Mobile Phone Insurance

Peace of mind - be insured
when you need it most.

play

Cover and unlimited repairs for 12 months

Protects against accidental damage and theft

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


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.

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, such as 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.†
View full T&Cs (PDF) Insurance Product Information Document
  • Go shopping as usual and when you've chosen your phone 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.
  • Something to keep in mind: I can only cover mobile phones I've bought from Littlewoods within the first 60 days.

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

No, 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.

The process is very straightforward. Simply call 0800 092 9051 within 28 days. You'll be advised of the repair procedure and any actions you may be required to take.

Simply call 0800 092 9051.

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

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

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: Twenty Kingston Road, Kingston Road, Staines-Upon-Thames, Surrey, England, TW18 4LG. LGI is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN 202689).

Delay Payments for 12 months with Buy Now Pay Later when you spend £50 or more

Interest is calculated and compounded daily at a typical rate of 44.9% per annum for the delayed payment period and repayment period and is charged to your account at date of order as a lump sum.

Remember, avoid paying all interest by paying the cash price before the end of the delayed payment period. This can be done in one full payment or multiple partial payments.

1

What is Buy Now Pay Later?
Buy Now Pay Later is an interest bearing option that allows you to delay payments on your purchases for up to 12 months. The delayed payment period starts from the date of order (including pre-ordered items and those not ready for immediate dispatch).

You can choose:
A delayed payment period of 12 months and then a repayment period of 104 weeks when you spend £50 or more.
A delayed payment period of 12 months and then a repayment period of 156 weeks when you spend £99 or more.

How interest is calculated?
Interest will be charged for the delayed payment period and the chosen repayment period.

Interest is calculated and compounded daily at a typical rate of 44.9% per annum for the delayed payment period and repayment period and is charged to your account at date of order as a lump sum. This calculation factors in the planned payments that are requested during the repayment period. Your interest rate is personal to you and will be detailed in checkout.

How to avoid paying interest?
You can avoid paying all interest for both periods by paying the cash price before the end of the delayed payment period. This can be done in one full payment or multiple partial payments.

Making partial payments may result in a portion of the lump sum of compound interest being refunded at the end of the delayed payment period.

Remember if you choose not to pay the full cash price before the end of the delayed payment period any outstanding balance plus the lump sum of compound interest applied at the date of order will become payable.

How do I make a Buy Now Pay Later payment?
To make a full or partial payment simply log into My Account, choose "Make a payment", select "Pay Buy Now Pay Later" and allocate your payment to the specific item(s) you wish to pay off. Alternatively, you can call us.

What happens after the delayed payment period?
If you have not made any payments towards your Buy Now Pay Later, the outstanding balance plus the lump sum of compound interest will be payable across your chosen repayment period. This will now be included in your account minimum payment request each month.

If you have made partial payments, but not cleared the full cash price before the end of the delayed payment period, the outstanding balance plus a reduced lump sum of compound interest will become payable. The repayment amount agreed for the repayment period will remain the same, meaning the repayment period may be shorter than originally agreed.
If you have paid the cash price in full before the end of the delayed payment period, you will not pay any interest.

What is excluded from Buy Now Pay Later?
The costs for delivery, installation services and any warranty and insurance products cannot be placed on Buy Now Pay Later. Buy Now Pay Later availability is subject to your credit and account status.

Do I still have to pay my minimum payment?
Yes, allocating payments to Buy Now Pay Later will not cover the minimum payment for your Littlewoods account. If you have a non-Buy Now Pay Later balance on your Littlewoods account, you will still need to make at least your minimum payment as shown on your statement.