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Student Mobile Phone Insurance

Phone Insurance

If you are a student and just want to insure your mobile phone, iPhone or smartphone then look no further. We can offer a standalone insurance product that will insure your mobile phone without having to take out a basic level of possessions insurance with us.

This alternative insurance policy can also provide insurance for laptop computers, IPads, gadgets and other items requiring insurance in a bundle without the requirement to take out the student contents insurance policy.

Why choose cover4insurance for Mobile Phone Insurance:

  • Specialist Student Insurance
  • Worldwide Cover
  • Includes Accidental Damage & Theft Cover As Standard
  • Optional Accidental Loss cover

Is Your Mobile Phone More Than 3 Years Old?

If your mobile phone are older than three years, do not worry as we have another student mobile phone insurance product called Essentials Insurance, where the age of the item to be insured does not matter. Click here for more information.

Try Combining Mobile Phone Cover With Students Contents Insurance

As a Student at University it may be cheaper to insure your mobile phone as part of the contents insurance package so please obtain a student contents insurance quote as well, By combining student mobile phone insurance with our student 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 £10.

Policy Features

What does the mobile phone insurance cover?

Affordable phone insurance for all makes and models - including iPhone, Samsung, HTC, and Sony. The premium you pay depends on the value of your phone, so our policies can start from as little as £4.49 a month (or £49.39 annually). Our policies cover you against:Cracked screen and liquid damage.

  • Accidental damage (including liquid damage) — Covers accidentally cracked screens, dropping your phone in the toilet, and any other damage that prevents the phone from functioning normally. Accidental damage does not cover general wear and tear or purely cosmetic damage.
  • Mechanical breakdown — Covers you for repairs and replacements to your mobile phone if it suddenly stops working outside the manufacturer's warranty. By renewing your policy with us you can continue to cover your gadget for a further 5 years.
  • Unlimited use Worldwide — This policy keeps you covered anywhere in the world for as long as you need. Most insurers limit your allowed trip length.
  • Theft — Covers you for any damage or loss resulting from your phone being stolen, as long as it is in your possession or stored in a secure place out of sight.
  • Unauthorised calls — If your phone is lost or stolen we will cover up to £10,000 of unauthorised calls.
  • Accessories cover — We'll replace any accessories (up to £150) if they are damaged, stolen or lost at the same time as your mobile phone.
  • Accidental loss — Covers you for the replacement of your phone if you accidentally lose it.


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.

For policies purchased after 01/04/2017:

Who to Contact

To make a claim, call the claims administrator on 0161 974 1101. Lines are open between 9am and 5pm Monday to Friday.

Fill out the online claims form here:  Claims Form

or write to:

Stream Claims Services, Copthall House, King Street, Newcastle under Lyme, ST5 1EL.

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.


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.

Phone Security

Every year thousands of mobile phones and are stolen. Incidents can happen when on nights out, burglary from house break-ins, theft from handbags and even when people leave there mobile phones unattended. There are simple steps for students to prevent mobile phones from being stolen. You can consider registering the mobile phone to yourself so if it is stolen and found it can be returned back to you.

You should also consider student mobile phone insurance.
Student Mobile Phone Insurance Quote

10 tips for students, to help protect a mobile phone:

  1. Pin Codes—Make sure you have a pin code on your mobile phone. This can prevent the thief gaining instant access to your phone, and running up a high phone bill. Also your contacts will remain safe. And, hopefully, by the time the thief gains access to your phone, you will have alerted your provider to block your phone.
  2. Aware Of Surroundings—When you use your mobile phone, you should be aware of people around you. They could be waiting, to sneak up and pinch your mobile phone, when you least expect it.
  3. Essential—If you are walking alone, try to only use your mobile phone when necessary. Without thinking, you are advertising your mobile phone, and letting strangers know you have one. If it is an expensive one, they could follow you and mug you.
  4. Protect—You wouldn’t leave £500 lying on a table a pub or club. So why do that with your mobile phone? Protect it the best you can, keep it with you at all times, don't carry it in a shallow pocket, where it can easily fall out or be picked from.
  5. Strangers—There have been many incidents where a stranger, dressed smartly and look very unsuspicious has asked in a polite way to borrow a mobile phone for a minute to call home. The phone owner obviously steps away to not seen like they are listening in to the call and GONE. The mobile has been stolen and the stranger who was dressed smartly has stolen the mobile phone.
  6. Marking Your Phone—Consider marking the mobile with an ultra violet pen with your name and postcode or use smart water or similar product, consider marking underneath the battery or in the top corner of your device. The marking will not be visible in natural light on your mobile phone so the thief maybe unaware it is marked. This way if found the police can use a special light to expose the name and postcode.
  7. Keep Charged—It can be easy to go on your phone all day playing games and going on applications, this can drain your battery. It is important to keep your phone charged so you have it in case an emergency occurs. Consider taking your phone charger to work or to events to keep it charged.
  8. Emails—A lot of mobiles now have the option to pick up emails. Try and delete any important emails which may be on your phone and could have contact details or payment details on.
  9. Apps—Modern technology has now allowed mobile phones to have a large number of different applications or ‘apps’ as they are better known. Try and avoid having apps on that have bank details on, these apps are quite popular as you can check account activity in a matter of seconds, however would you want a thief to see these details in a matter of seconds.
  10. Insurance For Mobiles—With phones getting more and more expensive it is so important to insure your mobile. Therefore if anything does happen you have cover in place to protect you.
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