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Best Phone Insurance | Insure Your Phone With O2
Mobile Phone Insurance
O2 Insure has you covered
O2 Insure - 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.
O2 Insure - 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.
O2 Insure - Ultimate Cover
Kick back and relax with O2 Insure - Ultimate Cover, exclusively available as part of an Ultimate Plan.
Our Ultimate policy covers theft, loss or accidental damage and comes with worldwide cover, a 3-Year Warranty and the convenience of same-day or next-day replacements*. 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.
FAQS
- Why can device insurance be important?
So, you've got your shiny new handset or wearable – why go to the trouble of protecting it? Well, device insurance can 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.
• Your device is really important to you – and you'd need a quick repair or replacement if the worst did happen.
- Why choose O2 Insure?
O2 Insure provides high quality, low cost 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.
- What does device insurance cover?
Our Damage Cover policy meets the needs of someone wishing to cover their device against accidental damage.
Our Full Cover policy meets the needs of someone wishing to cover their device against theft, loss or accidental damage.
Our Ultimate policy covers theft, loss or accidental damage and comes with worldwide cover, a 3-Year Warranty and the convenience of same-day or next-day replacements. 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.
- Do I need device insurance if I have a warranty?
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 device insurance cover.
- What does our device insurance cost?
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. We’ll tell you which is the right price when you buy your device or speak to an adviser.
O2 Insure - Ultimate Cover costs £9.50 as part of an Ultimate Plan. If you cancel O2 Insure - Ultimate Cover as part of your Ultimate Plan, you'll no longer be eligible for the Ultimate Plan products or 3-Year Warranty.
- What excesses apply to device insurance?
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 O2 Insure - Ultimate Cover
Monthly premium
Excess charge
£9.50 £90 - What is the next-day Exchange or Replacement service?
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.
- Can I add O2 Insure cover after I’ve bought my device?
You can add device insurance once you’ve chosen your tariff before you complete your order. Or ask in-store, or contact us.
It's also possible to add insurance within 28 days after your purchase, but you’ll need to visit one of our stores to confirm the condition of your device.
- Where can I find my T&Cs and policy documents?
O2 Insure current policy wording
Insurance Product Information Documents (IPID)
Information about our insurance services
- Who are your insurers?
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.
- How do I cancel O2 device coverage?
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 insurance policy.
