Mobile Phone Insurance
O2 Insure has you covered
With O2 Insure, you can relax
You use your phone for more than keeping in touch, so you’ll want it sorted if it gets broken or stolen. That’s where O2 Insure comes in. Starting from £3 a month, our mobile phone insurance cover is designed to help you stay connected.
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Cover that works for you
We offer different levels of mobile insurance – from accidental damage to something a bit more comprehensive.
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Next-day replacement
Damage your device? You can opt for our fast-fix exchange service to get a replacement device delivered next day*.
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Make a claim online
No waiting on hold, no hassle – our Online Claims Portal via the MyO2 app is one of the ways you can make a claim if you need to.
*Next-day exchange or replacement applies to valid claims made before 7pm on a weekday. Excludes Sundays and public holidays. Not available in Northern Ireland or selected postcodes in Scotland, the Highlands, Guernsey, Isle of Man, or the Scilly Isles.
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Damage Cover
This covers you for life’s little accidents, like a smashed screen on the pavement.
Our Damage Cover policy meets the needs of someone wishing to cover their mobile device against accidental damage.
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Full Cover
Dropping your phone. Leaving it on the bus. Finding it missing from your gym bag. We can insure your phone for all of that.
Our Full Cover policy meets the needs of someone wishing to cover their mobile device against theft, loss or accidental damage.
Our levels of cover – at-a-glance
| Damage Cover | Full Cover | |
|---|---|---|
| Accidental damage (device) | Yes | Yes |
| Accidental damage (accessories)** | Yes | Yes |
| Loss (device) | No | Yes |
| Loss (accessories)** | No | Yes |
| Theft (device) | No | Yes |
| Theft (accessories)** | No | Yes |
| Faulty equipment replacement | Additional | Additional |
| 3-Year warranty | No | No |
| Next-day exchange option* | Yes | Yes |
| Next-day replacement option* | No | Yes |
| Same-day replacement option*** | No | No |
| Worldwide Cover | Yes | Yes |
| Cost | From £3/month | From £6/month |
| Excess**** | From £10 |
From £10 |
** accessories must have been a) purchased from O2 and b) damaged/lost/stolen at the same time as your device.
*** Same day delivery applies to successful claims completed by 12 noon UK time. Certain postcodes are excluded. Delivery is up until 10pm. See terms and conditions.
**** The cost of your excess will depend on how much you pay as a monthly premium and whether it is a Standard Excess (3-5 Days) or Next-Day Exchange Excess. For more details, please see ‘What excesses apply to mobile phone and connected device insurance’ below.
How to get O2 cover?
Think our mobile phone insurance is right for you? You can add O2 Insure as part of your device purchase – whether that’s online, over the phone or in store. Our retail stores can add also insurance up to 28 days after your purchase. But this is subject to your device being in a satisfactory condition.
What else do I need to know?
We cover mobile phones and connected devices sold by O2. O2 Insure is only available to customers who are UK residents and over 18.
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 UK Branch.
O2 Insure phone insurance FAQs
So, you've got your shiny new mobile phone (or connected device like a smartwatch) – why go to the trouble of protecting it? Well, getting covered may be worth thinking about if:
You're at the start of a new contract. If something happens to your device, you could end up paying for something you can't even use.
Losing or breaking a device is something happened to you before – and you don't want to repeat the expense of not having cover.
You’re worried about the possibility of your phone being stolen. UK government data (Sept 2024) showed a 150% increase in mobile phone and bag snatch thefts over a 12-month period
Your device is really important to you – and you'd need a quick repair or replacement if the worst did happen.
O2 Insure provides high quality mobile phone and connected device insurance cover – with a range of different policies to suit your budget, needs and device. Here are just some of the reasons to choose us for your coverage:
Cover that's right for you: Need protection against accidental damage? No problem. Want something a bit more comprehensive? We can do that too.
Next-day replacement: If you damage your device, you can opt for our fast-fix exchange service to get a replacement next day.*
Return your device: Save money and pay a lower excess charge while you wait for your device to be repaired or replaced (3-5 days).
