Let’s talk mobile phone
insurance – put it in place
here and we’ll take care
of accidentally damaged
or stolen phones #sorted.
Call to buy on 0844 556 0982

What's covered

  • Accidental damage including cracked screen or liquid damage
  • Theft
  • An unlimited number of repairs
  • If it can't be repaired or is stolen we’ll replace* your phone with one of the same or similar specification
  • 30 days cover abroad
  • Cover for 12 months
  • You may need to pay an excess when you claim

*Of the same make and model or equivalent specification. The repair parts / replacement may be refurbished (not new). Subject to stock availability.

What's not covered

  • Loss
  • Mechanical breakdown for any other reason other than accidental damage
  • Mobile phone accessories, downloads, unused calling credits and unauthorised calls
  • Accidental damage or theft as a result of not taking care of your phone
  • Cosmetic damage, for example, a scratch on the cover
  • Any replacement item provided under this policy
  • The excess cost you may be required to pay at point of claim

    How to buy Mobile Phone Insurance

  • Go shopping as usual and when you’ve chosen the phone you want to buy, simply select your level of cover
    from the Mobile Phone Insurance drop down menu.
  • If you want to protect a mobile you’ve already bought from us just log in to My Account and select your cover.
    Alternatively you can give us a call on 0844 556 0982.
  • Don’t miss out, you can only protect a mobile phone you’ve bought from us within 60 days.

Call to buy on 0844 556 0982


Why should I take out Mobile Phone Insurance when I already have a 1-year manufacturer's warranty for breakdown?

Our Mobile Phone Insurance would protect you in the event of accidental damage and theft, which aren't usually covered by the manufacturer's warranty.

Will I be covered under home contents insurance or other insurance products?

Please check your household insurance policy carefully to see what you are covered for. Your mobile phone may not automatically be covered on your household insurance policy for accidental damage or theft cover. You may also be covered if you hold any other insurance products so please check these too. For these types of cover, your premiums may increase as a result of a claim.

Is Mobile Phone Insurance available from other providers?

Mobile Phone Insurance can be bought from other companies such as your network provider, but they may not provide the same cover as us.

Isn’t Mobile Phone Insurance expensive?

The cost of Mobile Phone Insurance is small compared to the amount you may have to pay to replace your phone.

Is there an excess to pay on my Mobile Phone Insurance?

Depending on the model and the price you paid for your mobile phone, an excess may be applicable at point of claim. If you already have mobile phone insurance, check your Policy Schedule for more detail. If you are thinking about buying mobile phone insurance, please refer to the policy excess table below.

Handset Type Purchase Price Excess
Non-Apple Handset £0 - £100.00 £0
Non-Apple Handset £100.01 - £300.00 £30
Non-Apple Handset £300.01 + £50
Apple Handset (Any) £75

If your claim is accepted and an excess applies, you will be required to pay the excess, by credit or debit card over the telephone to proceed with the claim.

Will my Mobile Phone Insurance end if I have any repairs?

No, our Mobile Phone Insurance will continue after you've had a repair carried out and there's no limit to the number of repair requests you can make, up to the original purchase price of the product.

How do I make a claim if my mobile phone has been damaged?

The process is very straightforward. Simply call us on 0844 822 4676 within 28 days of discovering the damage. You'll be advised of the repair procedure and any actions you may be required to take.

How do I make a claim if my phone's been stolen?

Simply call us on 0844 822 4676.

What happens if my phone is stolen or can't be repaired, and the identical make and model is no longer available?

If your mobile phone can’t be repaired, you’ll be given a replacement phone of the same make and model, or equivalent specification.

I'm going on holiday abroad - will my phone still be covered by the insurance policy?

Yes, your insurance policy is valid outside the UK for a period of up to 30 days in a 12 month period.

I've decided that I don't want the Mobile Phone Insurance any longer - can I cancel the policy and get my premiums refunded?

If you cancel your policy within 45 days of taking out the cover you’ll receive a full refund of your premiums. If you cancel your policy after 45 days you will receive a pro rata refund based on the number of unexpired months remaining.

Terms and conditions apply. If your claim is accepted and an excess applies, you will be required to pay the excess, by credit or debit card over the telephone to proceed with the claim. Mobile Phone Insurance is arranged by Shop Direct Home Shopping Limited. Registered Number 4663281. Registered Office: First Floor, Skyways House, Speke Road, Speke, Liverpool, L70 1AB. The Insurer is London General Insurance Company Limited (LGI). Registered Number: 1865673. Registered Office: Integra House, Floor 2, Vicarage Road, Egham, Surrey TW20 9JZ. LGI is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 202689). Calls cost up to 7p per minute plus your telephone company’s network access charges.

Delay payment for a whole year when you spend £50 or more

Avoid interest by paying in full within 12 months.

Buy Now Pay Later typical interest rate is 44.9% per annum. Subject to status.

Buy Now Pay Later (BNPL) allows you to delay payment for 12 months. The payment free period starts when you place your order (including items which are purchased on pre-order and/or are not ready for immediate dispatch).

Select BNPL at checkout and the repayment period of either 104 or 156 weeks. This is the repayment period you will pay over, once the payment free period (12 months) has ended.

The interest rate typically used to calculate BNPL interest is 44.9% per annum. Your interest rate will be detailed in checkout. The interest is calculated on the payment free period and the repayment period. You can avoid interest by paying the cash price in full within the payment free period.

Delivery charges and other Financial Services products are not available on Buy Now Pay Later and will appear on your next statement.

Please note, if you have non BNPL purchases on your account you will still need to make at least your minimum payment as detailed on your statement.

Credit provided, subject to credit and account status, by Shop Direct Finance Company Ltd, Aintree Innovation Centre, Park Lane, Netherton, Bootle, L30 1SL. Registered number: 4660974. Authorised and regulated by the Financial Conduct Authority. Over 18s only.