What's covered and how much does it cost?
We offer three levels of cover so you can choose the policy that suits you best. With Standard cover you’re protected against accidental damage and mechanical breakdown. Premium cover adds to this by also covering theft. Ultimate cover is our most comprehensive policy with accidental damage, mechanical breakdown, theft and loss all covered for complete peace of mind. Take a look below to see how much our great value policies start from!
Standard Cover
Premium Cover
Ultimate Cover
Standard Cover
£4.25 Per Month
+ pay annually get 2 months free
+ no limit on claims
+ 12 month warranty on replacements
With our Standard Cover, you're insured for accidental damage, liquid damage, mechanical breakdown and cracked screen. You also get £50 mobile accessory cover and 60 days per year worldwide cover.
14 day money back guarantee
No contract and cancel anytime†
Included
Accidental Damage
36 months
Max Device Age
Included
Liquid Damage
Included
Mechanical Breakdown
Included
Cracked Screen
£250
Accessory Cover
60 days per trip
Worldwide Cover
Excluded
Unauthorised Use
Excluded
E-Wallet Cover
Excluded
Theft Cover
Excluded
Loss Cover
† Terms and conditions apply
Liquid Damage
Liquid Damage
Mechanical Breakdown
Mechanical Breakdown
Broken Sockets
Broken Sockets
Cracked Screens
Cracked Screens
Premium Cover
£4.75 Per Month
+ pay annually get 2 months free
+ no limit on claims
+ 12 month warranty on replacements
Our Premium Cover includes theft cover in addition to accidental damage, liquid damage, mechanical breakdown and cracked screen. Accessory cover is £100 and you get 120 days a year of worldwide cover. In the event of theft, you get a replacement phone. You're also covered for £2,500 of unauthorised use and £500 of unauthorised e-wallet transactions.
14 day money back guarantee
No contract and cancel anytime†
Included
Accidental Damage
36 months
Max Device Age
Included
Liquid Damage
Included
Mechanical Breakdown
Included
Cracked Screen
£250
Accessory Cover
90 days per trip
Worldwide Cover
£2500
Unauthorised Use
£500
E-Wallet Cover
Included
Theft Cover
Excluded
Loss Cover
† Terms and conditions apply
Liquid Damage
Liquid Damage
Mechanical Breakdown
Mechanical Breakdown
Broken Sockets
Broken Sockets
Cracked Screens
Cracked Screens
Unauthorised Calls
Unauthorised Calls
Ultimate Cover
£5.00 Per Month
+ pay annually get 2 months free
+ no limit on claims
+ 12 month warranty on replacements
With our Ultimate Cover, you get loss and theft cover, plus accidental damage, liquid damage, mechanical breakdown and cracked screen. Mobile accessory cover is £150 and you get 120 days per year of worldwide cover. In the event of loss or theft, you get a replacement phone. Whether your device is lost or stolen, you're also covered for £2,500 of unauthorised use and £500 of unauthorised e-wallet transactions.
14 day money back guarantee
No contract and cancel anytime†
Included
Accidental Damage
36 months
Max Device Age
Included
Liquid Damage
Included
Mechanical Breakdown
Included
Cracked Screen
£250
Accessory Cover
120 days per trip
Worldwide Cover
£2500
Unauthorised Use
£500
E-Wallet Cover
Included
Theft Cover
Included
Loss Cover
† Terms and conditions apply
Liquid Damage
Liquid Damage
Mechanical Breakdown
Mechanical Breakdown
Broken Sockets
Broken Sockets
Cracked Screens
Cracked Screens
Unauthorised Calls
Unauthorised Calls
Device Loss
Device Loss
Get started with our gadget insurance quote
Cover to match your circumstances
Family Bundle Cover
Bundle & Save
Great value, hassle free cover for all your family’s phones and gadgets with one of our comprehensive bundle policies.
Student Gadget Cover
Covers your gadgets no matter whether you are at home, university or travelling abroad for up to 120 days per year.
Business Gadget Cover
Covers gadgets such as phones, laptops, tablets owned by your company and used by any employee.
Why Switched On Insurance?
