Smartphone Insurance

Smartphone Insurance from £4.73* per month

Over the past few years smartphones such as the Samsung Galaxy S and the Google Nexus have become massively popular and also incredibly powerful. Smartphones are more than a way to communicate with friends and family and now 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 £500. 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.

CoverCloud insurance for the Galaxy S4 starts at £4.73 per month for our Theft & Loss Only cover level.

How do we compare against other insurers?

Our Elite level policy for the Galaxy S8 64GB costs £7.45 per month and includes cover for loss, theft, accidental damage and breakdown and we think it compares pretty well with the competition:

Supplier	Annual Price	Monthly Price	Damage	Theft	Breakdown	Loss	Worldwide	Excess
CoverCloud	£76.40	£7.45						£75.00
Protect Your Bubble	N/A	£11.49						£75/£100*
Switched On Insurance	£80.00	£8.75						£50
Gadget Cover	£115.39	£10.49						£75

Prices from competitor websites and based on Galaxy S4 with all options selected. Prices correct as at 01 Jan 2019.
* First value is the Accidental Damage excess. Second value is the Loss or Theft excess.

All the cover you need:

Accidental 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 cover that includes Theft and your smartphone is stolen we will provide you with a replacement smartphone. Where only part or parts of your gadget have been stolen, we will only replace that part or parts.

Loss**[return to top]

If you have chosen cover that includes Loss and you accidentally lose your smartphone we will replace it. Loss cover is only available for mobile phones, iPads, tablets and smartwatches.

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 £10,000.

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 overseas cover for unlimited durations as standard unlike some insurance companies who only offer cover for limited times such as 90 days.

E-Wallet Protection[return to top]

If your gadget is accidentally lost or stolen and the claim is covered by your policy, we will refund the cost of unauthorised transactions made using your e-wallet facility up to a maximum of £500.

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 of up to 10% 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 must be less than 3 years old at the start date of the insurance for the Elite level policy or less than 1 year old for the Theft & Loss Only policy. There is no age limit for the Elite level policy when renewing your policy.
• You will not be able to make a claim within the first 14 days of the start date of the policy if your gadget is over 60 days old.
• 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.
• Loss cover is only available for mobile phones, iPads, tablets and smartwatches.
• Breakdown cover is not available for laptops.

* Price quoted is for the Samsung Galaxy S4 with the Theft & Loss Only level of cover and a £75 excess.

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

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

* Only in force if you select the Elite Cover option
** Loss cover is only available for Smartphones, iPads, Tablets and Smartwatches