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Bank Accounts Who Supply Insurance Cover For A Grey Import Smartphone (List Of 4)
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Bank Accounts Who Supply Insurance Cover For A Grey Import Smartphone (List Of 4)

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Posted 14th MayEdited by:"MrSwitch"

This deal is expired. Here are some options that might interest you:

I Thought I'd give you a list of some mobile phone insurance providers (packaged accounts) that cover grey imports, or any mobile phone in general.

I post a few deals from Chinese import sites, so thought I'd give you this rundown, as it may be worth considering if you've bought an expensive phone recently, and they come with limited warranty from the retailer.

The accounts below offer a lot more benefits including travel cover etc, so maybe look at what they offer as a whole package before deciding to part with your hard earned.

Mobile phone insurance covers repair or replacement after theft, loss, damage or breakdown for all handsets.

It's NOT as quick as mobile network cover either.

And you may need to activate the insurance.

Natwest only provide insurance after manufacturer warranty has expired, however as most Chinese imports don't come with one, you should get the cover straight away.

The 4 below I know do, maybe you have more?


3229881.jpgBarclays Tech Pack | £12.50 Per Month [£75 Excess] Covers 2 Phones | Max £1500 Per Claim
barclays.co.uk/ins…ce/


3229881.jpgHalifax Ultimate Reward | £15 Per Month [£100 Excess] Covers 1 Phone | Max £2000 Per Claim
halifax.co.uk/ban…nt/


3229881.jpgNatwest Reward Silver | £10 Per Month [£100 Excess] Covers 2 Phones | No Limit Per Claim
personal.natwest.com/per…tml
Register your phone here


3229881.jpgNationwide Flex Plus | £13 Per Month [£50 Excess - £100 IPhones] Covers 4 Phones | £1000 Per Phone
nationwide.co.uk/pro…its
Summary of Cover

Hopefully this helps some of you who don't trust the Chinese sites.

Always pay by credit card or PayPal where available for that extra comfort and peace of mind!

If I have missed any be sure to let me know.
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Top comments
I think nationwide is the best value for money, you get cover for other things too for the £13 a month
Nationwide is the best!!
I'm looking forward to Mr Switch releasing his autobiography

50 Shades of Grey... Imports
I use nationwide too +1

Also if non-Apple "Excess if your phone's damaged or breaks down - £25"
112 Comments
Having a nice chat with Dianne from Halifax confirmed this (Dianne: Thanks for waiting online. The mobile phone insurance will cover any type or unit of the phone.)

(As long as you have registered the phone.)
I think nationwide is the best value for money, you get cover for other things too for the £13 a month
I use nationwide, my Nokia 7 plus went wrong so put in a claim the other day.
Barclays tech pack covers other gadgets like laptops etc...
Halifax was good when the Excess was £30.00 for normal phones and a higher price for Iphones.

When they put it up I cancelled my ultimate account I never go overboard with phones and none them justifiy such a high excess
Nationwide is the best!!
I use nationwide too +1

Also if non-Apple "Excess if your phone's damaged or breaks down - £25"
pablomalin14/05/2019 13:05

It's for lost or stolen.


Ah, cheers, didn't read it properly, will delete comment, thanks for pointing that out
Damn when did price of barclays tech pack increase? I remember paying £7.50 for more than two years straight a few years back. Didnt even make a claim and ended up paying more than cost of the phone.
Edited by: "xPabloz" 14th May
I have an Xperia XZ bought on facebook new for £170.00 ( in 2017!)
Still going strong... If I lose or break the screen... I can get a refurbished one for less than £100.00 instead of paying the excess
Nationwide insurance provider asks for a proof of ownership incl. IMEI number, so keep your receipts where you can find them.
gcmarcal14/05/2019 13:08

I have an Xperia XZ bought on facebook new for £170.00 ( in 2017!) Still …I have an Xperia XZ bought on facebook new for £170.00 ( in 2017!) Still going strong... If I lose or break the screen... I can get a refurbished one for less than £100.00 instead of paying the excess


I guess the other benefits outweigh the phone excess, I don't know!
MrSwitch14/05/2019 13:12

I guess the other benefits outweigh the phone excess, I don't know!


Not anymore!

