Smartphone Insurance

Smartphone Insurance from £2.53* per month

Over the past few years smartphones from Samsung, Google and Huawei have become massively popular and also incredibly powerful. Smartphones are much more than a way to communicate with friends and family and offer features that were once only possible on laptops. However, as their power has increased so has their cost, with a typical smartphone costing upwards of £1,000. So we think that getting quality smartphone insurance that covers the entire value of your phone is vital.

CoverCloud offers competitively priced cover for your contract, pre-paid or sim-free smartphone and gives you protection accidental damage, liquid damage, breakdown, theft and loss. All with 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 the 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 the 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 repair costs if your smartphone suffers an electrical breakdown occurring outside of the manufacturers guarantee 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.

Loss[return to top]

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

Unauthorised Calls[return to top]

If your smartphone is lost or stolen, we will refund the cost of unauthorised calls made from it after the time it was lost or stolen up to a maximum of £1,000.

Cracked Screens[return to top]

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

Worldwide Cover[return to top]

Our gadget insurance policy provides year-round overseas cover included.

Cover multiple gadgets for less with our Multi-Gadget discount

If you have more than one gadget to cover or if you want cover for multiple gadgets in your home then make use of our multi-gadget discount when insuring multiple gadgets.

Business iPhone Insurance

If you need to cover multiple iPhones within your business then take a look at 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.
• Gadgets must have been purchased new or refurbished as long as the gadget was sold with a minimum 12 month warranty.
• Proof of usage (evidence from your network provider showing your phone has been in use since the policy was purchased and up to the event giving rise to the claim) may be requested if you make a 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 it you select the Elite cover option.

* Price quoted is for the Samsung Galaxy S10 128GB with the Premier level of cover and a £100 excess.

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

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