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Mobile Phone Insurance Direct

Get mobile phone insurance that covers damage and breakdown, with theft and loss available depending on the cover level you choose.

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Cheap and reliable mobile phone insurance with unlimited claims

Mobile Phone Insurance Direct

Clear cover levels for phones

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Choose Essential, Plus or Premium cover

Cover for damage and breakdown (terms apply)

Theft on Plus; loss on Premium

Check excesses and key exclusions before you buy

Compare cover levels and excesses

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What each cover level includes

There are three cover levels, and the aim is simple: choose the one that fits how you use your phone. If you’re looking for iPhone insurance or Android cover, start with the essentials and then decide whether you need the extra protection. Essential covers accidental damage including cracked screens and liquid damage, as well as mechanical breakdown. Plus includes everything in Essential and adds theft cover, with airtime abuse cover up to £5,000 where it’s linked to theft. Premium includes everything in Plus and adds loss cover, with airtime abuse cover up to £10,000 where it’s linked to theft. Cover is subject to your policy terms, conditions, exclusions and your Schedule of Insurance. Cover applies only to the cover options shown on your Schedule of Insurance. You are responsible for deciding whether the policy is suitable for you.


We offer Phone Insurance for all major phone manufacturers, including:

The cover options at a glance

Damage and breakdown

Theft cover available

Loss cover on Premium

Key exclusions and what you’ll need

If you’re comparing phone insurance, these are the main checks and exclusions to know.

What you’ll need

  • Phone under 36 months old at policy start.
  • Valid proof of purchase.
  • Second-hand only if bought from the manufacturer or a UK VAT registered business.
  • Phone in good working condition at purchase.

What isn’t covered

  • Unattended loss or theft away from home.
  • Theft or loss not reported/blacklisted within required timescales.
  • Cosmetic damage that doesn’t affect how the phone works.
  • Replacing stored data or information.

Excess: an excess applies. An additional excess can apply in the first 30 days: £40 (accidental or liquid damage) or £60 (loss or theft). See policy excesses.

For all the detail please see: key exclusions and conditions.

Mobile Phone Insurance

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1. Get your price
2. Choose Essential, Plus or Premium
3. Review cover, excess and exclusions before you buy

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How claims work

If you need to claim, the key is to report it quickly and keep the evidence.

  • For loss or theft, tell your network provider and blacklist the phone within 24 hours, then report it to the police within 48 hours and keep the reference.
  • Contact us by phone or email to start your claim.
  • Complete the claim form and provide the evidence requested (including proof of purchase and proof of usage where applicable) within 30 days.
  • If asked, post your phone to us for assessment (you pay the postage).
  • We’ll review the claim against your policy terms and confirm the next step: repair, replacement (which may be refurbished) or settlement, as set out in the policy.

Full steps and contact details: how to make a claim.

Learn more about MPID

Mobile Phone Insurance Direct is built to keep things simple and straightforward, from getting cover in minutes to knowing exactly where you stand if you ever need to claim. If you’re looking for cover for a second hand or refurbished handset, you can also read more about refurbished phone insurance. If you’d like to learn more about who we are, visit our About us page, or get in touch via Contact us. For transparency, you can also review our Fraud policy and read the Insurance Product Information Document (IPID) before you buy.

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Our phone insurance explained

No matter how careful we are with our phones, they have a tendency to come into misfortune sooner or later. Whether we smash the phone screen, drop it in water, or leave it on the train, it’s always an unwelcome surprise. These are just some of the most common claims regarding phone insurance.

We all know that accidents happen, and dropping your phone is often one of those "oh no!" moments. At Mobile Phone Insurance Direct, "Accidental Damage" is specifically designed to cover these unexpected incidents. Whether your phone takes a tumble off the table or meets the floor in a moment of clumsiness, our cover kicks in to save the day. Unlike some other insurance options, such as home or bank insurance, which may limit the number of claims you can make, we offer unlimited claims. So, rest easy knowing that however many times life's little mishaps occur, we've got your back.

