

Mobile Phone Insurance
Get iPhone & Samsung cover for less than £5/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 £34/year, to protect your iPhone, Samsung or any of the other smartphones available.
Other top related MSE guides...
Cheap Mobile Tips: Find the best deal and cut costs
Cheap iPhones: Compare iPhone incl 12, 11, XR, XS, X, 8, 7 & more
Cheap Samsung: Compare Samsung phones, incl S20, Note20, Z Flip & more
Home Insurance: Grab 100+ insurance quotes & cashback
Gadget Insurance: Cheap cover for tablets, laptops & more

Seven mobile phone insurance need-to-knows
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.
How we pick 'em
While we don't generally factor in payout record or customer service, there are horror stories in our forums about insurers rejecting claims, so we've excluded some cheap insurers with significantly bad feedback (tell us your experiences). However, 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.
Important: With all insurers, check the policy cover carefully. See our FAQs below for more on what to look out for.
Find your cheapest policy
Pick your handset from the following options:
Our cheapest pick with decent cover levels is from Insurance2Go*. It will cover the latest iPhone 12 mini or Pro, and the iPhone 11 Pro or 11 Pro Max, up to the maximum value.
MSE Blagged: Newbies using code MSEIPHONE10 get £10 off the annual premium from Insurance2Go* (it won't apply if you choose to pay monthly). This means for the full cover policy you'll pay from:
- £80/yr for the iPhone 12, 12 mini or 11
- £100/yr for the iPhone 12 Pro, 11 Pro or 11 Pro Max
- £120/yr for the iPhone 12 Pro Max
Your insurance 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 from £75 to £150 (depending on model and memory size). Feedback for Insurance2Go mobile insurance is available on our forum (please feed back if you have any experience with it).
- Excess: Varies (£75-£150)
- Max value: £1,499
- Max phone age to insure: N/a (but usually up to three years old)
- Cover abroad: Yes, unlimited days
- Replacement phone speed: Likely to take a few days
- What do you get if you lose yours? Refurbished or new phone
- Unauthorised calls: £1,000
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/mth (£156/yr) and covers phones worth up to £1,500 each.
See Bank Accounts With Mobile Cover for more.
Insurance2Go* is our cheapest pick with decent cover levels. It will cover the latest iPhone XS or XS Max, up to the maximum value, though you must have bought the phone from new in the last three years.
MSE Blagged: Newbies using code MSEIPHONE10 get £10 off the annual premium from Insurance2Go* (won't apply if you choose to pay monthly). This means for full cover you'll pay from £100/yr for the XS, and from £120/yr for the XS Max.
Your insurance 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 from £100 to £150 (depending on model and memory size). Feedback for Insurance2Go mobile insurance is available on our forum (please feed back if you have any experience with it).
- Excess: Varies (£100-£150)
- Max value: £1,449
- Max phone age to insure: Three years old, at time of policy purchase
- Cover abroad: Yes, unlimited days
- Replacement phone speed: Likely to take a few days
- What do you get if you lose yours? Refurbished or new phone
- Unauthorised calls: £1,000
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/mth (£156/yr) and covers phones worth up to £1,500 each.
See Bank Accounts With Mobile Cover for more.
Cheapest with decent cover levels
Insurance2Go* – our cheapest pick – will only insure mobiles purchased in the last six months and covers many of the iPhone range up to a maximum value of £1,000.
MSE Blagged: Newbies using code MSEIPHONE10 get £10 off the annual premium on the already cheapest pick from Insurance2Go* (won't apply if you choose to pay monthly).
Your insurance 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 from £50 to £100 (depending on model and memory size). Feedback for Insurance2Go mobile insurance is available on our forum (please feed back if you have any experience with it).
- Excess: Varies (£50-£100)
- Max value: £1,000
- Max phone age to insure: Three years old, at time of policy purchase
- Cover abroad: Yes, unlimited days
- Replacement phone speed: Likely to take a few days
- What do you get if you lose yours? Refurbished or new phone
- Unauthorised calls: £1,000
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 £1,500 each.
See Bank Accounts With Mobile Cover for more.
Our cheapest pick with decent cover levels is from Insurance2Go*. It will cover the entire Samsung Galaxy range, including, deep breath, the latest Samsung Galaxy Fold, S10, S10+, and the S9 and S9+ (not forgetting the S8, S8+, S7 and S7 Edge and the S6). But you'll need to have bought your phone from new, within the last three years.
You can also get it if you own a Huawei, HTC or other smartphone.
MSE Blagged: Newbies using code MSE10 get £10 off the annual premium, though it won't work if you choose to pay monthly.
Your insurance 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 – varies from £25 to £150 depending on model and memory size. Feedback for Insurance2Go mobile insurance is available on our forum (please feed back if you have any experience with it).
- Excess: Varies (£25-£150)
- Max value: £2,000
- Max phone age to insure: Three years old, at time of policy purchase
- Cover abroad: Yes, unlimited days
- Replacement phone speed: A few days at least
- What do you get if you lose yours? Refurbished or new phone
- Unauthorised calls: £1,000
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 £1,500 each.
See Bank Accounts With Mobile Cover for more.
If you've an older phone, you can get a cheap policy from Gadget Cover*. It's more suited to less snazzy smartphones (or non-smartphones) purchased over six months (but less than 18 months) ago. This is a decent option if you're self-insuring and want a little boost on top.
However, if you lose your phone, you need to pay a £50 excess towards a claim, so factor that in. Here's what you get:
- Theft, accidents and repairs: from £35/yr
- All the above AND loss: from £47/yr
You need to name the phone you have and its value, and Gadget Cover 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 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: Yes, unlimited days
- Replacement phone speed: Likely to take a few days
- What do you get if you lose yours? Refurbished (not new)
- Unauthorised calls: £2,500
Here you'll need to go with insurance from your network, as standalone policies all generally take longer to reunite you with a handset. Here are the basic details of cover from the biggies, though the monthly cost and the excess will depend on which handset you have:
THE CHEAPEST NETWORK POLICIES | ||||
---|---|---|---|---|
TABLE_CELL_STYLE | MONTHLY COST | EXCESS |
REPLACEMENT PHONE SENT (1) |
UNAUTHORISED CALLS? |
O2* | £6-£15 | £10-£60 (£25-£90 for next day service) | 3-5 days | No cover |
Three | £7.50-£14 | £25 | Next day | No cover |
EE | From £4.50 | £40-£100 | Next day | No cover |
Vodafone* | £9.50-£15 | £79 | Next day | No cover |
(1) From date claim approved. |
Always try haggling at renewal to see if you can get the insurance thrown in for free. See the Mobile Haggling guide.
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 are in our Top Cashback Sites guide.
Mobile phone insurance FAQ
How to complain about your insurance provider
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 small print. It's always worth trying to call your provider first, but, if not, then…
Free tool to help you complain
This tool helps you draft and manage your complaint. It's totally free to use, and it's offered by Resolver, a firm we work with to help people get complaints justice.
RESOLVER – FREE COMPLAINTS TOOL*
If the company won't help, Resolver also helps you escalate your complaint to the free Financial Ombudsman Service.

Spotted out of date info/broken links? Email: brokenlink@moneysavingexpert.com
Clever ways to calculate your finances