Your phone isn’t just a phone. It’s your camera, diary, alarm clock and more. So keep it protected from life’s little mishaps, with a Damage Cover or Full Cover policy from O2 Insure.

Our policies extend worldwide, so whether you’re at home or working abroad, you’re covered. And we cover up to £300 for any accessories you bought from O2 that were damaged at the same time as your device.

Next day exchange/replacement service

If you damage your phone you can choose our fast-fix exchange service to get a replacement the next day. Or save money with our return option. You’ll pay a lower excess charge, and we’ll repair or replace your phone in 3-5 days.

Damage Cover

This covers life’s little accidents. Like dropping your phone on the pavement. So you’ll be covered against accidental damage, including water damage or a smashed screen.

What does it cost?

The monthly cost depends on the replacement cost of your mobile.

Full Cover - theft, loss or accidental damage

Dropping your phone. Leaving it in a taxi. Losing it in a hotel. We cover all that. Damaged your phone? Choose our fast-fix exchange service to get a replacement the next day. Or save money with our return option. You’ll pay a lower excess charge, and we’ll repair or replace your phone in 3-5 days.

What does it cost?

Our Full Cover policy covers your mobile phone against theft, loss or accidental damage. The monthly cost depends on the replacement cost of your mobile.

Important information

 *Next-day exchange or replacement applies to valid claims submitted before 7pm on a weekday. Excludes Sundays and public holidays. Not available in Northern Ireland or selected postcodes in Scotland, Highlands, Guernsey, Isle of Man, and Scilly Isles.

For full details of what you are covered for and any exclusions that may apply please read the terms and conditions of your O2 insure policy. Replacement devices may be from refurbished stock that has been tested and is fully functional.  You can cancel within 14 days of receiving your policy documents and will not be charged provided you have not made a claim. After this period you may cancel by giving 30 days' notice. O2 Insure is underwritten by Telefónica Insurance S.A. UK Branch.

Check out the insurance policies and prices above to find the package that's right for you. You can then add insurance on the Tariff and Extras page, before you complete your order. If you’d prefer to chat, pop into one of our shops or give us a call

What you need to know

• When you buy or upgrade to a new mobile, you've got 28 days to get O2 Insure.
• You have to be with O2 and over 18 to get one of our insurance policies.

How to submit a claim

Just call us. You may be asked to fill out a claim form.

Access your Ts and Cs

Check the details of your policy.

Our insurers

O2 Insure is underwritten by Telefónica Insurance S.A. UK Branch, 260 Bath Road, Slough, Berkshire, SL1 4DX, registered in UK No.FC029774, whose main business is general insurance. Telefónica
Insurance S.A. UK Branch is authorised by Commissariat Aux Assurances in Luxembourg and regulated by the Financial Conduct Authority for the conduct of UK business. 
 
Telefónica UK Limited is authorised and regulated by the Financial Conduct Authority (Reference Number 718822). O2 Insure must be taken within 28 days of purchasing a device. Terms apply, visit o2.co.uk/terms

Itemised bills are available online on MyO2.

If you would like a paper bill, we can send a summary for £2.50 if there are 1-9 connections on the account, or £10.00 if there are 10+ connections. Itemised paper billing is available for £1 a month, per connection.