Mobile Phone Insurance
At Cover My, our experts help customers every day to find the affordable comprehensive cover that’s right for them and their gadgets.
Mobile Phone Insurance
Mobiles are an essential part of everyday life, and as such are increasingly valuable to us. As they have become more important and grown in value it’s important they are protected from any mishaps.
As they become more and more advanced in what they can do – our reliance on them only increases, and they’re now an integral part of how we interact with the world. Chances are you use more than one gadget every day – and that there’s one gadget we all feel we couldn’t live without, our phones.
This is why protecting them is now as important as doing so for our house or car, they’re vital for how we live our lives, and so need the relevant cover to reflect this. At Cover My, our experts help customers every day to find the affordable comprehensive cover that’s right for them and their gadgets.
We are focused on providing comprehensive cover and flexibility to design their ideal protection which suits their needs and budget. We also want to make it simple to protect your treasured companion and provide a simple and fast quote and buy process that will give you instant cover.
With CoverMy you can relax, as we want our customers to feel safe and assured in knowing purchasing cover through us gives you reliable and affordable insurance that allows you to protect what matters to you the most. And if the worst was to happen, you have someone that believes what is important to you is also important to us as well.
Types of cover
Our most comprehensive cover which offers protection in the event of theft, loss or unexpected mishaps.
Our Basic Cover offers protection against theft and loss.
The occasional accident is inevitable. But we can take the stress away when they happen. Our Premium insurance offers you the peace of mind that you won’t have to cover the cost of a new handset should it become damaged.
The best protection for your Smartphone
We’re continually comparing our phone insurance to others in the market, to make sure we keep our policies competitive. Protect your Smartphone with Cover My and you’ll have one less stress to deal with if your Smartphone gets lost, stolen or damaged.
Protection to rely on at affordable prices
Our customers know that they can trust us to cover their devices and offer them that all important comfort – knowing that if something does go wrong, we’re there for them – with a hassle-free claims process that’s straightforward to complete.
What we cover
We will pay repair costs if your gadget is damaged as a direct result of electrical or mechanical breakdown occurring outside of the manufacturer's guarantee period. If your gadget cannot be economically repaired, we will provide a replacement item up to the policy limit.
Your device is covered for repairs and replacements which are a direct result of accidental damage to your devices screen. Each claim will be up to your policy limit.
Fraudulent Usage Cover
If your gadget is accidentally lost or stolen and is used fraudulently, we will reimburse you for the costs up to a maximum value of £500 upon receipt of your itemised bill. This is in addition to the policy limit stated on your schedule of insurance.
If you lose your mobile phone or tablet we will provide a replacement item up to the policy limit.
If your gadget is stolen we will provide a replacement item up to the policy limit. Where only part or parts of your gadget have been stolen, we will only replace that part or parts.
If your claim is approved, we will replace any accessories that were lost, stolen or damaged at the same time as your gadget up to a maximum value of £150. Proof of purchase for the accessories will be required. This is in addition to the policy limit stated on your schedule of insurance.
We will pay the costs of repairing your gadget as a result of accidental damage. Repairs will be carried out using readily available parts. Where possible we will use original parts but in some cases, unbranded parts may be used.
In the event that any repairs authorised by us under this policy invalidate your manufacturer’s warranty, we will repair or replace your gadget for the remaining period of your manufacturer’s warranty in line with your manufacturer’s warranty terms and conditions.
If your gadget cannot be economically repaired then a replacement Item will be provided up to the policy limit.
Your device is covered for repairs and replacements which are a direct result of damage caused by liquid. Each claim will be up to your policy limit.
Popular smartphone devices
iPhone 11 Pro
Samsung Galaxy S10+
Samsung Galaxy S9
Huawei p20 pro
Cover Comparison table
With our gadget cover when you purchase your insurance you are insured instantly. No waiting around for another day or two.
We will make sure that your phone is always repaired or replaced, and that’s regardless of how many times you need our help.
We offer 90 days of worldwide cover in any 12 month period of cover
97% of claims paid
We have paid out on 97% of claims and are proud that we have been able to help so many customers in their time of need.
Frequently Asked Questions
Gadget Mobile Phone Insurance
Our Basic Cover will cover your device for Loss and Theft. It also covers Fraudulent Usage Cover, Liquid Damage, Accessories Cover, Cracked Screen and Worldwide Cover.
If your gadget claim is approved, we will replace any accessories that were lost, stolen or damaged at the same time as your gadget up to a maximum value of £150. Proof of purchase for the accessories will be required. This is in addition to the policy limit stated on your Schedule of Insurance.
Your gadget is covered for up to 90 days in total worldwide in any 12 month period of cover. Replacement or repair can only be dealt with once you are back in the UK.
Yes, we will need an original receipt and any other documentation required to prove your device was purchased as new in the UK directly from a manufacturer, network provider or retail store (high street or online) OR purchased as refurbished in the UK direct from the manufacturer or network provider. This must show the date of purchase, make, model, IMEI/Serial number of your device.
Yes, there is an excess fee applied every time you make a claim. You can select what you want your excess level to be as you go through and build your cover.
Our cover is instant. As soon as you have paid your cover will start on the date you have selected the policy to start from.
We understand that you need your device replaced as quickly as possible. That is why we aim to have a replacement device in your hands within 48 hours of a claim being approved.
We will provide a gadget of the same age and condition and specification (we cannot guarantee that it will be the same colour as the original gadget) or, if not available, one of comparable specification or equivalent value taking into account the age and condition of the original gadget. For clarity, this is not a ‘new for old’ policy and the replacement item can be a new or refurbished item of equivalent specification.