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Refurbished Mobile Phone Insurance

Second-Hand Phone Insurance from MPID

Refurbished phone insurance with unlimited claims, 12 month warranty on repairs, UK customer service, and 14-day money back guarantee.

Get a Refurbished Phone Insurance Quote

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Who Can Insure a Refurbished or Second-Hand Phone?

We insure Grade A refurbished devices, provided they meet the following criteria:

  • Purchased from a UK VAT-registered seller.
  • Comes with a 12-month warranty.

Whether it’s a refurbished iPhone, a pre-owned Android, or a second-hand Google Pixel, you can count on us for tailored protection.

Refurbished phone cover: what to check before you buy

If you’ve bought a refurbished handset (including a refurbished iPhone), the key thing is understanding what events the policy can cover and what evidence you may need if something goes wrong. Before you buy, take a minute to read the key exclusions and conditions and check the policy excesses so you know what isn’t covered and what you’d pay if you ever need to claim.

Why Choose Mobile Phone Insurance Direct?

At Mobile Phone Insurance Direct, we pride ourselves on being a no-nonsense insurance provider, delivering comprehensive cover at competitive prices. Here’s why thousands of customers trust us:

  • Customer service based in the UK: Speak to a knowledgeable team when you need support.
  • Instant phone protection: Your cover starts as soon as you complete the sign-up process.
  • 14-day money-back guarantee: Change your mind? No problem—cancel within 14 days for a full refund.
  • Tech-savvy expertise: Backed by a team with over 50 years of experience in insurance and telecoms.
  • Simple claims process: Quick and hassle-free, ensuring minimal disruption to your day.
  • Excellent customer reviews: Rated highly by our customers for service, price, and ease of use.

Refurbished Phone Insurance Packages

We offer three levels of cover to suit your needs and budget:

FeatureEssentialPlusPremium
Loss✘✘✔
Theft✘✔✔
Accidental Damage✔✔✔
Airtime Abuse✘£5,000£10,000
Accessory Cover (£150)✔✔✔
Worldwide Cover✔ (Unlimited)✔ (Unlimited)✔ (Unlimited)
Mechanical Breakdown✔✔✔
Cracked Screen✔✔✔
Liquid Damage✔✔✔
Claims Per Year✔ (Unlimited)✔ (Unlimited)✔ (Unlimited)

What Does Refurbished Phone Insurance Cover?

Our policies provide robust protection, including:

  • Accidental damage: Covers repairs or replacements for drops, cracks, and spills.
  • Theft (Plus and Premium): Ensures a replacement if your phone is stolen.
  • Loss (Premium only): Ideal for those prone to misplacing their devices.
  • Mechanical breakdown: Covers faults after the manufacturer’s warranty ends.
  • Liquid damage: Protects against water-related mishaps.
  • Accessory cover (£150): Replacement for damaged or stolen chargers, cases, and headphones.
  • Worldwide cover: Unlimited protection no matter where you are.
  • Unlimited claims: No cap on the number of claims you can make each year.
  • Airtime abuse (Plus and Premium): Protects against unauthorised usage of up to £10,000.

How to Insure a Refurbished Phone

Getting covered is easy:

  1. Check eligibility: Ensure your refurbished phone is Grade A, bought from a UK VAT-registered seller, and comes with a 12-month warranty.
  2. Get a quote: Our simple system provides a quote in less than 20 seconds.
  3. Choose your package: Select the level of cover that suits your lifestyle.
  4. Relax: Enjoy instant protection and peace of mind.

Damage and cracked screens

Accidental damage cover can include cracked screen damage (subject to your policy terms, conditions, exclusions and your Schedule of Insurance).

Mechanical breakdown

Mechanical breakdown cover applies to faults outside the manufacturer’s warranty (as defined in the policy), subject to your policy terms and your Schedule of Insurance.

Theft cover options

Theft cover is available on Plus and Premium (and any airtime abuse cover is linked to theft), subject to the policy terms and your Schedule of Insurance.

Loss cover (Premium)

Loss cover is available on Premium where shown on your Schedule of Insurance, subject to your policy terms, conditions and exclusions.

FAQs

Yes, as long as it’s Grade A, comes with a 12-month warranty, and was purchased from a UK VAT-registered seller.

Our Premium plan offers comprehensive cover, including theft, loss, accidental damage, and up to £10,000 airtime abuse.

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.

Yes, in many cases. Second-hand or used devices can be covered where they were purchased directly from the manufacturer or from a UK VAT registered business (as set out in the policy) as part of our refurbished phone insurance, and you can provide valid proof of purchase. The device must also be within the policy age limits. See Policy Terms & Conditions for details.

Yes, all our packages include cover for breakdowns after the manufacturer’s warranty expires.

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.

See full FAQ

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

Last modified: 6th January 2026
Last modified: 6th January 2026