What's covered and hows much does it cost?

Have you ever dropped your phone, been a victim of mobile theft or lost your device? Our three levels of cover will give you complete peace of mind. You can pay monthly or annually. If you opt for annual payment, we’ll normally be able to offer you a discount, giving you savings of up to £26 on the annual cost. The below examples are based on individual Personal, Student and Business Cover.

Standard Cover

Premium Cover

Ultimate Cover

Standard Cover

£2.50 Per Month

+ pay annually get 1 month free

+ no limit on claims

+ 12 month warranty on replacements

Standard Product

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


£50

Accessory Cover


60 days

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

£3.00 Per Month

+ pay annually get 1 month free

+ no limit on claims

+ 12 month warranty on replacements

Premium Product

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 90 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


£100

Accessory Cover


90 days

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

£4.00 Per Month

+ pay annually get 1 month free

+ no limit on claims

+ 12 month warranty on replacements

Ultimate Product

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


£150

Accessory Cover


120 days

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

What types of cover are available?

Whatever your circumstances, we've got a type of cover to suit you. If you only need to insure your own mobile phone, you can choose from Personal Cover, Student Gadget Cover or Business Gadget Cover. Need to insure your whole family? Our bundle deals provide even greater savings on multiple gadgets including mobile phones.

Family Bundle Cover

Bundle & Save

Best value, cover all your families’ gadgets under one of our great value bundle policies. Easily add and remove items.

Learn more

Student Gadget Cover

Covers your gadgets no matter whether you are at home, university or traveling abroad for up to 90 days per year.

Learn more

Business Gadget Cover

Covers gadgets such as phones, laptops, tablets owned by your company and used by any employee.

Learn more

What's phones can be covered?

With Switched on Insurance, you can insure any make and model of mobile phone.

If you can't find your phone in our dropdowns, you'll find options to ‘Add Unlisted Make’ and ‘Add Unlisted Model’ at the bottom. These enable a ‘Value’ dropdown so you can select how much your mobile is worth.

What are the benefits?

You'll be covered for accidental damage and breakdown, device theft and device loss, depending on the level of cover you choose. The best bit is you'll be paying a lot less than other providers because we're a specialist insurer.

Find out more

Frequently asked questions

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.

Here at Switched on Insurance, all our mobile phone insurance policies cover liquid damage.

All of our mobile phone insurance policies cover cracked phone screens.

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.

We insure any make and model of mobile phone. You can also get cover for other devices such as tablets, laptops, PCs, e-readers, games consoles, cameras, sat-navs and wearable gadgets. This list is not exhaustive, but rest assured, whatever devices you'd like to insure, we'll be able to cover you.

You can insure any devices, irrespective of where they were purchased. This means whether you've bought your devices from eBay, Amazon, high street retailers or from friends, we'll be able to insure them.

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.

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.

If you need to make a claim for accidental damage or breakdown, you can make a claim online via our website.

If you need to make a claim for theft or loss, you must do so by calling our claims helpline on: 0330 880 1746.

Our claims helpline is open Monday to Friday between 09:00am and 17:00pm.

Calls to our claims helpline are charged at local rate.

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