Barclays Mobile Phone Insurance vs. Mobile Phone Insurance Direct

How our cover compares to other insurance providers?

Mobile Phone Insurance Direct

14-day money back guarantee

No minimum contract

12-month warranty on repairs

In-house repairs

When choosing mobile phone insurance, it can be a hassle trying to decide which insurance is right for you. As the market expands, there are a huge range of policies to choose from – all with varying levels of cover. How do you decide which insurer is best for you?

To help you make an informed decision, we’ve assessed the benefits and disadvantages of the most common types of insurance provider. Take a look at how our policies compare to mobile phone insurance from Barclays below.

Bank accounts

In return for a monthly fee of £14.50, you can receive Barclays mobile phone insurance included in the Tech Pack which will cover 4 devices each worth up to £1,500. If you have a packaged account, this is also a good option for couples and families as all phones can be covered under the same policy.

Barclays phone insurance is quite comprehensive. It will cover up to 4 devices, will cover them worldwide for damage, theft and loss. However, they limit the number of Loss and Theft claims you can make in a 12 month period whereas Mobile Phone Insurance Direct offers unlimited claims. Moreover, you have to agree to at least a 6-month contract which means you cannot end the contract earlier. MPID do not tie customers to contracts and you can cancel your policy any time. Barclays Tech Pack can be a good choice for households with over 2 phones but if you are looking to getting insurance for yourself or insure 2 devices, MPID will more often than not work out cheaper than Barclays Tech Pack.

Insure your mobile phone with Mobile Phone Insurance Direct

Specialist mobile phone and gadget insurance providers like MPID offer a number of great benefits to their customers.

Compared to other options like Barclays mobile phone insurance, pure play providers usually offer the cheapest policies – without compromising on the quality of service.

We cover loss, theft, accidental damage, mechanical breakdowns and more, giving you peace of mind. With 30 years’ experience, we know how important your device is to you – that’s why we offer a 14-day money back guarantee, as well as a 12-month warranty on all repairs and replacements. What’s more, we’re proud to handle all our claims in-house, so you’ll never be passed onto a third-party repairer.

Unlike other insurance providers whose primary concern is your bank account or your house, MPID is solely concerned with the welfare of your phone. All claims are handled quickly and efficiently; and with unlimited claims and worldwide cover you can relax knowing your precious device is protected anytime, anywhere.

How we compare

When it comes to choosing the policy that’s right for you, it can seem daunting. With so many gadget insurance providers currently in the market, customers have the freedom to choose their level of cover, method of compensation, and much more. Most insurance providers offer cover for theft, loss, mechanical breakdown and accessory cover, but the claims process varies widely between insurers. We’ve laid out how different types of insurers respond to various claims, so you just have to pick the combination that’s right for you.


Standard contents and home insurance usually only replace your device if it was lost in a home burglary, flood, or house fire. More comprehensive policies can also cover in-home accidents if you drop your phone in the toilet or crack the screen.

Bank insurance can be handy if you wish to rely on one insurer for many areas, but often comes with an increased excess when making a loss claim. In many cases you’d save money with a specialist gadget policy elsewhere.

Mobile network providers usually do not cover any unauthorised calls, texts or usage on a lost on stolen device, which can lead to an inflated telephone bill outside of your control. Most insurers also limit the number of claims you can make in a calendar year.

When purchasing insurance from a pure play provider, loss cover can usually be purchased in one of the more premium packages – so you can always trust that your phone will be replaced in a timely manner.


Home insurance will cover you as standard if your phone is stolen in a burglary, lost in a fire or damaged by extreme weather. Unfortunately, it does not offer cover if your device is stolen walking down the street or at a bar – this requires additional personal-belongings cover, which costs extra.

If your phone is stolen and you are insured through your bank, you are usually given standard cover for damage and breakdown, but not for loss and theft. Another issue is that mobile insurance from a packaged bank account often requires a higher excess, but issues a lower compensation fee.

Mobile network providers usually offer standard levels of cover, which includes loss, theft, damage, malfunctions, unauthorised calls and mobile phone accessories.

Network insurers are likely to charge more for the convenience of purchasing complementary insurance for your device.

Through a pure play provider, a replacement device is usually issued with cover for unauthorised calls and messages. You’ll often receive a more efficient service, with replacements being sent out quickly and any claims resolved effectively.


Home and contents insurance usually exclude cover for mechanical breakdowns, regardless of whether it occurred inside or outside of your home. This may be purchased for an additional fee, but you also risk increasing your premiums if you need to make a claim.

Mobile insurance with your bank will often place a limit on the number of claims permitted – usually two within a 12-month period. This could be inconvenient if your own a phone with a tendency to break down at any given moment; you could end up paying more to insure your mobile phone than necessary.

Mobile network providers usually work on an exclusive basis; often you need to have already purchased a phone from them first. If you purchased your phone through a different network or from another provider, you cannot receive any of their mobile phone insurance benefits.

With a pure play provider, repairs are unlimited, so you can claim at any time within your insurance period. A pure play provider offers a more effective insurance package for any phone if it is no older than 36 months. We also offer a 12-month warranty on all repairs and replacements.


Home and contents insurance providers often do not provide insurance for any accessories related to your device – this means if you lose your headphones or damage your charger, you won’t be covered.

Premium bank accounts usually include cover for your accessories, but with a maximum value limit, and only if they were lost, damaged or stolen at the same time as your mobile phone.

Through a mobile network provider, you often cannot make accessory-only claims. Any claims must be made alongside a claim for the lost, theft or damage of your mobile phone.

With a specialist provider like Mobile Phone Insurance Direct, accessory cover is included within the monthly premium. Other insurers also offer this benefit, but for an additional cost.

30 Years Experience in the Mobile Phone Insurance Market

By choosing to insure your mobile with MPID, you’ll benefit from over 30 years of experience across our dedicated, expert team. If you want to someone who cares about your phone as much as you do, look no further.

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We never outsource your claims
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Friendly UK-based customer service team
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Over 1 million devices insured