The travel insurance ... You can get for 30ish yearly from somewhere else
Breakdown cover Can be had for 17 is ( groupon/ Woucher)
House repair insurance call out: Useless!! They use to pay up to £250.00 for the repairs and they contractors will ensure to charge you more than that!

a company called assurant solutions do the insurance for a lot of the banks
gcmarcal14/05/2019 13:17

Not anymore! The travel insurance ... You can get for 30ish yearly from …Not anymore! The travel insurance ... You can get for 30ish yearly from somewhere elseBreakdown cover Can be had for 17 is ( groupon/ Woucher)House repair insurance call out: Useless!! They use to pay up to £250.00 for the repairs and they contractors will ensure to charge you more than that!


But overall nationwide are best?
gcmarcal14/05/2019 13:17

Not anymore! The travel insurance ... You can get for 30ish yearly from …Not anymore! The travel insurance ... You can get for 30ish yearly from somewhere elseBreakdown cover Can be had for 17 is ( groupon/ Woucher)House repair insurance call out: Useless!! They use to pay up to £250.00 for the repairs and they contractors will ensure to charge you more than that!


They provide European cover not sure if it would be included for £17. If you keep £2500 balance you get few quid in interest, that experia you mentioned would be fixed for £25 excess I believe.
MrSwitch14/05/2019 13:20

But overall nationwide are best?


I would say so! But I don't want change banks atm even though Halifax went downhill with their benefits
NatWest silver account gives you a tastecard too
gcmarcal14/05/2019 13:21

I would say so! But I don't want change banks atm even though Halifax went …I would say so! But I don't want change banks atm even though Halifax went downhill with their benefits


Yeah, I agree about that one
pablomalin14/05/2019 13:21

They provide European cover not sure if it would be included for £17. If …They provide European cover not sure if it would be included for £17. If you keep £2500 balance you get few quid in interest, that experia you mentioned would be fixed for £25 excess I believe.


I don't think Halifax provides European breakdown cover!


AA Breakdown Cover including Home Start provided by Automobile Association Developments Limited (trading as AA Breakdown Services).
  • Breakdown assistance when you need it most - at home or on the roadside
  • You're covered as a driver or passenger in any eligible vehicle.
  • Covers you in the UK, Channel Islands and Isle of Man
  • Cover includes:
    • Roadside Assistance
    • Home Start
gcmarcal14/05/2019 13:23

I don't think Halifax provides European breakdown cover! AA Breakdown …I don't think Halifax provides European breakdown cover! AA Breakdown Cover including Home Start provided by Automobile Association Developments Limited (trading as AA Breakdown Services).Breakdown assistance when you need it most - at home or on the roadsideYou're covered as a driver or passenger in any eligible vehicle.Covers you in the UK, Channel Islands and Isle of ManCover includes:Roadside AssistanceHome Start


I was talking about Nationwide, sorry. Go through refer a friend and get the first year covered by the bank. result!
Used Nationwide insurance a few weeks ago on my S7 Edge, was worried about the proof of ownership since I don't have one having bought it locally from an ad but didn't even ask me for one. Come to think of it, didn't ask for one few years ago when had a claim but not to say you shouldn't keep your receipts safe.

£25 excess for damage claim (£50 if you lose it), phone damaged on Tuesday and claim accepted and posted the same day, received the phone back on Friday in as brand new condition.

Compared to other providers, I believe Nationwide also the only one providing cover for the whole family, which is good when you have clumsy family members

Really is good value for money if you use all the benefits on that account.
Edited by: "neoboy" 14th May
neoboy14/05/2019 13:27

Used Nationwide insurance a few weeks ago on my S7 Edge, was worried about …Used Nationwide insurance a few weeks ago on my S7 Edge, was worried about the proof of ownership since I don't have one having bought it locally from an ad but didn't even ask me for one. Come to think of it, didn't ask for one few years ago when had a claim but not to say you shouldn't keep your receipts safe.£25 excess for damage claim (£50 if you lose it), phone damaged on Tuesday and claim accepted and posted the same day, received the phone back on Friday in as brand new condition.Compared to other providers, I believe Nationwide also the only one providing cover for the whole family, which is good when you have clumsy family members Really is good value for money if you use all the benefits on that account.



