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We can see that you are insuring a device that is no longer considered ¢â‚¬Ëœnew'. This means that we will require you to provide some extra mobile phone proof later on in the process.

To validate your policy, you’ll need to provide us with some mobile phone proof.

This proof will help us to ensure your insurance premiums stay low, and protects us against any fraudulent insurance claims.>

You can provide this evidence at a later date, if it is more convenient. However, we strongly advise that you provide it as soon as possible, as your policy will not be valid until you do so.

Simply follow the link below to provide the relevant mobile phone proof.

Mobile Phone Proof Submission

Your Mobile Phone Insurance Direct policy: Policy start date:

In order to validate your policy, we require you to provide photographic evidence of your device displaying your IMEI number. This image needs to be sent to us via email or photo upload.

Until you provide us with the relevant proof, your policy will not be valid.

How to Supply Proof

How to supply proof on an Apple iPhone:

In order to validate your policy, we require you to send a photo of your device displaying the phone's IMEI number on the screen. Not sure what an IMEI number is? Not to worry. Here is a step by step guide to help you find your unique IMEI code.

What should I upload as proof?

Once you have your unique IMEI up on the screen, you will need to place the phone you have insured on a clean flat surface and take a photo of it. The photo must be of relatively good quality taken on either a smartphone or digital camera. You may need to ask a friend or family member to take the picture for you on their phone and then send it to you.

Please be aware that if you fail to provide us with this mobile phone proof, or your IMEI number does not match the device once we receive it, we will not be able to accept your claim.

If you have any further questions about this requirement, please feel free to contact us and a team member will talk you through the process.

DO:

  • Your phone needs to be in full view
  • Your IMEI should be clearly displayed on the screen
  • Your phone should be lying on a flat surface
  • Please take the photo in a well-lit area

 

DO NOT:

  • We do not accept screen shots of the IMEI screen
  • We do not accept doctored or edited images
  • We do not accept images where the device is partially covered
  • We do not accept images where the parts of the phone are cropped out

How do I send the proof?

There are three different ways you can send your proof to us. If you're having trouble sending your evidence, please get in touch – a member of the team will be happy to help.

Option 1: Upload the image of your phone and accompanying IMEI number on this page.

Option 2: Send your image to support@mobilephoneinsurancedirect.com including your policy number.

Option 3: Send the image in a text message to 66677

FAQs

Yes, as long as the phone was purchased from a UK VAT registered supplier within the last 36 months (from your policy start date) and you can provide valid proof of purchase. For the full eligibility rules, see Policy Terms & Conditions.

No. Non-genuine (counterfeit) devices are not covered. Refurbished devices can be covered where they are genuine and supported by a manufacturer warranty or valid proof of purchase (depending on how they were bought). If you’re unsure, check Key Exclusions and Conditions or contact us.

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.


Yes, as long as the purchase meets the policy requirements (for example, bought from a UK VAT registered business or direct from the manufacturer, with valid proof of purchase) and the phone is within the age limits. If you want to double check before you buy cover, see Policy Terms & Conditions or get in touch.

It can still be worthwhile, depending on what you want protection against. Manufacturer warranties often focus on faults and defects, whereas insurance is designed for day-to-day risks.

  • Warranties can be limited: they may not cover accidental damage, theft, or loss.
  • Insurance can broaden protection: cover levels vary by package and what you chose at purchase, as shown on your Schedule of Insurance.
  • Practical support: if you need to claim, you can follow a clear claims process via our claims page.

If you’re weighing it up, you can get an insurance quote and compare it against what your warranty actually covers.

No. The policy covers the device, not the contents. Photos, apps, music and downloads should be backed up regularly to reduce the risk of data loss. For related limitations, see Key Exclusions and Conditions.

You may cancel your policy at any time by visiting this page. It may be worth contacting us by dropping us a direct message or call to see if there's anything we can do to assist before you cancel.

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

If you need to make a complaint, please write to The Scheme Administrator at Mobile Phone Insurance Direct, Evolution House, New Garrison Road, Shoeburyness, Essex, SS3 9BF.

You can also message us via the chatbot on the website or use contact us and a member of our team will get back to you during office hours.

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

Yes. We insure your phone based on its market value. Even if you bought it at a discount, an approved claim would be settled by repair or replacement (or a comparable replacement where needed), in line with the policy. See Policy Terms & Conditions for the full settlement wording.

