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O2 Insurance

With O2 Insurance, you're covered against loss, theft and accidental damage to your phone. We replace 80% of lost or stolen handsets the next day.

How to get O2 Insurance

You can sign up at any point within 28 days of buying an O2 mobile, including free upgrades, as long as you're over 18.

The cost of your policy will depend on your handset – visit our mobile insurance page for a detailed breakdown of our policies and prices.

  • Pay Monthly customers can buy O2 Insurance in-store or over the phone
  • Pay & Go customers can only buy O2 Insurance in-store. You'll need a valid proof of purchase. Use our locator to find your nearest store.

How to make a claim

Contact customer services within 48 hours of your phone going missing, or 14 days if it's been damaged. You might be asked to fill out a claim form, which you'll find here.

If your phone has been stolen, you'll need to report it to the police first; they'll give you a crime reference number. If you've lost your phone, try to get a loss reference number from the police or a relevant authority like Transport for London.

If you can't get a loss reference number, just make a note of the police station where you reported your phone lost, plus the name and badge number of the officer you spoke to.

Once your claim has been registered, you'll be transferred to O2 Insure, who'll process it. Remember that your bills must be paid up-to-date – otherwise your insurance policy will lapse and you won't be able to make a claim.

How to cancel your phone insurance

To cancel your O2 Insure policy you'll need to contact us. If you cancel within 14 days of receiving your documents and you haven't made a claim, you won't be charged.

If it's been longer than 14 days, you'll need to give 30 days' notice and you'll only be charged for the time you were covered.

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