Insurance as it should be with great prices, fast claims, and exceptional service.
Whatever mobile phone you have, for most of us this device has become important, even essential in our everyday lives. It's only when our phone breaks down, gets accidentally smashed, lost or stolen do we realise how much we rely on them and how important it is to be able to repair or replace it quickly.
That's where mobile phone insurance from Switched On offers complete peace of mind that should the worst happen, we'll get you back to where you were before the issue arose, fast, so you won't be without your beloved device for long.
Here at Switched On our award winning, highly rated phone insurance is designed to be flexible, simple, and fair. There are no contracts so you can cancel your cover at any time. You can select to pay for your cover monthly or annually, and our online claims portal means you can make a claim 24/7! And when it comes to claims, not only are they unlimited, but we also offer a range of solutions, with like-for-like replacements and rapid repair options including at Apple Genius Bars and Samsung stores (on claim approval).
Plus, if you have other gadgets to insure apart from your phone, our bundle policies offer great value as you can insure up to 10 devices on one policy and the more you insure the more you save – perfect if you have a household full of tech.
So if you're looking for the peace of mind that phone insurance provides, you can rest assured that you'll be fully protected with Switched On.
Defaqto 5 Star Rating applies to Ultimate Personal Gadget Insurance Only.
I have been really pleased with Switched On Insurance and I use them for all my gadgets. Their customer support has been fantastic, and when dealing with a claim for a damaged iPhone they were extremely efficient, everything was online, and we had the option to get the repair done at an Apple Store.
Nick M
I've had Ultimate Cover for my iPhone with Switched On Insurance since 2014. The process for making claims, and managing repairs/replacements is simple, quick, and efficient, and the pricing is competitive, which is why I renew.
Lyndsey
Really helpful customer services staff and fantastic products and prices. This is my 3rd year insuring with them.
Ralph M
Easy to use, competitive price, excellent cover would definitely recommend.
Geoff H
The service was seamless and extremely easy to complete took only 5 minutes and the cover provided is extensive which is great for peace of mind.
Nick B
Frequently asked questions
How does mobile phone insurance work?
You select the device or devices you'd like to insure, choose your preferred type and level of cover, then pay a monthly or annual fee. Just like household contents insurance, you'll have to pay an excess in the event of a claim. However, mobile phone insurance excess is a lot less than contents insurance excess.
Does mobile phone insurance cover water damage?
Here at Switched On Insurance, all our mobile phone insurance policies cover liquid damage.
Does mobile phone insurance cover a cracked screen?
All of our mobile phone insurance policies cover cracked phone screens.
What does my policy cover?
What your policy covers depends on the level of cover you have opted for. At Switched On Insurance, our Standard Cover includes accidental damage and breakdown, our Premium Cover adds device theft and our Ultimate Cover adds device loss.
With all our policies you're covered for repairs and replacements to your mobile phone's accessories and you're also covered when you're travelling abroad. The amount and duration of these varies according to the level of cover you've selected.
Our Premium and Ultimate packages include cover for unauthorised use and unauthorised e-wallet transactions in the event of theft or loss.
What devices do you insure?
We insure any make and model of mobile phone, with a maximum age of 36 months. You can also get cover for other devices such as tablets, laptops, PCs, e-readers, games consoles, cameras, sat-navs and wearable gadgets. To see how much it costs to cover your device with our affordable cover, get a quick quote here.
Can I insure refurbished or second hand devices?
You can insure any devices, irrespective of where they were purchased, if they are refurbished or second hand. This means whether you've bought your devices from eBay, Amazon, high street retailers or from friends, we'll be able to insure them.
How quickly will I be covered?
You are covered immediately once your payment has gone through. You'll be emailed a link to download your policy documents straight away but you won't have to wait for this for the cover to begin.
Who does my policy cover?
If you've chosen our Personal, Student or Business Cover your policy will cover you for the device you selected to insure.
If you've chosen a Family Bundle, this will cover all the devices you selected to insure, regardless of which member of the family uses them.
How do I make a claim?
To find out more about making a claim, and to access our easy to use 24/7 online portal, click here.