Mobile Phone Insurance
From just £4.49 a month
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What's covered?
Accidental 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
Covers you for repairs and replacements to your mobile 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.
Unlimited use Worldwide
This policy keeps you covered anywhere in the world for as long as you need. Most insurers limit your allowed trip length.
Theft
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.
Unauthorised calls
If your phone is lost or stolen we will cover up to £10,000 of unauthorised calls.
Accessories cover
We'll replace any accessories (up to £150) if they are damaged, stolen or lost at the same time as your mobile phone.
Accidental loss
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
Fair Excesses
At Tinhat, if you make a claim your excess will be £50 for phones valued up to £400, £75 for phones up to £750 and £100 for phones valued at £751 or more. It's the same for all types of claim.
Family Cover
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 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 cover
If your phone is less than 60 days 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.
Key exclusions
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 bought more than 12 months ago - if you bought your phone more than 12 months ago you won't be able to insure it with Tinhat.
Refurbished phones without a 12-month warranty - we can't insure refurbished phones that were sold without at least a 12-month warranty.
Claims for incidents within the first 14 days of starting your policy (unless you phone is less than 60 days) - this is to help us prevent fraudulent claims, which allows us to provide affordable insurance to 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

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

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

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

We really value honest feedback, and are proud to say that our gadget insurance is rated 8.6 out of 10 based on 203 customer reviews at Feefo.
Compare our mobile phone insurance
Brand | Monthly | Annual | Instant cover |
Tinhat | £8.99 | £98.89 | Yes † |
Gadget Cover | £10.49 | £115.39 | Yes |
Endsleigh | £16.39 | £196.78 | Yes |
Protect Your Bubble |
£13.49 | £161.88 | Yes |
Love it Cover it | £11.79 | £127.49 | No |
Debenhams | £12 | £144 | Yes |
SwitchedOn | £11.00 | £132 | Yes |
So Sure | £11.95 | £143.40 | Yes |
† Instant cover only available on gadgets that are less than 60 days old on the policy purchase date. Gadgets older than this aren't covered for incidents occuring during the first 14 days of the policy.
The phone insurance comparison pricing in this table is for an iPhone X 64GB with cover for accidental damage, theft and loss, and was last checked 07/02/2019.
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?
What's mechanical breakdown cover?
Do you offer multi-gadget policies for families and businesses?
How can I pay for my insurance?
Do you insure refurbished phones?
If I buy insurance today, when will my cover start?
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.
For full details please read our cancellation policy.
Can I insure my child's mobile phone?
What kind of replacement phone do you provide?
Can't I just cover my phone on my home insurance?
What's the excess?
Do you sell mobile phone insurance with no excess?
How else can I keep my phone safe?
Most popular mobile phones
Have any more questions?
If you have any further question you can refer to our full FAQ page here or contact us.