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Mobile Phone Insurance

From just £1.99 a month

Mobile Phone Insurance

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Save 10% off your premium when you order mobile insurance online today! Simply click the button below and enter the voucher code FLASH10 during checkout. Offer ends Tuesday 22nd April.


Check out our business phone insurance if you're insuring your phones on behalf of a company. For more information about our mobile insurance you can jump to a specific section using the quick links below or start scrolling down the page.


What's covered?

We offer cheap mobile insurance for all makes and models - including iPhone, Samsung, HTC, and Sony. The premium you pay depends on the value of your phone, so our policies can start from as little as £1.99 a month (or £21.89 annually). Our policies cover you against:

Cracked screen and liquid damageAccidental damage (including liquid damage)

Covers accidentally cracked screens, dropping your phone in the toilet, and any other damage that prevents the phone from functioning normally. Accidental damage does not cover general wear and tear or purely cosmetic damage.

Mechanical breakdown outside warrantyMechanical breakdown

Covers you for repairs and replacements to your phone if it suddenly stops working outside the manufacturer's warranty. By renewing your policy with us you can continue to cover your gadget for a further 5 years.

Worldwide and holiday coverUse Worldwide

This policy keeps you covered for the use of your gadget anywhere in the world for up to 90 days in any 1 year.

Phone theft insuranceTheft

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

Cover for unauthorised callsUnauthorised calls

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

Mobile phone accessories insuranceAccessories cover

We'll replace any accessories (up to £150) if they are damaged, stolen or lost at the same time as your mobile phone.

Insurance for accidental phone lossAccidental loss (additional £1 a month)

Covers you for the replacement of your phone if you accidentally lose it.


To find out more about what we cover, and any exclusions, please read our terms and conditions.


Additional Benefits

At Tinhat we offer some of the cheapest mobile insurance in the UK, but pride ourselves on offering policies that are fit for purpose. That's why, on top of comprehensive coverage, we offer:

Best mobile insurance excesses
The lowest excesses in the UK

Expensive excess charges defeat the point of getting gadget insurance. At Tinhat, if you make a claim your excess will be £25 for phones valued up to £250 or £50 for phones up to £999. It's the same for all types of claim.

Family phone insurance
Cover for use by immediate family

Unlike many insurance policies your phone is also covered while being used by immediate family, with no restrictions on their age. This also means that if you want to insure your child's mobile phone you can do so in your name.

Unlimited phone insurance claims
Unlimited claims

Some insurers impose limits on the number of claims you can make, or have different limits for accidental damage and loss claims. At Tinhat there is no limit to the number of claims that you can make.

Instant mobile phone cover
Instant cover

Unlike many insurers, if your phone is less than 6 months old, we'll cover it from the date that you purchase your policy. So if you buy your mobile phone insurance today, you can get peace of mind straight away.


You can cancel your policy at any time, for any reason, and we're also one of the first mobile insurance companies in the UK to offer a no claims bonus to our customers. If you don't make a claim in the first year of your policy, we'll reduce the excess by 25%. Each year of no-claims reduces the excess by another 25%, so you won't have to pay any excess at all if you claim after accumulating 4 years of no claims on the policy.

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Key exclusions

All mobile phone insurance policies contain exclusions, and Tinhat is no different. That said, we think ours are some of the fairest and simplest to understand and we're keen to make sure that you're aware of them before purchasing:

Mobile phone exclusions

Second hand phones - unfortunately we can't cover any second hand phones. That includes second hand phones bought from private individuals and also second hand goods stores like CeX.

Phones older than 18 months - if you bought your phone new more than 18 months ago you won't be able to insure it with Tinhat.

Refurbished phones that weren't bought directly from a mobile network or manufacturer - while there are exceptions to this, in most cases we can't insure refurbished phones that were bought from specialist online retailers. This is particularly true if it's a Grade B or below refurb.

Claims for incidents within the first 14 days of taking out your policy (unless you phone is less than 6 months old) - this is to help us prevent fraudulent claims, which in turn allows us to provide affordable insurance to our genuine customers.

Accidental damage exclusions

Cosmetic Damage - our insurance policies don't cover things like scratches, stains or minor chips to the body of your phone. We can repair your phone if it's broken, but we can't restore it to new condition.

Theft Exclusions

Theft from inside commercial vehicles - so if you're a taxi driver, this insurance won't cover you for theft while you're using your vehicle.

Theft from an unattended personal vehicle - unless your phone is out of view in a closed compartment and the vehicle is locked.

Theft in a public place where your phone is left unattended - for example, if you leave your phone on a pub table and it's stolen while you go to buy a drink. Our insurance still requires you to take reasonable precautions to protect your phone.


To find out more about what we cover, and any exclusions, please read our terms and conditions.


