Mobile Phone Insurance
Get iPhone & Samsung cover for less than £7/mth
Break it, lose it, have your mobile nicked, and it can cause tears. Insurers play on this fear with hefty prices and unnecessary cover.
Yet you can get cheap mobile phone insurance cover from under £7 a month, to protect the latest smartphones available – including the iPhone 8 (including the 8 Plus) or Samsung Galaxy S9.
It's the same for most of the iPhone family (iPhone 7, 6s or SE) and only slightly more if you have the iPhone X or XR. For Android users, no worries – you can get the same cover and premium for its extended family (incl Samsung S8, S7, S6 or Edge).
The big checks: Do you need mobile phone insurance?
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Are you a loser?
No insult intended, but it's important to understand mobile phone insurance isn't compulsory. Deciding whether to get a policy comes down to the fact that you know yourself better than insurers will. In particular, think about this:
How likely are you to lose or damage your phone?
If your mobile's been permanently clipped to your belt buckle for the last 10 years, the chances you'll lose or break it are slim. Alternatively, for social butterflies who don't know where they'll wake up, a broken or damaged phone (and a hangover) is par for the course.
Unlike most insurance, mobile cover doesn't usually increase with a history of loss or damage. So those who rarely have issues are cross-subsidising losers. If you've painful memories of the handsets you've lost, insurance is worth considering. If not, think about self-insuring and/or covering your phones on your home insurance.
Martin's a loser...
I may be good at saving money, but I'm scatterbrained with keys and phones, too often leaving them as I rush from one place to the other. While I try my best, the truth is I've had more than 10 phones lost, broken or nicked in the last decade. As I know I'm a loser, I know insurance is a good bet for me, as it costs less than repeatedly paying for a new phone.
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Can you self-insure?
Self-insuring simply means rather than paying for insurance, you put money aside each month into a top savings account. This way if you lose your phone, you've got cash to pay towards a replacement.
If not, the cash and the interest is yours rather than an insurer's. It's great for those who rarely lose or damage phones, though it isn't without its risks.
To find out how much you should be saving, either ask your contract provider how much it would charge for a replacement handset or research the costs of buying a new handset – you should get a rough idea from a website such as eBay* (see eBay Buying Secrets).
Quick questions
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Is it already covered by your home insurance?
Most standard contents insurance only covers phones if they're lost in a home burglary or house fire. But some include accidental damage cover, which lets you claim for phones damaged at home.
Also check for 'all risks' or 'personal possessions cover', which protects you against loss, theft or accidental damage when expensive items are taken outside the home. You'll usually pay about £25 to £50 a year on top of your annual premium for it.
That is the good news. The bad news is there is usually a higher excess which can range from £100 to as high as £500 per claim. This sometimes renders the cover worthless if you need to claim – as the excess is greater than the claim amount. Plus there's the fact that any claim usually leads to the insurer reducing any no-claims discount from your price at renewal. In effect, it could mean higher home insurance prices for up to five years following the claim – on top of the excess you had to pay.
So, if the mobile is an expensive model, claiming on your home insurance policy may be worth it. If you go for this option, always check the following:
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Does the age of the mobile phone matter?
Yes it does. Many mobile phone policies usually have a condition that you can only start cover within six months of purchasing a new mobile phone. If you purchased your mobile over six months ago, getting cover can be difficult though Gadget Cover* will accept mobiles up to 18 months after the purchase date.
You'll be able to let an existing policy renew each year but the age rule means you're probably stuck with that initial provider as your choice of mobile insurers reduces.
With the major network providers, you get less time to decide whether to go with their policies, with them either wanting to know immediately or up to 28 days from the date of purchase of the mobile phone.
An option if your mobile is over six months old and you cannot find a decent mobile phone insurance policy is to consider arranging cover via your home insurance policy and in particular the all risks or personal possessions section of the policy, which protects property outside your home. But do take into account a usually higher excess and the loss of any no-claims discount.
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Is it already covered by your bank account?
While most top bank accounts are free, if you have a paid-for top packaged bank accounts it can be worth it IF you use the products bundled with it. The big three 'freebies' are breakdown cover, travel insurance and mobile phone insurance.
However, if the only real bonus of the account is mobile phone insurance, compare the cost to getting insurance by itself. Some people pay more than £15 a month to cover a mobile when they could get it for £7.