Online Claims Portal: No waiting on hold, no hassle – just a simple, convenient way for you to make a claim if you need to. *
*Next-day exchange or replacement applies to valid claims made before 7pm on a weekday. Excludes Sundays and public holidays. Not available in Northern Ireland or selected postcodes in Scotland, the Highlands, Guernsey, Isle of Man, or the Scilly Isles.
When you buy a new device from O2, you'll be covered by the manufacturer's warranty for a specified period. This will generally protect you if the device has a defect or hardware fault. What a warranty won't protect you against, however, are things like loss, theft or accidental damage.
For that, you may want to consider taking out insurance cover.
For O2 Insure - Damage Cover and O2 Insure - Full Cover, the replacement cost of your device determines the monthly premium and the excess charge payable if you make a successful claim.
Damage Cover monthly premiums start at £3, while Full Cover premiums are available from £6 per month. We’ll tell you which is the right price when you buy your device or speak to an agent.
An excess charge applies when you make a successful claim. The amount of the excess depends on your monthly premium.
If you damage your device, you can opt for our fast-fix exchange service to get a replacement the next day*. Or save money by choosing the return option, and you’ll pay a lower excess charge while you wait for your device to be repaired or replaced (between 3-5 days).
Premium and excess charges apply for policies purchased from 14 June 2019. For cover purchased before this date please refer to relevant terms here.
O2 Insure - Damage Cover
| Monthly premium | Standard Excess (3-5 day service) | Next-day Exchange excess |
|---|---|---|
| £3 | £10 | £25 |
| £5 | £20 | £45 |
| £6 | £30 | £60 |
| £7.50 | £40 | £70 |
| £9 | £60 | £90 |
O2 Insure - Full Cover
| Monthly premium | Standard Excess (3-5 day service) | Next-day exchange/ replacement* excess (Exchange Services* plus loss & theft) |
|---|---|---|
| £6 | £10 | £25 |
| £8.50 | £20 | £45 |
| £10 | £30 | £60 |
| £12.50 | £40 | £70 |
| £15 | £60 | £90 |
*Next-day exchange or replacement applies to valid claims made before 7pm on a weekday. Excludes Sundays and public holidays. Deliveries to UK addresses only – except Northern Ireland or selected postcodes in Scotland, the Highlands, Guernsey, Isle of Man, or the Scilly Isles.
The easiest and most convenient way to make a claim on your O2 Insure Policy is to use our online claims portal. Our help page has more details about making an O2 insurance claim if you have a policy with us.
Alternatively, you can contact us by phone if you’d prefer to speak to someone.
If you damage your device, you can opt for our fast-fix exchange service to get a replacement the next day*.
Or save money by choosing the return option, and you’ll pay a lower excess charge while you wait for your device to be repaired or replaced (between 3-5 days).
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.
*Next-day exchange or replacement applies to valid claims made before 7pm on a weekday. Excludes Sundays and public holidays. Deliveries to UK addresses only – except Northern Ireland or selected postcodes in Scotland, the Highlands, Guernsey, Isle of Man, or the Scilly Isles.
O2 Insure can be added in store up to 28 days after your purchase. But your device will need to be in a satisfactory condition for this to be possible.
O2 Insure current policy wording
Insurance Product Information Documents (IPID)
Information about our insurance services
O2 insure is underwritten by Telefónica Insurance UK Branch, 120 New Cavendish Street, London, W1W 6XX, registered in UK No.FC029774, whose main business is general insurance. Telefónica Insurance UK Branch is authorised and regulated by Dirección General de Seguros y Fondos de Pensiones in Spain and regulated by the Financial Conduct Authority for the conduct of UK business and limited regulation by the Prudential Regulation Authority.
Unless the policy is free, you can cancel it within 14 days of receiving your policy documents, and you won’t be charged – as long as you haven’t claimed. After this period, you can cancel the policy by giving 30 days’ notice. You may have to pay a premium for the time you were covered by the insurance.
Please refer to the full terms, conditions and exclusions of your O2 Insure policy.
Looking to insure something else?
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*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.
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.