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How to compare mobile phone insurance?

Lucie Spraggs's picture


Oxford based insurance company

It’s well worth finding the best deal when it comes to insurance, but exact cover will vary from policy to policy. So, make sure you know what you’re buying and that your insurance has the cover features you need.

1. Price

Price is always a good place to start when you are looking on comparison sites. You definitely need to know that you’re getting the best service for your money.

One thing worth noting is that many insurance companies will offer you reduced price if you pay upfront.

For example you may find that you’ll get a month free if you pay annually.

2. Excess

You ideally want your excess to be low. But these can vary based on the value of your phone or how much premium you are paying. Some companies will have a larger excess if you pay reduced monthly premiums.

3. What’s covered?

The 3 most important things to check you’re covered for are:

  • Accidental damage
  • Theft
  • Loss

In addition you may also find the following are covered (but it is definitely worth checking the policy wordings:

  • Liquid damage
  • Breakdown
  • Worldwide cover
  • Accessories cover
  • Unauthorised usage

4. Defaqto rating

Insurance comparison sites often display each companies defaqto rating. A defaqto star rating is based on fact not opinion and is given based on the jargon and small print found in each company’s terms and conditions.

‘A 1 Star Rating indicates a basic product, with a low level of features and benefits, while a 5 Star product provides one of the highest quality offerings in the market.’ – defaqto

Looking at defaqto rating is a great way to find out how different insurance policies compare without reading all the T&Cs.

5. Claim limit (claims allowed)

What many people don’t realise when they buy insurance for their phones is that some policies have a claims limit. This might be limited to £1,000 per phone or simply the number of times you can claim in a year.

Some customer’s find that the price limit doesn’t cover the value of their phone, or that they find themselves paying out to repair/replace their phone if they’ve previously claimed.

It’s worth finding a policy that allows for unlimited claims.






Defaqto rating

Claims allowed

(1 month free if paid annually)

£75 Accidental damage: yes Theft cover: yes Loss cover: yes **** Unlimited

*Based on Tinhat full cover for the iPhone XR 64GB (10/10/2019)