I bet they would have asked if it was S10+
If you're paying a monthly fee for the account and it's cover why do you still have to pay excess?
And if you can keep a £2.5k balance in your FlexPlus account, they pay you £6 interest monthly, making the net cost £7.

nationwide.co.uk/pro…fts
pablomalin14/05/2019 13:32

I bet they would have asked if it was S10+


Probably for more expensive items, although when I did a claim for a Sony Z3 some years back which was only released for a few months they didn't ask for it either. Nor when had to get it repaired again after only two months again, that family member got a stern lesson in looking after expensive things

Just my personal experience though, I don't advocate throwing your receipts away or that they will automatically cover you without proof of purchase, they do clearly state you need it on the documents.
Edited by: "neoboy" 14th May
AndyScorp14/05/2019 13:35

If you're paying a monthly fee for the account and it's cover why do you …If you're paying a monthly fee for the account and it's cover why do you still have to pay excess?


So insurance companies can make more money from you

But that's basically how just about every single insurance product in the world works.
AndyScorp14/05/2019 13:35

If you're paying a monthly fee for the account and it's cover why do you …If you're paying a monthly fee for the account and it's cover why do you still have to pay excess?


To avoid chancers "losing" their phones every year!
neoboy14/05/2019 13:39

So insurance companies can make more money from you But that's …So insurance companies can make more money from you But that's basically how just about every single insurance product in the world works.


Thought that was probably the reason aha. For me it's a bit ridiculous, if you're paying them a monthly fee that should be that. £50 to £100 excess is a lot really especially if the phone you bought cost only around £200 in the first place
I'm looking forward to Mr Switch releasing his autobiography

50 Shades of Grey... Imports
AndyScorp14/05/2019 13:47

I'm looking forward to Mr Switch releasing his autobiography50 Shades of …I'm looking forward to Mr Switch releasing his autobiography50 Shades of Grey... Imports


pablomalin14/05/2019 13:21

They provide European cover not sure if it would be included for £17. If …They provide European cover not sure if it would be included for £17. If you keep £2500 balance you get few quid in interest, that experia you mentioned would be fixed for £25 excess I believe.


Exactly this. I have 3 cars so the cover alone for breakdown makes the Nationwide account worth it. Plus worldwide family travel insurance (Which I have made a personal injury claim on in the past and they were faultless with their service), credit interest (Keep a low running balance but usually get £2 month interest), phone cover for all the family at same address with a low excess for non iPhones (Had a new screen on S8+ two months after launch and was back as new within two days of posting. Can't fault them at all.
I pay for house and gadgets in the house 22.50 a month at Barclays. I've got a quote about Huawei p30 pro and the fee on top it was £50. I don't think is to bad at this money.
Mike200514/05/2019 14:13

I pay for house and gadgets in the house 22.50 a month at Barclays. I've …I pay for house and gadgets in the house 22.50 a month at Barclays. I've got a quote about Huawei p30 pro and the fee on top it was £50. I don't think is to bad at this money.


Was looking to get gadget insurance myself, just wondering what the max gadget value you're covered for in that price? Need insurance to cover my over 2k macbook.

Also is there a max limit as to how old you phone, laptop etc needs to be?
Edited by: "xPabloz" 14th May
xPabloz14/05/2019 14:20

Was looking to get gadget insurance myself, just wondering what the max …Was looking to get gadget insurance myself, just wondering what the max gadget value you're covered for in that price? Need insurance to cover my over 2k macbook


Surely your house contents insurance covers this? I have accidental and away from home cover on my house insurance.
jrw14/05/2019 14:24

Surely your house contents insurance covers this? I have accidental and …Surely your house contents insurance covers this? I have accidental and away from home cover on my house insurance.


I dont have one yet...
xPabloz14/05/2019 14:32

I dont have one yet...


Are you homeless then? Even if you live in rented you should have contents cover.
jrw14/05/2019 14:46

Are you homeless then? Even if you live in rented you should have …Are you homeless then? Even if you live in rented you should have contents cover.


Not homeless but never really got chance to get one.
Do t forget nationwide also give a high interest rate for the first 2000 of something of savings...cabt remember exactly but you get back about 6 quid on interest every month just leaving saving there.. Off sets the account rate.
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