Mobile Insurance – Zendesk

Sure, here's a professional and conversational FAQ you can use to explain which insurers offer mobile phone insurance:

Mobile Phone Insurance – Frequently Asked Questions (FAQ)

Q: Which insurers offer mobile phone insurance?

A: Several insurers and providers in the UK offer dedicated mobile phone insurance, either as standalone policies or as part of broader coverage. Here are some popular options:

1. Specialist Mobile Insurance Providers

These companies focus solely on mobile or gadget insurance:

Protect Your Bubble – Offers flexible monthly or annual plans for phones, tablets, and other devices.
Switched On Insurance – Covers theft, loss, accidental damage, and more, with multi-gadget discounts.
Gadget Cover – Provides coverage for a wide range of devices, with fast replacement services.
Loveit Coverit – Covers damage, loss, theft, and even unauthorised calls.

2. Traditional Insurers Offering Mobile Coverage

Some mainstream insurers offer gadget cover as an add-on or separate policy:

Barclays Tech Pack – Available to Barclays account holders; covers multiple devices.
Direct Line – Offers personal possessions cover that includes gadgets when added to home insurance.
Nationwide FlexPlus – Includes worldwide mobile phone insurance as part of the packaged bank account.
Aviva – Gadget insurance can be added to some of their home insurance plans.

3. Mobile Network Providers

Some mobile networks offer their own insurance products:

EE, Vodafone, O2, and Three – Each has mobile phone insurance available for devices bought through them. Terms and cover levels vary.

Q: What does mobile phone insurance typically cover?

Most policies will cover:

Accidental damage (including screen cracks)
Theft
Loss (check if this is included—some don’t cover it by default)
Water damage
Unauthorised calls or data usage (in some policies)
Worldwide cover (on more premium plans)

Q: What should I look out for?

Excess fees – Check how much you’ll pay when making a claim.
Cover limits – Make sure your phone’s value is fully covered.
Loss cover – Not all insurers include this by default.
Policy exclusions – Read the fine print, especially around negligence or cosmetic damage.
Claim limits – Some policies limit the number of claims you can make each year.

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