0161 772 3382

Mobile Phone Insurance

Phone Insurance

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 anywhere within the UK
  • Worldwide cover included
  • Cover for theft or accidental damage
  • Liquid damage cover.

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 —  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 — 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 — 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.
  • 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.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.


Mobile phone insurance policies have exclusions, and cover4insurance in partnership with Tinhat is no different. That said, we think ours are some of the fairest and simplest to understand and we're keen to make sure that you're aware of them before purchasing:

  1. Mobile phone exclusions:
    • Second hand phones — unfortunately we can't cover any second hand phones. That includes second hand phones bought from private individuals and also second hand goods stores like CeX.
    • Phones bought more than 12 months ago — if you bought your phone more than 12 months ago you won't be able to insure it with cover4insurance in partnership with Tinhat .
    • Refurbished phones without a 12-month warranty — we can't insure refurbished phones that were sold without at least a 12-month warranty.
    • Claims for incidents within the first 14 days of starting your policy (unless you phone is less than 60 days) — this is to help us prevent fraudulent claims, which allows us to provide affordable insurance to genuine customers.
  2. Accidental damage exclusions:
    • Cosmetic Damage — our insurance policies don't cover things like scratches, stains or minor chips to the body of your phone. We can repair your phone if it's broken, but we can't restore it to new condition.
  3. Theft exclusions:
    • Theft from inside commercial vehicles — so if you're a taxi driver, this insurance won't cover you for theft while you're using your vehicle.
    • Theft from an unattended personal vehicle — unless your phone is out of view in a closed compartment and the vehicle is locked.
    • Theft in a public place where your phone is left unattended — for example, if you leave your phone on a pub table and it's stolen while you go to buy a drink. Our insurance still requires you to take reasonable precautions to protect your phone.


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.

Policies Purchased after 01/03/2022 
Adobe PDF Policy Wording 
Adobe PDF Policy IPID 

Policies Purchased after 01/01/2021 Policies Purchased up to 01/01/2021
Adobe PDF Policy WordingPolicy Wording Adobe PDF
Adobe PDF Policy IPIDPolicy IPID Adobe PDF
Insurance Product Information Document.


For policies purchased after 01/03/2022:

Who to Contact

To make a claim, call the claims administrator on 0345 074 4810. Lines are open between 8:30 am to 6:30 pm Monday to Friday, and from 8:30 am to 1:00 pm on Saturday.

Fill out the online claims form here:  Claims Form

Or email: gadgetclaims@davies-group.com.

Required information

  • Your policy number — This can be found in the policy schedule that we sent to you when you purchased your policy.
  • Details of the device being claimed for — For example, make, model and IMEI number. Your IMEI will be listed on your policy schedule and is also on your evidence of ownership.
  • The circumstances of your claim — You will need to be able to fully explain the circumstances in which your phone got lost, stolen or damaged.
  • Evidence of ownership — In order for your claim to be approved you will need to send in evidence of ownership for the device your are claiming for. We require this to combat fraudulent claims.

Additional steps to take if your phone was lost or stolen

You first need to:

  • Report the theft or loss to your airtime provider within 24 hours of discovery, and blacklist your handset.
  • Report the theft or loss to the police within 48 hours of discovery. Simply call 101 (the non-emergency police number) and obtain a crime reference number in support of a theft claim or a lost property number in support of a loss claim.

Taking these steps is a requirement of our policies, but it also ensures that any unauthorised use of your mobile is kept to a minimum and increases the chance of the police recovering your device.

To make a claim,

Please fill in our claims form: click here

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.
We have updated our Cookie Policy and our Privacy policy. Cookies are used to ensure we provide the best customer experience. Continued use of this website assumes your acceptance of these policies.