered, you can make an informed decision to ensure the long-term security of your valuable mobile phone.



Accidental Damage

Accidental Damage coverage in our phone insurance provides valuable protection against unexpected and unintentional physical harm to a mobile device, such as a cracked screen or liquid damage. Which is not covered under warranty.



Liquid Damage

Liquid damage to a mobile phone occurs when the device is accidentally exposed to liquids such as water, coffee, and other substances. This damage can happen due to incidents like dropping the phone or accidental spills.



Mechanical breakdown

Mechanical breakdown refers to the failure of internal mechanical components in a device, such as the battery, buttons, or ports, beyond the coverage provided by the manufacturer’s warranty. This can include issues that arise due to normal wear and tear or unforeseen malfunctions.



Worldwide Cover

Your phone will be covered by insurance within the United Kingdom, including Northern Ireland, the Isle of Man, the Channel Islands, and the Republic of Ireland. Additionally, you’ll receive unlimited coverage for one year worldwide, ensuring protection for your device no matter where you travel.




Mobile phone theft insurance provides you with protection against unauthorised usage and ensures that you receive a replacement device if your phone is stolen. This coverage protects you from the financial and logistical consequences of phone theft, offering peace of mind in such unfortunate events.




Mobile phone loss refers to the situation when your mobile device is no longer in your possession due to accidental circumstances like misplacement or other unforeseen events that result in its absence. This could include instances where you are unable to locate your phone or when it goes missing due to accidental circumstances beyond your control.


Airtime abuse

Airtime abuse

Airtime abuse arises when a phone is lost or stolen, resulting in unauthorised and excessive use such as making calls, sending messages, or utilising data services without proper consent. This form of misuse can lead to unexpected charges and financial implications for the owner of the phone.


Accessory cover

Accessory cover

In the event of any incident affecting your mobile phone, we also provide coverage for attached accessories valued up to £175. This includes accessories like cases, chargers, or wired headphones*. Rest assured that your valuable accessories will be protected along with your mobile phone.

With our comprehensive mobile phone insurance coverage, you can safeguard your device against accidental damage, liquid damage, theft, loss, and airtime abuse. By investing in our insurance, you can enjoy peace of mind, knowing that your valuable mobile phone investment is protected from a range of unforeseen events. Don’t wait until it’s too late—secure your device and embrace worry-free experiences with our reliable insurance coverage.