    Our reviews

    At Tinhat we pride ourselves on offering great customer service and reliable gadget insurance. We greatly value our customers' feedback, and here are a selection of our most recent reviews:


    5-star review

    "Great service"

    "Very fast turnaround for the repair!" - Kevin, Edinburgh

    5-star review

    "Competitive insurance"

    "Customer friendly website, easy to order. V competitive prices." - Lauren

    5-star review

    "Excellent insurer"

    "Really helpful and affordable service. Couldn't ask for any more from the company. Quick covered." - Emily, Bristol

    Tinhat Reviews Feefo


    We really value honest feedback, and are proud to say that our gadget insurance is rated 9.0 out of 10 based on 67 customer reviews at


    Compare our mobile phone insurance

    See how we compare to other UK mobile phone insurance companies below, and decide for yourself:

    Brand Monthly Annual Instant cover No claims bonus
    Tinhat £7.49 £82.39 Yes Yes
    Know How £7.49 £89.88 No No
    Switchedoninsurance £7.50 £85 Yes No
    Loveit Coverit £7.49 £82.39 No No
    Gadget Cover £7.99 £79.90 Yes Yes
    American Express £8.00 £96 No No
    i-Digital £8.49 £93.39 No No
    Debenhams £8.50 £93.50 Yes No
    Endsleigh £8.75 £105.11 Yes No

    Protect Your Bubble

    £9.49 £113.88 Yes No
    Insure My Pocket £9.99 £99.90 No No
    EE £12 £144 Yes No
    Vodafone £12 £144 Yes No
    O2 £10 £120 Yes No
    Carphone Warehouse £14.99 £169.99 Yes No

    *Pricing is for an iPhone 7 32GB, and was last checked 22/11/2016.

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    Frequently asked questions

    Here are a few of our most frequently asked questions, plus some links to more information if you need it:

    What mobile phones do you insure?

    We can insure any type of mobile phone, provided that it was bought as new in the UK. It could have been purchased outright from a high street or online shop, or bundled as part of a pay as you go of mobile phone contract from a network like O2, Three, EE or Vodafone. The phone does however need to be less than 18 months old at the time that you purchase the policy in order to be eligible for our insurance. We also offer gadget cover and iPad insurance.

    What's mechanical breakdown cover?

    If your phone develops a mechanical fault and stops working this will usually be covered under the manufacturer's warranty. This warranty usually lasts 2 years from the date that you purchased the phone, and during this period it should be your first port of call for this type of issue. If your phone breaks down outside your warranty period, your Tinhat policy has you covered. Some manufacturer's like Apple let you buy extended warranties with some accidental damage cover built in. Click here for more information on how we compare to AppleCare+.

    Do you offer multi-gadget policies for families and businesses?

    We do indeed. Simply click the "add another gadget" button once you have a quote for your first mobile and you can add up to 10 different devices to the same policy. If you're buying on behalf of a business then it's best to get in touch with us with your requirements on sales@tinhat.co.uk.

    How can I pay for my insurance?

    You can pay for your gadget cover in one of two ways. You can pay monthly by direct debit or annually by credit or debit card. If you pay annually you'll get 12 months of cover for the price of 11.

    Do you insure refurbished phones?

    Yes, we can insure refurbished mobile phones as long as they are bought directly from the manufacturer or a UK mobile phone network. Click here to find out more about our refurbished phone insurance.

    If I buy insurance today, when will my cover start?

    If you order your mobile insurance policy today, and your phone is less than 6 months old, your cover will start immediately. If your mobile is more than 6 months at the time you take out the insurance then you won't be covered for any incident occurring during the first 14 days of your policy.

    Can I cancel at any time?

    Yes! We believe we offer some of the best gadget insurance in the UK, but if you don't need our cover anymore or you decide to leave us you can cancel your policy at any time. If you cancel within the first 14 days of buying your policy then you'll get a full refund of any premium paid. After this period the following applies:


    • If you're paying monthly and haven't made any claims we'll simply stop taking direct debit payments and you'll be covered up to the end of your billing month. If however you have made a claim in the first 12 months and decide to cancel you will still need to pay any remaining premiums for the 12 month contract.
    • If you're paying annually and wish to cancel then you'll receive a pro-rata refund, minus a £10 administration fee.

    For full details please read our cancellation policy.

    Can I insure my child's mobile phone?

    Of course! If your children are under 18 years old, their phones can be insured as long as you take out the mobile cover in your name. They'll be covered as part of the immediate family feature. Click here for full details on our phone insurance for children.

    What kind of replacement phone do you provide?

    If you phone is lost, stolen or dmaged beyond repair and needs replacing, we will repalce it with an equivalent refurbished model. In the majority of cases this will be an identical phone of the same model and colour, but unfortunately we can't guarantee this. If the phone can't be replaced with an identical one of the same age and condition, we'll replace it with one of comparable specification or the equivalent value taking into account the age and condition of the original phone. Where an equivalent refurbished item is not available, we'll it replace with a new one instead.

    Can't I just cover my phone on my home insurance?

    You probably can - but you'll need to specify it on your home contents insurance policy in order to be covered, and this might increase your premium. Home insurance policies tend to have much higher excess charges than dedicated gadget insurance, so while this might seem more convenient it could end up being a lot more expensive when you need to make a claim.

    What's the excess?

    For phones valued up to £250 when new the excess is £25. Phones valued up to £999 have an excess fee of £50. These excesses apply to any type of claim that you make, and unlike some insurers they don't increase if you claim multiple times, claim early or claim abroad. We believe we have some of the fairest and cheapest excesses in the UK.

    Do you sell mobile phone insurance with no excess?

    We don't sell gadget cover with no excess, and aren't aware of any companies in the UK that do. Excess fees are important as they help to cover the administration cost of claims, while keeping premiums cheap, and ensure that we provide our customers with an excellent service. They also help to deter fraudulent claims, which again helps to keep our insurance policies affordable for our genuine customers.

    How else can I keep my phone safe?

    As well as buying insurance, there are a number of things you can do to help keep your phone safe. Ofcom have put together some useful advice on this.


    Have any more questions?

    Please get in touch with us at sales@tinhat.co.uk or call us on 01865 364390, and we'll be happy to help with any questions you might have.