At cover4insurance we understand how important your mobile phone is to you, no longer is it a device for just making calls it is how you stay in contact with the world and organise your life.
These little devices can now control everything you desire – social media, news feeds, internet access, work / personal calendar gone are the days of the “Del Trotters” Filofax enter the world of the smart phone and where would we be without it?
Why choose Cover4Insurance:
Cover up to £1500 anywhere within the UK
60 days worldwide cover included
Cover for theft or accidental damage
30 day cooling off period
What does the mobile phone insurance cover?
Our mobile phone insurance is designed to protect you against accidental damage, loss or theft of your mobile phone. It also provides cover if your mobile phone suffers a mechanical or electrical breakdown outside of the manufacturer's guarantee period.
Theft - We will replace your gadget/mobile phone, if it is stolen. For example, it may be stolen from your property following a break-in or from your person i.e. a mugging.
Accidental Loss - (Optional) If you accidentally lose your gadget/mobile phone then we will replace it if you have selected this cover – For example your phone may fall out of your pocket.
Accidental damage -We will repair or replace your gadget/mobile phone if it suffers accidental damage. For example, you may accidentally drop your gadget in a puddle.
Cracked screen -We will repair or replace your gadget/mobile phone if it accidentally suffers damage to the screen. For example, you may drop your phone or tablet.
Liquid damage -We will repair or replace your gadget/mobile phone if it accidentally suffers liquid damage – For example you may accidentally spill water on your gadget.
Breakdown (up to £500) -We will repair or replace your gadget/mobile phone if it is damaged as a direct result of an electrical or mechanical breakdown which occurs outside of the manufacturers guarantee period.
Malicious damage -We will repair or replace your gadget/mobile phone, if it is damaged as through the intentional or deliberate actions of anyone other than you or a member of your immediate family.
Unauthorised use (up to £250)-If your mobile phone/ gadget is accidentally lost or stolen and the loss or theft is covered by your policy, we will refund the cost of unauthorised calls, texts or downloads made after the time it was lost or stolen up to a maximum of £250 (£20 if you have a “pay as you go” mobile phone). Cover will only apply to unauthorised usage taking place within 24 hours of discovery of the loss or theft.
Accessories -If your claim for your gadget/mobile phone is approved, we will replace any accessories that were accidentally lost, stolen or damaged at the same time as your gadget/mobile phone, up to a maximum of £150.
60 days worldwide cover - We will cover your gadgets/mobile phone that you take out of the United Kingdom for up to 45 days whilst you are abroad during any period of insurance. NB: Please note a replacement or repair can only be dealt with once you return to the United Kingdom, the Channel Islands or the Isle of Man.
30 day cooling off period - You have a 30 day cooling off period, in which you can cancel the policy for a full refund, providing that no claims have been made and there are no cliams pending on the policy.
Try Combining Mobile Phone Cover With Tenants Contents Insurance
It may be cheaper to insure your mobile phone as part of the contents insurance package so please obtain a tenant contents insurance quote as well, By combining tenant mobile phone insurance with our tenant contents insurance not only will you save money on the cost of the insurance you will also benefit from a lower policy excess of only £25.
Exclusions
If you purchase our mobile phone bundle, these exclusions will apply:
Policy Excess
You must pay an amount towards any claim. This amount will vary according to the value of the mobile phone/gadget insured. Full details are shown in the table below. If you claim relates to more than one gadget/mobile phone, you will only have to pay one excess (this will be the highest applicable excess).
Value of the mobile phone / gadget at the time of purchase
Excess Applicable
Up to 500
£25
£501 - £1000
£50
£1,001 - £1,250
£75
£1,251 - £1,500
£100
Exclusions
Exclusions apply to this insurance. This page provides a summary of these exclusions but full details of all exclusions can be found in the policy booklet we strongly recommend that you read the policy booklet. Please go to Policy Documents Tab.
Significant or Unusual Exclusions or Limitations
Policy Wording Page
To buy this insurance you must be:
aged 18 or over at the time of purchasing this insurance.
own a UK SIM card for the phone purchased in the home country you have moved from.
The gadget or mobile phone must:
be a mobile phone, bluetooth headset, camera lense, DVD player, E-Reader, fitness tracker, digital camera, earphones or headphones, games console, in-car computer, iPad, iPod, laptop computer, MP3 player, PDA, satellite navigation device, tablet or a video camera.
not have been lost, stolen or damaged before the start date of this insurance.
be owned by you and must not have been purchased at auction or from an online auction website.
if a refurbished item, be purchased directly from the manufacturer or Network Provider. Second hand items that are not refurbished cannot be covered.
must have a UK SIM card if the phone has been purchased before moving to the UK.
Cover applies to gadgets or mobile phones used in the United Kingdom, the Channel Islands or the Isle of Man and for use for up to 60 days abroad during any period of insurance.
‘Eligibility’ Page 4
Definition of ‘Gadget’ & ‘Mobile Phone’ Page 11
We will not provide any cover for:
loss, theft, damage or breakdown as a result of not taking care of your gadget or mobile phone.
anything that occurs during the exclusion period.
any policy excess.
any gadget or mobile phone if you cannot provide evidence of ownership.
any mobile phone claim where evidence of usage is not provided.
any claim which is covered under the warranty or guarantee provided by the manufacturer or retailer.
value added tax (VAT) if you are registered for VAT with HM Revenue and Customs.
any costs or expenses which are not directly associated with the incident which caused the claim. For example, the cost of replacing any personalised ringtones or graphics or downloaded material or software.
reconnection costs or subscription fees of any kind.
any loss or damage as a result of war or acts of terrorism, nuclear risks or from pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speeds.
