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90% of British children between the ages of 8 and 14 now own a mobile phone*, and with the new school year having just started it’s more important than ever to keep their mobile phones safe.

If you haven’t already, you might want to consider insuring your child’s phone so that it can be repaired or replaced should it be dropped, lost or stolen. Most insurance providers will only cover people 18 years and over, but at tinhat that doesn’t stop you from getting your child’s phone covered. All of our policies cover use by immediate family, and so you can insure the phone in your name and still cover its use buy your child – whether at home, out and about or at school or college.

If your child reaches 18 during the policy period you can easily switch the policy holder, and we don’t charge any administration fee for this.

Key exclusions

The usual exclusions apply, so you should read the policy terms and conditions before purchasing. To ensure that your child’s phone is covered it’s important that they take reasonable precautions to prevent their phone from being damaged, lost or stolen. For example, if your child’s mobile phone was stolen while left in an unsecured locker, the phone wouldn’t be covered.

How much does it cost?

Insuring your child’s phone in this way costs no more than our standard insurance policies, and premiums start from as little as £4.49 a month. Click the button below to insure your child’s phone in your name today:

*statistics taken from

Thinking about buying your next mobile phone from O2, or already have one? If it’s an expensive phone you’re probably wondering what the best way to protect it is, and there are loads of options available to you. In this article we take a look at the pros and cons of each, but if you’ve already done your research feel free to get a quote from us by clicking the button below:

What We Cover

Breakdown Cover Icon

Breakdown Cover1

Covers you for repairs and replacements to your device if it suddenly stops working outside the manufacturers warranty.

Battery Cover Icon

Battery Cover

Covers you for repairs and replacements to your battery if it suddenly stops working outside of the warranty.

Theft Cover

Covers you for any loss resulting from your device being stolen, as long as it is in your possession or stored in a secure place out of sight.

Water Damage Cover Icon

Liquid Damage

Covers you for any accidental damage to your device that results from splashes or full immersion.

Worldwide Cover Icon

Worldwide Cover

This policy keeps you covered for the use of your device anywhere in the world. Unlike many insurers there is no limit on the length or number of trips.

Screen Cover Icon

Accidental Damage

Covers accidentally cracked screens and any other damage that prevents your device from functioning normally. Accidental damage does not cover general wear and tear or purely cosmetic damage.

Contract Cover Icon

Contract Cover

Claim up to £50 per month, for up to 6 months for your Mobile Phone line rental if you lose your job through no fault of your own.

Headphone Cover Icon

Accessories Cover

We’ll replace any accessories (up to £150) if they are damaged, stolen or lost at the same time as your device regardless of whether they were supplied with the device or not.

Loss Cover Icon

Loss Cover*

Covers you for the replacement of your Mobile, Tablet or Smartwatch if you accidentally lose it. Please note that loss cover isn’t available on any other types of device.

Unlimited Claims Icon

Unlimited Claims

Unlike many insurance providers, we don’t limit the number of claims you can make on this policy.

Unauthorised Usage Icon

Unauthorised Usage

If your Mobile Phone is lost or stolen we will cover up to £2,500 of unauthorised calls.

Family Cover Icon

Family Use

All our policies cover your device when being used by your immediate family , i.e. your mother, son or your domestic partner.

* Loss cover is only available  for Mobiles, Tablets and Smartwatches.

1 Laptops not included.