Mobile Phone Insurance

Mobile phone insurance

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

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What's covered?

We offer cheap phone 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 £4.49 a month (or £49.39 annually). Our policies cover you against:

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

At Tinhat we offer some of the most affordable 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:

Fair Excesses

At Tinhat, if you make a claim your excess will be £50 for phones valued up to £250, £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.

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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 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

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

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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 12 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 were sold with at least a 12-month warranty. 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 60 days old, your cover will start immediately. If your mobile is more than 60 days old 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.

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 damaged beyond repair and needs replacing, we will replace 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 £50. Phones valued up to £750 have an excess fee of £75. Phones valued over £751 have an excess of £100. 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 clearest and fairest 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.

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.