Our official documents state; "Accidental Damage" is described as any sudden and unforeseen event that results in damage or destruction of your gadget.

We know your mobile phone isn't the only gadget you treasure. That's why our "Accessory Cover" is designed to protect those little extras that make your life easier, like chargers, headphones, and protective cases. If your main gadget is approved for a claim, we'll also cover your accessories that were lost, stolen, or damaged at the same time, up to a limit of £150. And here's a bonus: if your phone is replaced with a different make or model that makes your existing accessories obsolete, we'll replace those too, up to the same £150 limit.

According to our official documents, "Accessory Cover" provides protection for items like chargers, protective cases, headphones, and hands-free gadgets up to a limit of £150. This cover is activated when your claim for your main gadget, such as a mobile phone, is approved. It will cover any accessories that were accidentally lost, stolen, or damaged at the same time as your gadget.

We know that losing your phone is stressful enough, but the thought of someone else racking up your bill? That's a nightmare! That's why our "Airtime Abuse" cover is here to give you peace of mind. If your phone is stolen, we'll cover the cost of unauthorised calls made following the theft, up to £5,000 for our Plus package and up to £10,000 for our Premium package. So, you can rest easy knowing that even if your phone ends up in the wrong hands, your wallet won't take the hit.

Our offical documents state; "Airtime Abuse" is covered for your device up to £5,000 for Plus and up to £10,000 for Premium. This feature is included in Plus & Premium cover only.

We all know that water and gadgets are not the best of friends. At Mobile Phone Insurance Direct, our "Liquid Damage" cover is designed to protect your mobile phone or gadget against those unfortunate spills and splashes. Whether it's a coffee mishap or an unexpected downpour, our cover ensures that your device will be repaired or replaced. And here's the cherry on top: unlike some other insurance options that may limit your claims, we offer unlimited claims. So, go ahead and dance in the rain; we've got you covered!

Our official document states: "Liquid Damage" is defined as unintentional damage caused to your gadget as a result of coming into contact with any liquid.

Ever had that sinking feeling when you can't find your phone? We get it; these things happen. That's why our "Loss" cover is designed to provide that extra layer of security. If you find yourself unable to locate your phone or gadget and are permanently without it, despite taking all reasonable precautions, our loss cover has got you covered. And the best part? This feature is included in our Premium insurance policies as standard, so you can go about your day with one less worry.

Our official documents state: "Accidental Loss Cover" is available only with our Premium cover. It kicks in if you are unable to account for your gadget's whereabouts and are permanently deprived of its use, despite taking reasonable precautions to protect it and ensuring it has not been left unattended.

Ever had your phone suddenly freeze or refuse to turn on? It's frustrating, especially when the manufacturer's warranty has just expired. That's where our "Mechanical Breakdown Cover" steps in. We'll cover your mobile phone if an electrical or mechanical fault occurs outside of its warranty period. So, you can breathe easy knowing that if your phone decides to take an unexpected break, we've got you covered.

Our offical documents state; "Mechanical Breakdown Cover" comes into play if your gadget becomes inoperable due to a sudden and unforeseen fault. This fault must be the result of the failure of internal electronic or mechanical components or defects and should occur when the gadget is out of the manufacturer warranty period.

We understand that your mobile phone is more than just a device; it's an essential part of your daily life. That's why at Mobile Phone Insurance Direct, our "Theft" cover is designed to give you peace of mind. If your mobile phone is stolen, we'll not only replace it but also cover you against unauthorised calls made when your device is taken away from you. So, whether you're out and about or it's taken from your home, you can rest assured that we've got your back.

Our official documents definiton; "Theft" is defined as the unauthorised dishonest appropriation or attempted appropriation of your gadget by another person with the intention of permanently depriving you of it.

