Smartphone lies broken between owners shoes

Do you need a mobile phone insurance?

Once you have bought yourself a new phone, it is worth considering whether or not you will need to buy insurance cover. Mobile phone insurance can cover theft, accidental damage, water damage and also fraudulent use, but it is very important to check a policy terms and conditions thoroughly before you sign up to see exactly what you are covered for.

But before you agree anything, think if you do really need it?


Do you have an expensive smartphone that you would not be able to cover the cost of a like for like replacement?

Do you have a bad history with mobiles – any lost or broken handsets in the past?

If the phone was broken, would you like to have another of the same model/specification?

Do you need the phone for everyday use? It is important to consider what would happen if it was broken with no immediate replacement handset in your household for you to use.

If you answered yes to the majority of these questions, it is probably worth taking out a handset insurance policy.


Is your handset a lot older than current phones on the market?

If your phone was broken, would you be able to pay for a new handset?

Do you have a good history with mobiles – with no lost or broken beyond repair handsets in the past?

Are you already covered elsewhere? Check your home insurance or contents insurance policy as this sometimes includes electrical devices away from home. Also, your mobile phone is sometimes covered by your bank account.

If you answered yes to the majority of those questions, it is clear that mobile insurance isn’t going to be right for you.

If you do decide on insurance

If you do decide to go ahead and source insurance for your mobile, it is worth looking at the current insurance policies that you have or what deals your bank has on – a few high street banks offer gadget insurance as part of their current accounts, or as an add on with other policies.

Also, it is worth seeing if you are insured via home or contents insurance that you may already have and if so, make sure you ask what the policy covers – would you get a replacement phone if yours needs to be repaired. Do they cover accidental damage?

It is also a very good idea to find out how much the excess is on any policy, as you will normally need to pay this upfront before any claim or repair can be completed.

Final thought

Here are the top reasons for mobile phone claims below – it would be a good idea to make sure these are covered in any policy you did consider signing up for!

  1. Cracked or broken screen
  2. Lost or missing phone
  3. Stolen phone
  4. Phone dropped down the toilet
  5. Phone not charging

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