Mobile Insurance £41.49 per year - £25 excess (Devices valued up to £1000)
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Mobile Insurance £41.49 per year - £25 excess (Devices valued up to £1000)

14
Found 25th May 2016
I know phone insurance isn't for everyone and it's not something I'd bothered with before but when I bought my 6S Plus I knew I'd need something as there is no way I could afford a replacement. I've never lost a phone or had one stolen but I have had the odd cracked screen.

I was looking for a decent yet competitive quote and a lot of brokers seem to want to charge a £100 excess irrespective.

Insure and Go's Standard cover, covers mobiles and tablets worth up to £1000 for the same flat price. So this is going to be great value for top end Samsung and Apple devices, less so for lower end devices obviously. You can also choose your excess - I've picked £25.

Standard Cover protects you against accidental, mechanical and water damage. Their theft and loss cover doesn't seem as great value (£98) but it entirely depends really on if you lose you're phone that often!

You have to pay the premium up front. So you're first repair/replacement would essentially cost £66.49. A second repair/replacement (if you needed it) would just cost the excess of £25. You're allowed 2 successful claims per annum/policy.

So, you could in theory have 2 replacement phones for £91.49 over the course of 12 months. So if you're rocking an S7 Edge or 6S Plus, that seems great value if you've got a habit of dropping your phone in the toilet!

As I said, I know mobile insurance is not for everyone but seems good value.
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good find, has anyone looked through the small print? do they require receipt of purchase etc? anyone had any successful claims with them?
Original Poster
They want proof of purchase and imei. I think they get proof of usage from network when you claim so you don't already have an unworking phone before taking out the policy - if that makes sense?

They're rated 9.1/10 on trustpilot out of 10k reviews so not bad. Course they do all sorts of different insurance so that's not just gadget. Don't know whether different underwriters provide different forms of insurance they sell.
Son 1 lost his S6 in Thailand in January, had it 3 months. Didn't think it was worth getting!!!

Good find OP.
Does not cover loss or theft unless you pay £99, so it's a cold from me.

Does not cover loss or theft unless you pay £99, so it's a cold from me.



...but for people who don't this is a good deal.

As for Trustpilot, I wouldn't be so sure they're all genuine reviews, the amount of fake ones that go around on there is unreal.
Original Poster
M0nk3h

...but for people who don't this is a good deal.As for Trustpilot, I … ...but for people who don't this is a good deal.As for Trustpilot, I wouldn't be so sure they're all genuine reviews, the amount of fake ones that go around on there is unreal.



Good to know. Never really had a proper look but thanks for the heads up!
Son dropped his samsung s5, cracked screen, cost me £120 for a replacement screen . Maybe this insurance would have helped
Don't most home contents insurance already cover this? And if you don't have, well you really should be getting it before worrying about phone insurance.
I pay £10 a month for Nationwide flexplus account. for that I get mobile phone insurance for the whole family, car break down cover, an extra years insurance on any white goods I purchase, 3% on my savings and world wide travel insurance..... nationwide.co.uk/pro…its
barclays tech pack, £9.50 per mth, worldwide cover, can cover 2 mobiles phones with android devices £50 excess, no matter value,covered for everything btw, prices also includes cover for £1500 worth of gadgets again wwide, which includes ps4/xbox as considered gadgets....so you could have 2 phones registered, an apple mac laptop and your ps4 covered for £9.50 p mth....imo better deal, and can cancel at any time at no charge
Original Poster
DazLFC

barclays tech pack, £9.50 per mth, worldwide cover, can cover 2 mobiles … barclays tech pack, £9.50 per mth, worldwide cover, can cover 2 mobiles phones with android devices £50 excess, no matter value,covered for everything btw, prices also includes cover for £1500 worth of gadgets again wwide, which includes ps4/xbox as considered gadgets....so you could have 2 phones registered, an apple mac laptop and your ps4 covered for £9.50 p mth....imo better deal, and can cancel at any time at no charge



That sounds pretty competitive. Just couldn't face leaving first direct.
sihaworth

That sounds pretty competitive. Just couldn't face leaving first direct.



​I moved from Barclays to First Direct a couple of years ago, but kept the joint Barclays account my wife and myself have that we transfer the money into for the bills each month solely for the mobile phone insurance (got my Galaxy S5 and my wifes LG G5 covered on it and I still don't think it's too bad a deal even though it's gone upto £9.50 as they have paid out in the past with no issues and I've heard they provide good cover around the world).
Dragon32

​I moved from Barclays to First Direct a couple of years ago, but kept t … ​I moved from Barclays to First Direct a couple of years ago, but kept the joint Barclays account my wife and myself have that we transfer the money into for the bills each month solely for the mobile phone insurance (got my Galaxy S5 and my wifes LG G5 covered on it and I still don't think it's too bad a deal even though it's gone upto £9.50 as they have paid out in the past with no issues and I've heard they provide good cover around the world).



​yeah forgot to mention, on a joint account you still only pay £9.50 but can cover 4 phones instead of 2
benjai

Don't most home contents insurance already cover this? And if you don't … Don't most home contents insurance already cover this? And if you don't have, well you really should be getting it before worrying about phone insurance.



Most do, but excess charges are normally high, it takes a while to sort the claim, and your premiums would go up by more than the cost of this policy the following year. In my experience, anyway.
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