Compare Mobile & Tablet Insurance
Your phone or tablet is one of the most expensive things you carry every day — and one of the easiest to drop, lose or have stolen. Compare mobile phone insurance and tablet cover from the leading UK providers to find the right policy for your device.
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Protect Your Bubble
- Accidental damage and mechanical breakdown
- Covered worldwide as standard
- Unlimited repairs for damage claims
- Up to 2 replacements per year
Howden Insurance
- Protection against theft, drops and spills
- Specialist student cover available
- Affordable monthly premiums
Nationwide (FlexPlus)
- Covers you and your family's phones
- Multiple household members included
- Worldwide protection
loveit coverit
- 30 years of gadget insurance experience
- Claims handled in-house
- No minimum contract
- Unlimited claims and repairs
Prices and availability correct at time of last update. Always check directly with the provider.
Provider details, prices and availability are correct at the time of writing and subject to change without notice. Always verify current terms and pricing directly with the provider before purchasing.
What does mobile phone insurance cover?
Accidental damage
Drops, cracked screens, liquid spills — the most commonly claimed cover type. Manufacturer warranties typically exclude all accidental damage.
Theft and loss
Most policies cover theft; some also cover accidental loss. Check carefully — conditions vary significantly between providers.
Worldwide cover
Most good policies include worldwide protection for a set number of days per year — typically 60-180 days. Essential if you travel frequently.
AppleCare+ vs third-party
AppleCare+ covers hardware repairs and accidental damage but not theft or loss. A third-party policy covers all three, often at lower overall cost.
Common questions
Does it matter what device I have?
Most providers cover all major smartphones and tablets. Check for any device age or value limits before buying.
Does my home insurance cover my phone?
Contents insurance may cover your phone at home, but rarely outside — and almost never covers accidental damage or loss without an expensive add-on. Specialist gadget insurance is usually better value for phones and tablets.
Is my phone covered if I lose it abroad?
Most specialist mobile insurance policies include worldwide cover as standard. Check the policy wording as some limit claims outside the UK, and make sure 'loss' is included — not all policies cover it.
Does phone insurance cover a cracked screen?
Accidental damage — including cracked screens — is one of the most common claims. Most specialist policies cover it, though an excess will apply. Check what the excess is before you buy.
Can I insure an older or refurbished phone?
Yes, though some insurers set a maximum age limit (often 3–5 years). Refurbished phones are generally insurable. You'll need the IMEI number and the make, model, and value when you apply.
What excess should I expect?
Typically £25-£100 per claim. A higher excess usually means a lower premium.
Can I insure multiple devices on one policy?
Yes — several providers offer multi-gadget policies covering phones, tablets, and laptops on a single plan, often at a discount.
What to look for in a policy
Loss vs theft
These are not the same. Make sure your policy covers both — some cheaper policies only cover theft (proven by a crime reference number) and not accidental loss.
Unauthorised use
If your phone is stolen and the thief runs up a huge bill, does your policy cover it? Some do, with limits — worth checking.
Multi-device discounts
If you want to insure a phone and a tablet, some providers offer multi-device discounts. Worth comparing a bundle versus two separate policies.
Also comparing laptops? See our MacBook & laptop insurance guide.