Great news. Please let us know as soon as possible so we can withdraw your claim. If a replacement has already been sent, we may ask you to return it (ideally in the original packaging). Any excess paid will be refunded in line with the process for your claim. If you need help, contact us.

Please email us via contact us with your policy number and the new device details (including IMEI/serial number). We may also ask for proof of purchase, depending on the change.

Please let us know as soon as possible. Use the chatbot, or reach the team via contact us so we can reinstate your policy and ensure that your mobile phone(s) or gadget(s) remain on cover. Otherwise unfotunately, you may find we will not consider any claims during the period of non-payment.

Yes, please. You can update details using the chatbot on our site, or speak to our team via contact us.

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.

First, notify us of your claim via our claims page. Our advisers will assess the claim and confirm the correct route (including where to send the device, if needed). Please remove your SIM card and any accessories before sending your device.

Our goal is to ensure that your phone is repaired to the highest possible standard, which is why we will not reimburse you for any repairs you do yourself. We only use our specialised and approved repairers who can confidently assess the damage to your mobile phone. This helps us to decide whether to repair or replace the phone.

You will need to check your gadget insurance policy details, but we now provide cover for unlimited claims for loss, theft and damage during each 12-month calendar period of your policy.

There is no minimum period of cover. However, when you purchase annual cover we will contact you approximately two weeks before your renewal date and offer to renew the policy. If you do not tell us that you wish to cancel your policy, we will automatically process your renewal. For the exact wording and cancellation notice requirements, see Policy Terms & Conditions and Cancellations.

Yes. To take out a policy for yourself you must be 18 or over and a UK resident. If you are under 18, a consenting family member can take out the policy on your behalf. Full eligibility details are in Policy Terms & Conditions.

Yes, if your cover includes loss or theft (as shown on your Schedule of Insurance). First, notify your network provider and make sure the device is blocked/blacklisted as soon as possible (within the required timescales). Then report the loss or theft to the police and obtain a crime reference number.

Once that’s done, submit your claim via our claims page or contact us for help. If you are abroad, you’ll also need to report it to the local authorities and obtain a police report to support your claim.

Not necessarily. We do our best to keep our device list up to date, but the mobile phone and gadget market moves quickly. Please contact us with your device details and we’ll confirm whether it’s a model we can cover.

Yes. Our chatbot can help with many questions (click the icon at the bottom right of the screen). If you’d rather speak to a person, you can call us during office hours on 01702 568070 or use contact us.

Yes, you can notify us and we’ll confirm the next steps if the issue falls within your policy terms. If your device has simply stopped working and is still covered under a manufacturer warranty, you should contact the manufacturer first. To start the process, visit our claims page.

You’ll need valid proof of purchase (including the purchase date, make/model, and the IMEI or serial number), and you may also be asked for supporting evidence such as proof of usage (depending on the claim type). The quickest way to get started is via our claims page.

While we always aim to provide complete customer satisfaction, we understand that sometimes things don't turn out the way we expect. Please contact us and we’ll review the situation with you.

Acceptable proof of ownership includes a till receipt or documentation from any online purchase or from your network provider. We may decline your claim if you do not have any proof of ownership.

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.

Your phone will have an IMEI (International Mobile Station Equipment Identity) number. It can be found by dialling *#06# on most phones. You can also find it printed inside of the battery compartment of your phone.

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.

These were sent to you by email upon completing your purchase.

You can read the full policy wording in our Policy Terms & Conditions.

The cover of your mobile phone will apply to you as the person who purchased the mobile phone insurance policy and your immediate family. This includes your mother, father, son, daughter, husband, wife, partner, brother, sister, grandparent or grandchild that permanently live at your given address. It is possible for parents to insure their children's phone on their behalf.

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.

Your insurance is arranged by Pier Insurance Managed Services Ltd and underwritten by Collinson Insurance (a trading name of Astrenska Insurance Limited). For the full wording, see Policy Terms & Conditions.

Your Direct Debit will show as Mobile Phone Ins on your bank statement.

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.

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.

We will aim to replace your device with the same make and model, but if it’s no longer available we’ll provide the nearest comparable model (based on age and condition) or equivalent settlement in line with the policy. See Policy Terms & Conditions for details.

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