If it's not worth it, ditch to a fee-free bank account, or compare top packaged bank accounts and cheap mobile insurance. However, it's worth noting...
If you have a joint account, it's likely to cover both partners' phones for one fee, so you can get 2for1 cover.
Most banks don't need you to register your phone to ensure it is insured though Barclays insist you tell it, by registering, to make sure cover kicks in.
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Speedy replacement crucial? Use your network's cover
All the mobile networks have their own insurance policies but it's usually not cheap so, in most cases it is best to avoid it. However, it's usually the quickest way to get a new phone with minimum hassle as they all send replacement handsets, rather than cash. So if you can't be without your phone it is worth considering.
Here's a summary of the cheapest policies from network providers which will cover you for losing the latest iPhone 8 64GB.
THE CHEAPEST NETWORK POLICIES TABLE_CELL_STYLE ANNUAL COST EXCESS REPLACEMENT PHONE SENT (1) UNAUTHORISED CALLS? WHEN MUST COVER BE ARRANGED Three £102 (2) £80 Next day No cover Point of phone purchase EE* £148 £100 Next day No cover No time restriction O2* £150 £70 3-5 days No cover Within 28 days of phone purchase Vodafone* £162 £79 Next day No cover Within 18 months of phone purchase (1) From date claim approved. (2) Excludes Loss or Theft.
Always try haggling at renewal to see if you can get the insurance thrown in free. See the Mobile Haggling guide.
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What does the policy protect you against?
Some policies cover you if you lose your phone or it's stolen but others only if it's stolen, so check the policy carefully to ensure you get what you need.
A mobile phone insurance policy would usually protect you in case your handset goes walkabout, against "liquid damage" (eg, you spill water on it), or it gets smashed or snatched.
Some policies will pay out for unauthorised calls (this is where a crook makes calls at your expense) and downloads.
But do note that insurers have been known to refuse to pay out for theft in certain circumstances, eg, if a phone is taken out of someone's pocket while at a busy gig, saying this doesn't count as no force was used.
Regulator the Financial Conduct Authority found in 2013 that many mobile phone insurance contracts had been mis-sold or complaints weren't dealt with in an acceptable manner – see the FCA crackdown guest comment. Many gadget insurance policies also offer to include a mobile but we think standalone insurance focusing on handsets represents better, more comprehensive, value.
All our top picks below have confirmed their policies would cover you for loss and theft, as long as you weren't careless and made reasonable attempts to recover the mobile.
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Best buys: Mobile phone insurance
If you've read what's above and you're sure you need cover, there's some good news. Unlike most other insurance, mobile phone cover doesn't depend on your gender, job, what you earn or other standard 'risks'.
Most even ignore whether you've claimed before – a huge bonus for serial losers, though this isn't universal, so check before you leap in. You can get Full cover for £70/year for almost the complete iPhone range (including the recently launched iPhone 8 and 8 Plus, but not quite for the iPhone X) and the Samsung S9, S8, S7, S6, and Edge range (including the 128GB versions).
Find your cheapest policy
Cheapest with decent cover levels
Our cheapest pick is from Insurance2Go*. It will only insure mobile phones purchased within the last six months and covers many of the iPhone range (excluding the iPhone X and XS range - which costs slightly more to insure) up to the maximum value.
MSE Blagged: Use the code MSEIPHONE10 to get £10 off the annual premium on the already cheapest pick from Insurance2Go*. This brings the cost of the full cover policy to £80 a year (up to £100/yr for the iPhone 8 Plus 256GB).
To get the discount, you will need to pay the premium in full as the discount does not apply if you choose to pay the premium on a monthly basis.
Here's what you get:
Full: Covers accidents, liquid damage, theft and unauthorised calls (up to £1,000) PLUS loss of the phone. You also get overseas cover.
The excess – the amount you must pay of any claim – is £75 (increases to £100 for the 256GB iPhone 8). Feedback for Insurance2Go mobile insurance is available on our forum (please feed back if you have any experience with it).
