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Nationwide Mobile Phone Insurance vs. Mobile Phone Insurance Direct

How our cover compares to other insurance providers

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14-day money back guarantee

No minimum contract

12-month warranty on repairs

UK based in-house claims team

When it comes to picking the best phone insurance, there are a lot of options available. Whether you’re looking at cover from an independent insurer like Mobile Phone Insurance Direct or choosing to go through your network provider or bank, it’s important that you get the best policy to suit your device and lifestyle.
To help you make a more informed decision, we’ve assessed the pros and cons of mobile phone insurance from Nationwide, looking at what they offer in their various policies. With this information, you’ll be able to compare their offering to ours before committing to a purchase.

Mobile Phone Insurance from Nationwide

Home and Contents Insurance


As with other banks, it is possible to benefit from mobile phone insurance when you take out a home and contents insurance policy with Nationwide. While this is slightly indirect – you won’t actually be insuring your device, but will be able to claim if it’s damaged in your home – it can be a good way of avoiding having to pay for multiple policies. Just so long as you’re comfortable with the downsides.

Nationwide’s home and contents insurance covers up to ÂŁ50,000 worth of good in the home, which is more than enough to protect your mobile device. However, the standard policy does not cover mobile phones and gadgets and you need to add the optional Out and About cover which will cover your device and gadgets not only within the house but worldwide (for 90 days), whereas MPID’s cover offers Unlimited Worldwide Cover.

The main issue with optional extras is that they will increase your monthly premiums, making them more expensive than a basic smartphone insurance policy. What’s more, if you do have to make a claim, your premiums will increase across the board, not just for the item you claimed for.

Bank Account Cover

Bank Cards

Another easy way to get Nationwide mobile phone insurance is through the FlexPlus current account. When you take out this bank account in your name, one of the added benefits is worldwide family phone insurance, which protects all of your family’s devices against loss, theft, and accidental damage, up to the value of £1,500.

This also covers your device against unauthorised calls(within the first 24 hours), as well as accessories cover if they’re damaged or stolen at the same time.

While this is one of the most robust mobile phone insurance policies offered as part of a bank account, there are still some drawbacks. These include the inability to make more than 4 claims in a year (presumably, one for each family member) and the hefty excess charges that apply, which could be up to ÂŁ125 (MPID start at ÂŁ400. Furthermore, the bank account costs ÂŁ13 a month to maintain, which is slightly more expensive than dedicated mobile phone insurance, however, if you can enjoy the extras, it may be worth the investment.



What MPID Offer


Compared to mobile phone insurance from Nationwide specialist providers usually offer the cheapest policies – without compromising on quality.
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.

30 Years Experience in the Mobile Phone Insurance Market

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

We never outsource your claims

Friendly UK-based customer service team

Over 1 million devices insured