For further information about the Horizon IT Scandal, please visit our corporate website

Why should I get mobile phone insurance?

For lots of us, our lives are contained in our phones – from diaries and social media to banking and payments. We’re here to offer cover for everything from phone-snatching to accidentally knocking it into the sink while washing up.

We can also 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 Post Office Mobile Phone Insurance.

Why choose Post Office Mobile Phone Insurance?

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

Kids drop your phone in 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?

Repairs at an Apple Genius Bars

Subject to approval from the insurer, you may be able to get your iPhone or Samsung devices fixed at an official Apple or Samsung store and we'll reimburse you the cost

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

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 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

  1. Add your gadgets

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

  2. Choose your cover

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

  3. Select a payment plan

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

  4. Provide your details

    Simply give us your details, set up a payment method and you're done

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

Young woman in a high street walking towards us while looking down at her phone in her left hand

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. They’re liable to fall out of our hands, and if they do, they can break.

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

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

Cover when it counts

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

  • Accidental damage

  • Mechanical breakdown 

  • Cracked screen 

  • Unauthorised usage – up to £2,500 

  • Worldwide cover

  • Theft cover 

  • Liquid damage 

  • Loss cover 

  • Accessory cover – up to £150 

  • E-Wallet cover – up to £500 

Pay annually and get 2 months on us

The annual price we quote includes a 2-month discount. You’ll get 12 months of cover for the price of 10.

What’s the excess?

The more you need to insure, the higher the costs can climb. So we’ve worked hard to keep the excess to pay on claims as low as possible. The amount varies depending on the cover level you choose and how long after taking out the policy you claim.


Time since policy started


1-30 days


31-60 days


61-90 days


91-120 days


121-150 days


Over 150 days


1-30 days

1-30 days


31-60 days

31-60 days


61-90 days

61-90 days


91-120 days

91-120 days


121-150 days

121-150 days


Over 150 days

Over 150 days


Multi-phone cover

Our family bundles provide cover for up to 10 gadgets, each valued at up to £1,500 under one policy. The more you bundle the more you could save.
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.

Ready to get a quote?

Let’s find the protection that’s right for your phone. Get a quote for Post Office Mobile Phone Insurance

Common mobile phone insurance questions

  • 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.

  • 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.

  • 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. Post Office 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 decide what type of insurance would best suit your needs.

  • Not just water; all manner of liquids. But yes, our gadget insurance covers liquid damage as standard.

Need some help?

Gadget insurance help and support

Find answers to common questions about gadget insurance, as well as details on how to contact us about your gadget insurance policy: 

Visit our gadget insurance support page

About our gadget insurance

Post Office® Gadget Insurance is arranged and administered by Taurus Insurance Services Limited and underwritten by ERGO TIS on behalf of Great Lakes Insurance UK 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: 100 Wood Street, London EC2V 7ER. Post Office Money and the Post Office Money logo are registered trademarks of Post Office Limited.

Taurus Insurance Services Limited is an insurance intermediary authorised and regulated 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. Great Lakes Insurance UK Limited is a company incorporated in England and Wales with company number 13436330 and whose registered office address is 10 Fenchurch Avenue, London, United Kingdom, EC3M 5BN.Great Lakes Insurance UK Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Firm Reference Number 955859. You can check this on the Financial Services Register by visiting;

ERGO TIS is registered in the UK, company number 11091555. Registered office: 10 Fenchurch Avenue, London, EC3M 5BN. Authorised and regulated by the Financial Conduct Authority, register number 805870.