- Excess: £75 (£100 for iPhone 8 - 256GB)
- Max value: £1,000
- Max phone age to insure: 6 months at time of policy purchase
- Cover abroad: 90 days/year
- Replacement phone speed: Likely to take a few days
- What do you get if you lose? Refurbished or new phone
- Unauthorised calls: £1,000
Cheapest with 'instant' phone replacement
Here you'll need to go with insurance from your network, as standalone policies all generally take longer to reunite you with a handset. For an iPhone 8, here are the basic details of cover from the biggies.
| THE CHEAPEST NETWORK POLICIES | |||||
|---|---|---|---|---|---|
| TABLE_CELL_STYLE | ANNUAL COST | EXCESS |
REPLACEMENT PHONE SENT (1) |
UNAUTHORISED CALLS? |
WHEN MUST COVER BE ARRANGED |
| Three | £102 (2) | £80 | Next day | No cover | Point of phone purchase |
| EE* | £148 | £100 | Next day | No cover | No time restriction |
| O2* | £150 | £70 | 3-5 days | No cover | Within 28 days of phone purchase |
| Vodafone* | £162 | £79 | Next day | No cover | Within 18 months of phone purchase |
| (1) From date claim approved. (2) Excludes Loss or Theft. | |||||
How we pick 'em
We compared 40 policies to find a mix of low price and decent cover. There are horror stories in our forums about insurers rejecting claims, rendering policies useless, so we've excluded some cheap insurers with significant bad feedback. We can't vouch 100% for good service with anyone we include.
All our top picks below have confirmed their policies would cover you for loss and theft, as long as you weren't careless and made reasonable attempts to recover the mobile.
Having said all that, each insurance claim is reviewed on its own merits so please share and tell us your experiences.
Important note
With all insurers, check the policy cover carefully. You may feel you're getting full 'loss' or 'theft' cover, but restrictions do apply. See our What to check section.
Also check... If you're insuring more than one phone or you're looking for cover for the whole family, the Nationwide FlexPlus account is worth considering. It costs £13 a month (£156 a year) and covers phones worth up to £1,000 each.
See Bank Accounts With Mobile Cover for more.
Our cheapest pick with decent cover levels is from Insurance2Go*. It will only insure mobile phones purchased within the last six months. This link will cover the iPhone X and XS range up to the maximum value.
MSE Blagged: Use the code MSEIPHONE10 to get £10 off the annual premium from Insurance2Go*. This brings the cost of the full cover policy to £120 a year.
To get the discount, you will need to pay the premium in full as the discount does not apply if you choose to pay the premium on a monthly basis.
Here's what you get:
Full: Covers accidents, liquid damage, theft and unauthorised calls (up to £1,000) PLUS loss of the phone. You also get overseas cover.
The excess – the amount you must pay of any claim – is £125 for the iPhone X and XS range. Feedback for Insurance2Go mobile insurance is available on our forum (please feed back if you have any experience with it).
- Excess: £120
- Max value: £1,449
- Max phone age to insure: 6 months at time of policy purchase
- Cover abroad: 90 days/year
- Replacement phone speed: Likely to take a few days
- What do you get if you lose? Refurbished or new phone
- Unauthorised calls: £1,000
Cheapest with 'instant' phone replacement
Here you'll need to go with insurance from your network, as standalone policies all generally take longer to reunite you with a handset. For an iPhone 8, here are the basic details of cover from the biggies.
| THE CHEAPEST NETWORK POLICIES | |||||
|---|---|---|---|---|---|
| TABLE_CELL_STYLE | ANNUAL COST | EXCESS |
REPLACEMENT PHONE SENT (1) |
UNAUTHORISED CALLS? |
WHEN MUST COVER BE ARRANGED |
| Three | £102 (2) | £80 | Next day | No cover | Point of phone purchase |
| EE* | £148 | £100 | Next day | No cover | No time restriction |
| O2* | £150 | £70 | 3-5 days | No cover | Within 28 days of phone purchase |
| Vodafone* | £162 | £79 | Next day | No cover | Within 18 months of phone purchase |
| (1) From date claim approved. (2) Excludes Loss or Theft. | |||||
How we pick 'em
We compared 40 policies to find a mix of low price and decent cover. There are horror stories in our forums about insurers rejecting claims, rendering policies useless, so we've excluded some cheap insurers with significant bad feedback. We can't vouch 100% for good service with anyone we include.
All our top picks below have confirmed their policies would cover you for loss and theft, as long as you weren't careless and made reasonable attempts to recover the mobile.
Having said all that, each insurance claim is reviewed on its own merits so please share and tell us your experiences.
