Smartphone Insurance

Smartphone Insurance from £5.68* per month

In recent years, smartphones from Samsung, Google, and Huawei have become very popular.

However, as their power has increased, so has their cost. A typical smartphone now costs over £800. So we think that getting quality smartphone insurance that covers the entire value of your phone is vital.

CoverCloud offers great value cover for your contract, pre-paid, or SIM-free smartphone. It protects against accidental damage, liquid damage, breakdown, theft, and loss. All with up to 90 days overseas cover as standard.

All the cover you need:

Accidental Damage / Malicious Damage [return to top]

We will pay the cost of repairs if your smartphone is damaged as a result of an accident or malicious damage. If your smartphone is not repairable, then we will provide you with a replacement smartphone.

Liquid Damage [return to top]

We will pay the cost of repairs if your smartphone is damaged by liquid as a result of an accident. If your smartphone is not repairable, then we will provide you with a replacement smartphone.

Breakdown [return to top]

We will pay for repairs if your smartphone breaks down due to an electrical fault outside of the warranty period. If your smartphone is not repairable, then we will provide you with a replacement smartphone.

Theft [return to top]

If you have chosen the Premier or Elite cover level and your smartphone is stolen, we will provide you with a replacement smartphone. Where only part or parts of your smartphone have been stolen, we will only replace that part or parts.

Accidental Loss* [return to top]

If you have chosen the Elite cover level and you accidentally lose your smartphone, we will replace it.

Cracked Screens [return to top]

We will pay the cost of repairs if the screen of your smartphone is damaged as a result of an accident. If your smartphone is not repairable, then we will provide you with a replacement smartphone.

Up to 90-days worldwide cover[return to top]

Your gadgets are covered worldwide for a maximum of 90 days for any one trip.

Cover multiple gadgets for less with our Multi-Gadget discount

If you want to insure more than one gadget on a policy, we will give you a multi-gadget discount.

Business Gadget Insurance

If you need to cover multiple phones in your business, check our Business Phone Insurance option.

Significant Exclusions or Limitations

As with all policies of this type there are certain limitations and certain things that are not covered. The most significant exclusions of this policy are set out below. There may be other exclusions that are significant to you, so you need to check the policy document for full details.

• Gadgets cannot be more than 36 months old at the start date of the insurance when purchasing a new policy. There is no age limit when renewing your policy.
• If you make a claim, we may request proof of usage. This is evidence from your provider that your phone has been in use since the policy was purchased and up to the event giving rise to the claim.
• An excess applies to each and every claim.
• An additional £50 excess fee is due if you make a claim within the first 30 days of taking out a new policy. This additional excess fee only applies to new policies, not policy renewals.
• * Accidental loss cover only applies if you select the Elite cover option.

* Price quoted is for the Samsung Galaxy S10 128GB with the Premier level of cover and a £50 excess.

All premiums are inclusive of Insurance Premium Tax (IPT) which is 12%.

Cover is subject to the terms and conditions of the policy.