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Mobile Phone Insurance

For lots of us, our lives are contained in our phones – from diaries and social media to banking and payments. So things could go very wrong if we were suddenly unable to use it due to damage or theft. We’re here to offer cover for everything from phone-snatching to accidentally knocking it into the sink while washing up.

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  • Accidental damage, liquid damage, loss and theft covered as standard
  • Pay-as-you-go policy means you can stop your cover at any time for any reason
  • Family bundles mean your kids can be covered too
  • Repairs at Apple Genius Bars
  • Three levels of cover to suit all your needs
  • 24/7 online portal and in-house claims team ready to chat
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Family bundles

It’s not just your phone and gadgets we can cover. We can offer protection for your whole family. Kids have a talent for breaking expensive things, so whether it’s their phone or yours, make sure you can get it fixed or replaced with phone insurance.

Why choose Post Office phone insurance?

  • cracked screen

    Cracked your screen? Covered.

    It happens to the most careful of us. We lose our grip for a second and there goes our screen. But with mobile phone insurance, the replacement isn’t a hassle.

  • Unlimited

    Kids drop your phone into the pool on holiday? Covered.

    Not only do we cover accidental damage as standard, but we cover it worldwide. Can your contents insurance do that?

  • Unauthorised-usage

    Unauthorised usage covered up to £2,500

    It’s a scary prospect that someone’s hacked into your device and is spending your money. We can’t do much about the trauma, but we can help reset the balance with unauthorised usage cover.

  • phone

    Protection for the most obvious gadget of all

    More than other gadgets, mobile phones are on display a lot and can attract unwanted attention from thieves, pickpockets and snatchers. We cover theft as standard.

  • Unlimited

    Don’t get stuck in long-term contracts

    We offer pay-as-you-go mobile phone insurance, so you can control your budget. Of course, if you want a 12-month deal, we can offer that too.

  • Accessories

    Accessories are covered as well

    Your case might do a great job protecting your phone, but what about protecting your case? That’s what our Gadget Insurance is for.

Protect your phone in 4 simple steps


Add your gadgets

Let us know which devices you want to cover by providing their device, brand, make and model

Cover Levels

Choose your cover

Select from economy, standard and premier cover based on how much excess you want to pay


Select payment plan

Pay monthly or pay annually to get 12 months for the price of 10^


Provide your details

Simply give us your details, set up a payment method and your done!

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Why get mobile phone insurance?

If you were to lock your phone in a safe for a day, you’d soon realise how often you need it. Once we’d have all manner of bits and pieces on our person. Now, virtually everything you need is on your phone – from your credit cards to your ID.

But phones are vulnerable. Phones are always liable to fall out of our hands. And if they do, they can break.

Your case won’t protect your phone from a virus or theft, and there are a raft of other mishaps that can prevent you from accessing or using your phone.

So protecting them with phone insurance can make sure that if you have a mishap, you can get your life back on track quickly.

Cover to suit your lifestyle

We’ve thought hard about everything that can go wrong with a tablet and found a way to cover it.

  • Accidental Damage
  • Theft Cover
  • Mechanical breakdown
  • Liquid Damage
  • Cracked screen
  • Loss Cover
  • Unauthorised usage - Up to £2,500
  • Accessory Cover - Up to £150
  • Worldwide cover
  • E-Wallet Cover - Up to £500
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Pay annually - Get 12 months for the price of 10^

We know that the more things you need to insure, the higher the costs climb. That's why our product offers competitive excesses in relation to the market.





Standard Excess*

£125.00 £75.00 £25.00
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Multi-phone cover

You can get cover for up to 10 gadgets** worth up to £7,500. So the more gadgets your family has, the bigger the saving you’ll make.

Remember our gadget insurance covers phones but also covers everything from cameras to games consoles and activity trackers. So whether it’s insurance for mobile phones, tablets or even drones, the more you have, the better the value.

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Phone Insurance FAQs

What is phone insurance?

Phone insurance protects your phone should something happen to it that’s described on your policy. This can take the form of replacement, repair or payout if your claim is successful.

Why buy phone insurance?

There are many positives to having your important gadgets insured, but among the most compelling is the peace of mind you can have knowing that you’re covered if anything should go wrong.

What about items on my contents insurance?

Your home contents insurance might have exclusions for gadgets or the situations in which you can make a claim. There may be a single article limit (the maximum value an item can have for it to be insured) and certain pieces of technology you own can exceed that value.

You might have opted for away from home cover on your home contents insurance, which means that specific items on your policy are covered when you take them out. It’s important to check your policy documents if you want to take these abroad. Gadget Insurance covers devices up to a pre-defined value worldwide. Your cover level will dictate what you are covered for, and it’s important to compare different types of policy to come to a conclusion about what type of insurance would best suit your needs.

Does Gadget Insurance cover water damage?

Not just water; all manner of liquids! But yes, our Gadget Insurance covers liquid damage as standard.

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Already have Post Office gadget insurance?

View or edit your policy

Login here to view, download or print your policy documents, update your details or medical conditions, add additional cover or to renew your policy

Make a claim

Please ensure that you have your Policy number and the full circumstances as they will require it to process your insurance claim

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Get a quote


Its quick and easy to get a quote online today


*Please note that an additional early claim Excess may apply. Please see page 14 of the Policy Wording for more details.

**10 Gadget Bundle is available on our Family Bundle product.

^ Price quoted includes the discount of 12 months for the price of 10


Post Office® Gadget Insurance is arranged and administered by Taurus Insurance Services Limited and underwritten by AmTrust Europe Limited.

Post Office Limited is an appointed representative of Post Office Management Services Limited which is authorised and regulated by the Financial Conduct Authority, FRN 630318. Post Office Limited and Post Office Management Services Limited are registered in England and Wales. Registered numbers 2154540 and 08459718 respectively. Registered office: Finsbury Dials, 20 Finsbury Street, London EC2Y 9AQ. Post Office Money and the Post Office Money logo are registered trademarks of Post Office Limited.

Taurus Insurance Services Limited is an insurance intermediary licenced and authorised in Gibraltar by the Financial Services Commission under Permission Number 5566 and authorised to passport general insurance intermediary services into the UK and registered with the Financial Conduct Authority in the UK under registration number 444830. AmTrust Europe Limited, whose registered office is at Market Square House, St James’s Street, Nottingham, NG1 6FG, is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial services register number 202189. These details can be checked on the Financial Services Register by visiting or by contacting the Financial Conduct Authority on 0800 111 6768.