Home and Contents Insurance
Home and contents insurance is a great way of ensuring that everything in your home is protected should the worst happen. Whether it’s accidental damage, a theft, or a fire, if you have contents insurance, you’ll easily be able to replace your mobile.
This would be perfect if you didn’t have to leave the house every now and then. Unfortunately, most home and contents policies do not cover your items when you are outside the home, so if you should accidentally drop your phone whilst popping to the shops for a pint of milk, you may have to pay through the nose to fix it. Fortunately, Tesco’s Home and Content Insurance does offer an additional cover for expensive items that frequently leave the home with you – as long as they do not exceed £2000. So it is possible to keep your phone safe with Tesco mobile phone insurance, however, you will have to pay extra on top of your original contents cover.
If you’re seriously concerned about the prospect of accidentally damaging your phone, or it being stolen and not being covered, it’s always a good idea to go with a specialised insurer like Mobile Phone Insurance Direct. Rather than covering your entire home just to ensure that your phone stays safe, we offer tailored plans that suit you. Furthermore, the excess you pay with us could be far cheaper than the excess on a home insurance plan. For example, on a 64GB iPhone 8, you could pay a £50 excess on a claim, whereas a home and contents excess would be considerably more.
One of the most stressful times to damage or lose your mobile is when you’re abroad – and many insurers recognise this. Whilst it’s always a good idea to procure travel insurance before you start jet-setting, especially in case of a medical emergency, most insurers will not cover your personal belongings in a basic plan. However, there are options to add personal belongings to your insurance so that if your mobile is broken, lost, or stolen, you’re covered.
Unfortunately, while Tesco’s Single Trip Travel Insurance does offer cover for personal belongings, at an extra cost, it completely excludes mobile phones. So, if you’re hoping for mobile phone insurance from Tesco while you’re travelling, you’ll be disappointed. By comparison, Mobile Phone Insurance Direct offers worldwide cover for the duration of your policy. So regardless of whether you opt for annual cover or on a month by month basis, you can travel safe in the knowledge that your mobile is protected against whatever the big wide world can throw at it. And the best part? Worldwide cover in included in all three of our plans, from unlimited in the Premium tier to 60 days of cover in our Essential bracket.
Insurance Through the Network Provider
Most, if not all, mobile phone networks offer insurance plans when you buy a new handset or take out a new contract. These usually cover a whole range of potential problems, including minor and major damage, theft, and loss. However, while the breadth of cover can be hard to beat, it does come at a price, with many providers opting for blanket monthly fees and premiums (on top of what you’re paying for the phone) regardless of the length of your contract or the age and model of your handset. It’s very likely that someone with an outdated phone could be expected to pay the same premiums as someone with the latest device.
This is one department where Tesco Mobile Phone Insurance does offer something a little different. Rather than universal premiums for all their customers, there is a variety of bands that your device could fall under, which decreases your monthly payments as well as the excess in the event of damage. This ranges from as little as £4 a month with a damage excess of £25 to £12 a month with an excess of £85. Of course, this depends entirely on the make and model of your device and is at the discretion of the network provider, so you’re not always going to be guaranteed savings.
Mobile Phone Insurance Direct, as a pure play provider, does offer a sliding scale of monthly cost depending on the age of your device. For example, you can get Premium Cover on an iPhone 5c for just £6.48, while a brand-new iPhone X would be £11.99. Additionally, the average excess charge you can expect to pay is just £50, so if you’re worried being out of pocket if you lose your latest handset, don’t be. And while Tesco’s mobile insurance offers only apply to users of their network, our prices are available across the spectrum, so nobody will miss out.