Get started with our gadget insurance quote
What types of cover are available?
Whatever your circumstances, we've got a type of cover to suit you. If you only need to insure your own mobile phone, you can choose from Personal Cover, Student Gadget Cover or Business Gadget Cover. Need to insure your whole family? Our bundle deals provide even greater savings on multiple gadgets including mobile phones.
Family Bundle Cover
Bundle & Save
Best value, cover all your families’ gadgets under one of our great value bundle policies. Easily add and remove items.
Student Gadget Cover
Covers your gadgets no matter whether you are at home, university or travelling abroad for up to 120 days per year.
Business Gadget Cover
Covers gadgets such as phones, laptops, tablets owned by your company and used by any employee.
What's covered and how much does it cost?
Have you ever dropped your phone, been a victim of mobile theft or lost your device? Our three levels of cover will give you complete peace of mind. You can pay monthly or annually. If you opt for annual payment, we'll normally be able to offer you a discount, giving you savings of up to £26 on the annual cost. The below examples are based on individual Personal, Student and Business Cover.
Standard Cover
Premium Cover
Ultimate Cover
Standard Cover
£4.25 Per Month
+ pay annually get 2 months free
+ no limit on claims
+ 12 month warranty on replacements
With our Standard Cover, you're insured for accidental damage, liquid damage, mechanical breakdown and cracked screen. You also get £50 mobile accessory cover and 60 days per year worldwide cover.
14 day money back guarantee
No contract and cancel anytime†
Included
Accidental Damage
36 months
Max Device Age
Included
Liquid Damage
Included
Mechanical Breakdown
Included
Cracked Screen
£250
Accessory Cover
60 days per trip
Worldwide Cover
Excluded
Unauthorised Use
Excluded
E-Wallet Cover
Excluded
Theft Cover
Excluded
Loss Cover
† Terms and conditions apply
Liquid Damage
Liquid Damage
Mechanical Breakdown
Mechanical Breakdown
Broken Sockets
Broken Sockets
Cracked Screens
Cracked Screens
Premium Cover
£4.75 Per Month
+ pay annually get 2 months free
+ no limit on claims
+ 12 month warranty on replacements
Our Premium Cover includes theft cover in addition to accidental damage, liquid damage, mechanical breakdown and cracked screen. Accessory cover is £100 and you get 120 days a year of worldwide cover. In the event of theft, you get a replacement phone. You're also covered for £2,500 of unauthorised use and £500 of unauthorised e-wallet transactions.
14 day money back guarantee
No contract and cancel anytime†
Included
Accidental Damage
36 months
Max Device Age
Included
Liquid Damage
Included
Mechanical Breakdown
Included
Cracked Screen
£250
Accessory Cover
90 days per trip
Worldwide Cover
£2500
Unauthorised Use
£500
E-Wallet Cover
Included
Theft Cover
Excluded
Loss Cover
† Terms and conditions apply
Liquid Damage
Liquid Damage
Mechanical Breakdown
Mechanical Breakdown
Broken Sockets
Broken Sockets
Cracked Screens
Cracked Screens
Unauthorised Calls
Unauthorised Calls
Ultimate Cover
£5.00 Per Month
+ pay annually get 2 months free
+ no limit on claims
+ 12 month warranty on replacements
With our Ultimate Cover, you get loss and theft cover, plus accidental damage, liquid damage, mechanical breakdown and cracked screen. Mobile accessory cover is £150 and you get 120 days per year of worldwide cover. In the event of loss or theft, you get a replacement phone. Whether your device is lost or stolen, you're also covered for £2,500 of unauthorised use and £500 of unauthorised e-wallet transactions.
14 day money back guarantee
No contract and cancel anytime†
Included
Accidental Damage
36 months
Max Device Age
Included
Liquid Damage
Included
Mechanical Breakdown
Included
Cracked Screen
£250
Accessory Cover
120 days per trip
Worldwide Cover
£2500
Unauthorised Use
£500
E-Wallet Cover
Included
Theft Cover
Included
Loss Cover
† Terms and conditions apply
Liquid Damage
Liquid Damage
Mechanical Breakdown
Mechanical Breakdown
Broken Sockets
Broken Sockets
Cracked Screens
Cracked Screens
Unauthorised Calls
Unauthorised Calls
Device Loss
Device Loss
What phones can be covered?
With Switched on Insurance, you can insure any make and model of mobile phone.
If you can't find your phone in our dropdowns, you'll find options to ‘Add Unlisted Make’ and ‘Add Unlisted Model’ at the bottom. These enable a ‘Value’ dropdown so you can select how much your mobile is worth.
What are the benefits?
You'll be covered for accidental damage and breakdown, device theft and device loss, depending on the level of cover you choose. The best bit is you'll be paying a lot less than other providers because we're a specialist insurer.
The whole experience from start to finish was very straight forward and easily understood with easy uncomplicated choices.
Mr Anthony H
Had Switched On Insurance for a few years now. Upgraded to family bundle, great service great value and great customer service, would highly recommend.
Mr Malcolm H
Took a while to look around to find the best insurance for my iPhone XR then I found Switched on Insurance. They offer so much more for the same or cheaper price than some big name insurance companies!
Miss Chloe B
Frequently asked questions
How does mobile phone insurance work?
You select the device or devices you'd like to insure, choose your preferred type and level of cover, then pay a monthly or annual fee. Just like household contents insurance, you'll have to pay an excess in the event of a claim. However, mobile phone insurance excess is a lot less than contents insurance excess.
Does mobile phone insurance cover water damage?
Here at Switched on Insurance, all our mobile phone insurance policies cover liquid damage.
Does mobile phone insurance cover a cracked screen?
All of our mobile phone insurance policies cover cracked phone screens.
What does my policy cover?
What your policy covers depends on the level of cover you have opted for. At Switched on Insurance, our Standard Cover includes accidental damage and breakdown, our Premium Cover adds device theft and our Ultimate Cover adds device loss.
With all our policies you're covered for repairs and replacements to your mobile phone's accessories and you're also covered when you're travelling abroad. The amount and duration of these varies according to the level of cover you've selected.
Our Premium and Ultimate packages include cover for unauthorised use and unauthorised e-wallet transactions in the event of theft or loss.
What devices do you insure?
We insure any make and model of mobile phone. You can also get cover for other devices such as tablets, laptops, PCs, e-readers, games consoles, cameras, sat-navs and wearable gadgets. This list is not exhaustive, but rest assured, whatever devices you'd like to insure, we'll be able to cover you.
Can I insure devices from eBay?
You can insure any devices, irrespective of where they were purchased. This means whether you've bought your devices from eBay, Amazon, high street retailers or from friends, we'll be able to insure them.
How quickly will I be covered?
You are covered immediately once your payment has gone through. You'll be emailed a link to download your policy documents straight away but you won't have to wait for this for the cover to begin.
Who does my policy cover?
If you've chosen our Personal, Student or Business Cover your policy will cover you for the device you selected to insure.
If you've chosen a Family Bundle, this will cover all the devices you selected to insure, regardless of which member of the family uses them.
How do I make a claim?
If you need to make a claim for accidental damage or breakdown, you can make a claim online via our website.
If you need to make a claim for theft or loss, you must do so by calling our claims helpline on: 0330 880 1746.
Our claims helpline is open Monday to Friday between 09:00am and 17:30pm.
Calls to our claims helpline are charged at local rate.