Best Mobile Phone Insurance
Marvin's run down of the UK's best mobile phone insurance providers this year - and what to look out for when buying mobile phone insurance
When hunting for the perfect mobile phone insurance, knowing where to begin can be tough. To help, we've compiled the top insurance providers in the UK that you should include in your search.
Top 15 Mobile Phone Insurance 2023
- So-Sure – from just £1.75 per month
- CoverForYou.com – 5-star rated cover from £6.09 per month
- Gadget Cover – get up to £9.60 cashback at Quidco
- Protect Your Bubble – get up to £7.60 cashback at Quidco
- Endsleigh
- Simplesurance
- Love It Cover It
- Arma Karma
- Mobile Phone Insurance Direct
- AppleCare+ (for iPhones)
- Samsung Care Plus (for Samsung devices)
- EE
- O2
- Three
- Vodafone
Now that you have a starting point, allow me to guide you through some considerations and insider tips when picking the mobile insurance that best meets your needs.
Breaking Down the Mobile Phone Insurance Must-Haves
You've invested in a shiny new phone, and the last thing you want is for any harm to come to your prized possession. But accidents happen, and mobile phone insurance can be your knight in shining armour.
Here are key features to look out for in a mobile insurance policy:
- Accidental Damage Cover: Whether it's a drop, bang or spill, make sure your policy covers the repair costs for accidental damage.
- Loss and Theft Protection: Minimise the impact of losing your phone, with cover that replaces your device if it's lost or stolen.
- Worldwide Cover: Your phone is your trusty travel buddy, so insurance that covers you abroad should be on your radar.
- E-Wallet Cover: With more people embracing mobile banking and contactless payments, insuring your digital wallet could be a wise investment.
- Customizable Excess Fees: Some providers give you the option to adjust your excess fees, providing flexibility on how much you'd pay when making a claim.
Top Tips for Choosing the Perfect Mobile Insurance
Check Existing Cover: If you have home insurance or a packaged bank account, your phone might already be covered. Always check first, before paying extra for standalone mobile insurance.
Be Mindful of Age and Purchase Requirements: Many insurers require your device to be bought recently from a UK VAT registered company. Read the small print to avoid disappointment.
Shop Around and Compare: While our list of top providers is a great starting point, always compare multiple insurance quotes to strike the best deal. Remember to weigh the pros, cons, and your priorities to make a savvy decision.
Multi-Device Policies for the Family: An excellent way to save on cover is to pool your family's devices under one multi-device policy. Some bank accounts can offer a family mobile plan starting from £150/year.
Weigh the Timeliness of a Replacement: A swift replacement of your phone might seem irresistible, but fast replacement options often come with higher premiums. Be sure to consider if it's worth the extra cost.
Treat Your Data Like Gold: Your phone insurance will protect your device's hardware, but the responsibility of protecting your data lies with you. Regularly back up your phone's data for peace of mind.
In conclusion, with so many mobile insurance providers and options in the UK market, there's no denying the importance of doing your due diligence. By considering the must-haves of phone insurance and applying our top tips, you'll be well on your way to finding the perfect policy that keeps your trusty phone safe and sound. Happy hunting!