Important note
With all insurers, check the policy cover carefully. You may feel you're getting full 'loss' or 'theft' cover, but restrictions do apply. See our What to check section.
Also check... If you're insuring more than one phone or you're looking for cover for the whole family, the Nationwide FlexPlus account is worth considering. It costs £13 a month (£156 a year) and covers phones worth up to £1,000 each.
See Bank Accounts With Mobile Cover for more.
MSE Blagged: Use the code MSE10 to get £10 off the annual premium on the already cheapest pick from Insurance2Go*, which will only insure mobile phones purchased within the last six months.
The code can be used for the entire range of the Samsung Galaxy, including the latest Samsung Galaxy S9 and S9+, which was launched in March 2018, and the S8, S8+, S7 and S7 Edge, the S6 (32GB, 64GB and 128GB version) and S6 Edge (64GB and 128GB model). Using the code brings the cost of the Full policy to £70 a year.
To get the discount, you will need to pay the premium in full as the discount does not apply if you choose to pay the premium on a monthly basis.
Here's what you get:
- Full: Covers accidents, liquid damage, theft and unauthorised calls (up to £1,000) PLUS loss of the phone. You also get overseas cover.
The excess – the amount you must pay of any claim – is £75. Feedback for Insurance2Go mobile insurance is available on our forum (please feed back if you have any experience with it).
- Excess: £75 (£100 excess for the Samsung S9 Plus)
- Max value: £1,000
- Max phone age to insure: 6 months at time of policy purchase
- Cover abroad: 90 days/year
- Replacement phone speed: A few days, at least
- What do you get if you lose? Refurbished or new phone
- Unauthorised calls: £1,000
MSE Blagged: Use the code MSE10 to get £10 off the annual premium on the already cheapest pick from Insurance2Go*. It will only insure mobile phones purchased within the last six months.
This brings the cost of the full cover policy to £70 a year.
This particular offer doesn't apply to iPhones but you can get the same £70 Blagged deal using this alternative Insurance2Go* iPhone link but this time use the code MSEIPHONE to get £10 off the annual premium.
To get the discount, you will need to pay the premium in full as the discount does not apply if you choose to pay the premium on a monthly basis.
Here's what you get:
- Full: Covers accidents, liquid damage, theft and unauthorised calls (up to £1,000) PLUS loss of the phone. You also get overseas cover.
The excess – the amount you must pay of any claim – is £75. Feedback for Insurance2Go mobile insurance is available on our forum (please feed back if you have any experience with it).
- Excess: £75
- Max value: £1,000
- Max phone age to insure: 6 months at time of policy purchase
- Cover abroad: 90 days/year
- Replacement phone speed: A few days, at least
- What do you get if you lose? Refurbished or new phone
- Unauthorised calls: £1,000
Cheapest with 'instant' phone replacement
Here you'll need to go with insurance from your network, as standalone policies all generally take longer to reunite you with a handset. For an iPhone 8, here are the basic details of cover from the biggies.
| THE CHEAPEST NETWORK POLICIES | |||||
|---|---|---|---|---|---|
| TABLE_CELL_STYLE | ANNUAL COST | EXCESS |
REPLACEMENT PHONE SENT (1) |
UNAUTHORISED CALLS? |
WHEN MUST COVER BE ARRANGED |
| Three | £102 (2) | £80 | Next day | No cover | Point of phone purchase |
| EE* | £148 | £100 | Next day | No cover | No time restriction |
| O2* | £150 | £70 | 3-5 days | No cover | Within 28 days of phone purchase |
| Vodafone* | £162 | £79 | Next day | No cover | Within 18 months of phone purchase |
| (1) From date claim approved. (2) Excludes Loss or Theft. | |||||
How we pick 'em
We compared 40 policies to find a mix of low price and decent cover. There are horror stories in our forums about insurers rejecting claims, rendering policies useless, so we've excluded some cheap insurers with significant bad feedback. We can't vouch 100% for good service with anyone we include.
All our top picks below have confirmed their policies would cover you for loss and theft, as long as you weren't careless and made reasonable attempts to recover the mobile.
Having said all that, each insurance claim is reviewed on its own merits so please share and tell us your experiences.
Important note
With all insurers, check the policy cover carefully. You may feel you're getting full 'loss' or 'theft' cover, but restrictions do apply. See our What to check section.
