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:
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.
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.
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:
The gadget or mobile phone must:
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:
| ‘Section 4’ – Exclusions That Apply To The Whole Policy Page 7 ‘Initial Exclusion Period’ Page 4 Definition of ‘Exclusion Period’ Page 11 |
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.
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 01/08/2024 | Policies Purchased after 01/08/2023 |
![]() | Policy Wording ![]() |
![]() | Policy IPID† ![]() |
Policies Purchased up to 09/08/2023 (& renewals) | Policies Purchased after 01/01/2021 |
![]() | Policy Wording ![]() |
![]() | Policy IPID† ![]() |
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:
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.
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