MPID UK MPID Mobile Insurance MPID Mobile Phone Insurance

Our Fraud Policy

If a claim is presented under this insurance with the intention of being misleading or fraudulent and/or is supported with false documents your policy will become void from inception and your rights to any benefit under this insurance will end immediately.

Additionally; if we identify fraudulent activity we reserve the right to cancel any policy you have with us and record your details against our records for fraud prevention purposes.

We also reserve the right to provide your details to fraud prevention agencies as well as Law enforcement agencies as appropriate.

In the interest of our Customers we are a member of the Telecommunications UK Fraud Forum and validate all claims against Police, Mobile Operators and other UK monitoring systems through various claims validation platforms which are then further validated by Recyclers operating under the Mobile Phone Recyclers Charter.

FAQs

Provide us with your proof of purchase which must include the date of purchase, IMEI or serial number of the mobile phone or tablet, and be in your name.

No. Non-genuine devices are not covered by our policies. However, we do provide cover for refurbished devices that come with a manufacturer’s warranty or the original proof of purchase (if the device was bought second-hand).

Your gadget is only covered for damage if it stops your gadget from functioning normally. We will cover cracked screens, but scratches, dents, and normal day-to-day wear and tear do not qualify for repair or replacement.

Yes as long as the company is VAT registered we can insure it. The phone must also be less than 3 years old.

Even if you have a warranty still in place yes it may still be a good idea to have mobile phone insurance, here's a few reasons why:

Limited coverage: Manufacturer’s warranties usually only cover issues that take place during the manufacturing process such as defects or malfunctions. These only usually last for a limited time, a year being the typical timeframe. So, the warranty may not cover accidental damage, theft or loss.

Extra coverage: Our mobile phone insurance provides extra coverage far beyond what a phone or gadget manufacturer warranty might offer, we include cracked screens, liquid damage and mechanical breakdowns with all our packages as standard our Plus package gives theft cover and our Premium package includes loss too. These aspects alone make mobile phone insurance more or less essential if you want to protect your device from problems that happen day to day.

Convenience: If the worst happens and your phone is stolen, lost, or damaged then our insurance can help make the situation a bit better by getting you a replacement phone quickly and conveniently without dealing with the manufacturer’s warranty processes.

It can be cheaper: If you phone or gadget is stolen it's very unlikely that your warranty will cover you, which means you'll end up having to dig deep into your pockets to replace your device. The same goes for damage, costs can soon mount up for repairs and insurance can save you having to spend way beyond what you might pay monthly for cover.

At the end of the day it depends on what you need as an individual as to whether you need mobile phone or gadget insurance, it makes sense to weigh up the options and get an insurance quote or two to establish exactly what might suit your needs. if in doubt read your manufacturer’s warranty as well as the insurance policy details, and you'll soon have an educated opinion.

Yes – Mobile Phone Insurance Direct will insure your phone for its market price. Even if you buy it with a discount from your network provider, we’ll still replace it with an identical or similar model.
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