Also check... If you're insuring more than one phone or you're looking for cover for the whole family, the Nationwide FlexPlus account is worth considering. It costs £13 a month (£156 a year) and covers phones worth up to £1,000 each.
See Bank Accounts With Mobile Cover for more.
You can get a dirt-cheap policy from Gadget Cover*, more suited to less snazzy, more functional non-smartphone handsets with a £250 maximum cover level. This is a decent option if you're self-insuring and want a little boost on top.
However, if you lose it, you need to pay £50 excess towards a claim, so you need to factor that in. Here's what you get:
Non-smartphone with a £150 maximum cover level
- Theft, accidents and repairs: from £33/yr
- All of the above, AND loss: from £44/yr
Non-smartphone with a £250 maximum cover level
- Theft, accidents and repairs: from £44/yr
- All of the above, AND loss: from £55/yr
You need to name the phone you have and its value, and it tells you the price, which increases for pricier handsets. Don't think about skimping and using this to cover a more expensive gadget, as the likelihood is it just won't pay out.
Beware – little feedback
Be warned that not all budget providers receive good feedback – let us know your experiences in the forum discussion. As always, check if you are covered on your home insurance as you may already be protected.
- Excess: £50
- Max value: £250
- Max phone age to insure: Up to 18 months
- Cover abroad: 180 days/year
- Speed: Likely to take a few days
- What do you get if you lose? Refurbished (not new)
- Unauthorised calls: £2,500
Cheapest with 'instant' phone replacement
Here you'll need to go with insurance from your network, as standalone policies all generally take longer to reunite you with a handset. For an iPhone 8, here are the basic details of cover from the biggies.
| THE CHEAPEST NETWORK POLICIES | |||||
|---|---|---|---|---|---|
| TABLE_CELL_STYLE | ANNUAL COST | EXCESS |
REPLACEMENT PHONE SENT (1) |
UNAUTHORISED CALLS? |
WHEN MUST COVER BE ARRANGED |
| Three | £102 (2) | £80 | Next day | No cover | Point of phone purchase |
| EE* | £148 | £100 | Next day | No cover | No time restriction |
| O2* | £150 | £70 | 3-5 days | No cover | Within 28 days of phone purchase |
| Vodafone* | £162 | £79 | Next day | No cover | Within 18 months of phone purchase |
| (1) From date claim approved. (2) Excludes Loss or Theft. | |||||
How we pick 'em
We compared 40 policies to find a mix of low price and decent cover. There are horror stories in our forums about insurers rejecting claims, rendering policies useless, so we've excluded some cheap insurers with significant bad feedback. We can't vouch 100% for good service with anyone we include.
All our top picks below have confirmed their policies would cover you for loss and theft, as long as you weren't careless and made reasonable attempts to recover the mobile.
Having said all that, each insurance claim is reviewed on its own merits so please share and tell us your experiences.
Important note
With all insurers, check the policy cover carefully. You may feel you're getting full 'loss' or 'theft' cover, but restrictions do apply. See our What to check section.
Also check... If you're insuring more than one phone or you're looking for cover for the whole family, the Nationwide FlexPlus account is worth considering. It costs £13 a month (£156 a year) and covers phones worth up to £1,000 each.
See Bank Accounts With Mobile Cover for more.
Best buys: Bank accounts with mobile cover
While most top bank accounts you get free, some top packaged bank accounts can be worth it IF you use the products bundled with them. The big three 'freebies' are breakdown cover, travel insurance and mobile phone insurance.
The real boon here is if you hold a joint account with a partner, then both of your phones are protected without you having to pay twice. Here are the big banks' cheapest accounts that include mobile insurance.
Our top pick
If you want to cover all the family's phones, the Nationwide FlexPlus* account costs £13 a month and has top customer service. It also pays 3% AER interest on balances up to £2,500, beating other top savings accounts, and has a 0% arranged £250 overdraft. It's available online, in branch or by phone/post.
Need to knows
Mobile phone insurance covers repair or replacement after theft, loss, damage or breakdown, for all handsets up to £1,000 per phone.
Phones belonging to family members living at home are included. (Children must be under 19, or 22 in full-time education, and can't be married or in a civil partnership. If they're at uni, the cover only applies at home out of term time.)
A worldwide family travel insurance policy for the year, including winter sports cover, travel disruption and golf cover. The cheapest you could get this for elsewhere is £60, but for a top value policy you could pay more than £150 per year (see the Travel Insurance guide).