‘Section 4’ – Exclusions That Apply To The Whole Policy Page 7
‘Initial Exclusion Period’ Page 4
Definition of ‘Exclusion Period’ Page 11
Documents
If you purchase mobile phone insurance from Cover4Insurance, we will send you an email confirming your purchase of cover and provide you with your personal policy schedule, policy wording and policy summary documents.
You will also have the option for a printed copy to be sent via post subject to an additional postage premium being paid.
We also provide the option below for you to view and download the Policy Wording and Policy Summary documents so that you can view prior to purchase or at any time after.
How to view the policy documents
The policy documents are available as PDFs. To view these documents you will need a PDF reader. Download Adobe Reader from the Adobe website or visit Access Adobe for help.
To view your documents, please click on the links below.
Cover4insurance will deal with all claims. You must refer all correspondnce and telephone enquires to cover4insurance at the following address:
Stream Claims Services, Copthall House, King Street, Newcastle under Lyme, ST5 1EL.
Telephone: 0161 974 1101 Lines are open between 9am and 5pm Monday to Friday. Calls may be recorded for training, compliance and fraud prevention purposes.
Things You Must Do.
You must comply with the following conditions. If you fail to do so and this affects the ability of the claims administrator to fully assess your claim or keep our losses to a minimum, we may not pay your claim or any payment could be reduced.
All claims must be reported to the claims administrator as soon as possible but in any event, within 14 days of you becoming aware of an incident. You must complete a claim form (in full) and provide at your own expense, any information and assistance which the claims administrator may require in establishing the amount of any payment under your insurance.
You must provide evidence of ownership of your gadget or mobile phone to support any claim, and any other receipts or documents that we may request. If you cannot provide evidence of ownership, your claim will not be valid.
All thefts must be reported to the police within 24 hours of your discovery of the incident. You must provide the claims administrator with a crime reference number.
If your gadget or mobile phone is lost, you must obtain a lost property reference from the police or a lost property reporting service which is accredited by the police.
You must report the loss or theft of your mobile phone to your Network Provider within 24 hours of the incident so they can block it and stop anyone else using it.
If your gadget or mobile phone is damaged, you must provide the gadget or mobile phone for inspection and repair.
Our website uses cookies to enhance your browsing experience,
provide personalized content, and analyze our traffic. Some of these cookies are essential for
the website to function while others can be switched on or off.
By clicking "Accept all" you agree to
the uses explained in our Cookies Policy. If you click "Reject all" we'll block all non-essential cookies
but those crucial to the website's operation will still be used.
Cookies Policy
What are cookies?
A cookie is a small text file that is placed and stored on your computer, mobile or other device, by the websites that you visit. Cookies are widely used in order to make websites work more efficiently and also to provide information on visitor behaviour to the website owner.
Session Cookies
These are temporary cookies that remain in the cookie file of your device's browser until you close the browser. They enable certain site functionality and are also used by the server to store/remember information about user web page activities so user information can be stored throughout an online web process - for example this could be used to allow information to be carried across website pages so that you don't have to re-enter information.
Persistent Cookies
These are cookies that remain in the cookie file of your browser for much longer. Generally speaking, these cookies are used to track website visits, including returning and unique visitors (first time visitors) and monitor how they interact with a website. They can also be used to help arrange content to match a user's preference's/preferred interests. However these cookies cannot be used by themselves to identify you.
Why do we want to use Cookies?
We use cookies to:
make our websites work
improve the efficiency of our website
provide effective security when you are buying our products
help us to arrange content to match your preferred interests more quickly
learn from our website visitors and give the best customer experience we possibly can
track the effectiveness of our online marketing activity
deliver retargeting advertising
collect statistical information to assist us and our partners to learn how customers use our and their products
Some benefits to you:
security
the ability to view pages that are more relevant to you
you are not asked repeatedly the same questions; for example to complete a survey
you are presented with advertising that is relevant to what you are looking for at the time
Some drawbacks
some cookies are stored on your browser for a certain length of time
you may be presented with advertising that is relevant to whatever you are looking for at the time, which can be viewed as limiting your choice
some cookies may be used to track your viewing behaviour when you visit our website
Examples of where we use cookies
Booking process - We use cookies to maintain a user's session and allow data to be passed between different online pages within the quote engine in order to provide a quote/policy.
Google Analytics - We use these cookies as part of our web analytics activity to monitor traffic and compile reporting about how users are using our website, These cookies are used to capture anonymous data about how users journey around our website. Types of data it gathers number of visits, date of first & last visit, time on spent on the website
Online chat - We use cookies to let us know what pages you have been on, previous chats number of visits - this helps us to provide you with more relevant advice / guide you to the information you require.
To track traffic from referral website(s) - This cookie is used to ensure accurate payment to our partner website. In terms of referral information this is stored against a customer record within our database.
Use of cookies by associated websites and third parties
Please be aware that our website contains links to and from other websites. We accept no responsibility or liability for the content of these websites or the cookies they use. If you choose to visit another website via our website, you will need to contact them separately to have your personal information deleted from any records they might hold. It is also the responsibility of that website to detail their use of cookies to you on their website and get the relevant consent from you for usage.
How to refuse use of cookies
When you decide to get a quotation or buy on line we will use necessary cookies for your security and to provide you with a policy.
If you do not want allow any of the other cookies, you can disable the use of cookies by using your internet browser settings. Please note if you disable the cookies you may experience slower running times and you may not be able to access all of our website content.
Browser - Where to find information about controlling cookies