We understand that life is unpredictable, and sometimes, one claim just isn't enough. That's why at Mobile Phone Insurance Direct, we offer "Unlimited Claims." Unlike some insurance providers that cap the number of claims you can make, we're here for you no matter how many times you need us. Whether it's accidental damage, theft, or any other covered event, you can count on us to have your back, time and time again.

Love to travel? So does your mobile phone! With Mobile Phone Insurance Direct, our "Worldwide Cover" ensures that your phone is protected no matter where your adventures take you. Whether you're sipping espresso in Italy or hiking in the Andes, you can rest easy knowing your phone is covered. And here's the best part: this unlimited worldwide cover is included as standard in our policies. Just remember, while we can cover you globally, any repaired or replacement handsets will be delivered only to a UK address.

According to our official documents, your policy will cover your gadget anywhere in the world, provided the device was purchased within the UK. Repaired or replacement handsets will be delivered only to a UK address.

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Cover level comparison

  • Essential: accidental damage, cracked screens, liquid damage and mechanical breakdown.
  • Plus: everything in Essential, plus theft cover and airtime abuse cover up to £5,000 (linked to theft).
  • Premium: everything in Plus, plus loss cover and airtime abuse cover up to £10,000 (linked to theft).

Cover is subject to your policy terms, conditions, exclusions and your Schedule of Insurance.

Cover applies only to the cover options shown on your Schedule of Insurance.

You are responsible for deciding whether the policy is suitable for you.

Mobile Phone Insurance Direct
FAQs

Our mobile phone and gadget insurance is designed for people who want cover for common real-world risks like accidental damage and breakdown, with optional cover for theft and loss depending on the package you choose. For a quick view of cover levels, start a quote via our quote page.

Cover applies only to the cover options shown on your Schedule of Insurance.

If your phone has vanished without a trace, our loss cover will make sure you are not left out of pocket. At Mobile Phone Insurance Direct, we include loss as standard in our insurance packages.


Our specific policy wording states "Loss means that you are unable to account for your gadget whereabouts and are permanently deprived of its use after reasonable precautions have been taken to protect it and it has not been left unattended". It’s worth checking your documents or starting a quote via our quote page.

Cover is subject to your policy terms, conditions, exclusions and your Schedule of Insurance.

Only where the damage affects normal functionality. For example, cracked screens are covered, but scratches, dents, and general wear and tear that don’t affect operation are not covered. See Key Exclusions and Conditions for more detail.

A quick starting point is to review both Policy Excesses and Key Exclusions and Conditions. For the full list of exclusions and limitations, refer to Policy Terms & Conditions.

We ask you to pay the compulsory excess so we can keep premiums competitive, rather than increasing prices after a claim. You can see how excess works in Policy Excesses.

Your excess depends on your device and cover, and is set out in your documents. You can review the excess table in Policy Excesses.

You can start your mobile phone insurance claim by visiting our claims page and following the instructions.

Once your claim is approved, we aim to deliver your replacement within 48 hours, subject to device availability and claim complexity. You can start the process via our claims page.

Not always. This is not a “replacement as new” policy, so replacement devices may be new or refurbished, depending on availability and the claim circumstances. Full replacement wording is set out in Policy Terms & Conditions.

Although standards are extremely high, please note that refreshed devices may hold some non-original parts.

Absolutely! Mobile Phone Insurance Direct is a dedicated provider that specialises in offering direct insurance policies for mobile phones and tablets, directly to you, the consumer. As part of Pier Insurance Managed Services Ltd, located at Evolution House, New Garrison Road, Shoeburyness, Essex, SS3 9BF, we adhere to the regulations laid out by by the Financial Conduct Authority and are authorized and regulated by them (FCA registration no. 31179).

Countless customers have already placed their trust in us and have expressed their satisfaction with our services. We strive to maintain this level of excellence and ensure your peace of mind when choosing Mobile Phone Insurance Direct. You can find more background on our About page.

Cover is subject to your policy terms, conditions, exclusions and your Schedule of Insurance.


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