UK & European breakdown cover is also thrown in.
To see how this compares, read the full top packaged bank accounts guide.
Nationwide's packaged accounts with benefits have been our top picks for a few years so please share your experiences.
Excess: £50 (£100 for iPhones)
Max value: £1,000 per phone
Age of phone: Unlimited
Cover abroad: Yes
Speed: A few days
New or replacement? Either
Unauthorised calls: Up to £2,000
Document: Summary of cover
The best from the rest of the banks
If you're not going for our top pick from Nationwide above, here you'll find a selection of the best policies around from the rest of the banks.
| HOW POLICIES FROM THE BANKS COMPARE | ||||
|---|---|---|---|---|
| BANK | ANNUAL COST | HOW MANY PHONES? | STANDARD EXCESS | MAX CLAIM PER PHONE |
| Barclays Tech Pack |
£150 | Two (or four with joint acc) | £75 | £1,500 |
| Halifax Ultimate Reward |
£180 | One (or two with joint acc) | £100 iPhones (1) £30 others |
£2,000 |
| Lloyds Silver |
£119 | One (or two with joint acc) | £100 iPhones £50 others |
£2,000 |
| NatWest Reward Silver |
£144 | One (or two with joint acc) | £100 | No limit |
| (1) For theft or loss claims. | ||||
There are two big things to be aware of when getting mobile insurance through your bank:
It's NOT as quick as mobile network cover.
The big phone networks specialise in getting a phone out to you ASAP, but here it's likely to take a few days at least. Though, unlike the standalone insurers, they at least have high street branches you can complain to if they really drag their feet.
You may need to activate the insurance.
Scandalously, opening the account and paying your fee sometimes isn't enough to make sure you're covered. With certain banks, Barclays for one, require you to give extra info to activate the cover.
Cashback sites may pay you for signing up
As an extra boon, members of specialist cashback websites can be paid when they sign up to some financial products. Do check that it's exactly the same deal though, as terms can be different. And remember the cashback is never 100% guaranteed until it's in your account.
Full help to take advantage of this and pros & cons in our Top Cashback Sites guide.
What to check before getting a policy
How to protect your data
Losing your mobile phone can be a nightmare of lost data, photos and contacts. Yet there are a number of easy ways to protect your data for free.
Regardless of how expensive your phone is, the data stored on it can be mega-valuable, and it's near impossible to retrieve contacts, photos, apps, games, messages and more after losing a handset.
To beat this, use one of the following free services:
Get Our Free Money Tips Email!
What if my insurer goes bust?
Insurers regulated in the UK are covered by the same Government-backed Financial Services Compensation Scheme (FSCS) as banks, meaning if they go into default, you're protected. There are two main ways in which it protects you.
If you need to claim from a bust insurer
The FSCS's main objective is to 'maintain continuity'. This means if your insurer goes bust, it will try to find another provider to take over your policy, or issue a substitute policy. However, if you have any ongoing claims, or need to make a claim before a new insurer is found, the FSCS should ensure these are covered.
If it goes bust and you paid upfront
If you've paid for cover for a year, but the company goes bust after a month or two, then you would lose out.
To protect against that, if the FSCS can't transfer your policy to another provider, you'll be given a period of time to take out alternative insurance, and 90% of any money you've already paid will be refunded as compensation via the FSCS. To help explain, here's a quick example...
You paid for a year-long policy in January and the insurer went bust in September. If the FSCS can't get the policy transferred elsewhere, then you will receive four months' worth of the original cost in compensation.
The insurance industry doesn't have the best customer service reputation and while a provider may be good for some, it can be hell for others. Common problems include claims either not being paid out on time or at all, unfair charges, or exclusions being hidden in the small print. It's always worth trying to call your provider first, but if not then…
Free tool if you're having a problem
This tool helps you draft your complaint and manage it too. It's totally free, and offered by a firm called Resolver which we like so much we work with to help people get complaints justice.
If the complaint isn't resolved, Resolver will escalate it to the free Financial Ombudsman Service.
Important: if your issue is about a voucher or incentive that was part of an MSE Blagged deal, then instead just let us know by emailing voucherhelp@moneysavingexpert.com as that's usually quicker.
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Free complaints tool
Resolver - the automated complaints system