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Mobile insurance

We've got you covered

With O2 Insure, you can relax

Phones are personal. Because they’re no longer just our phones. They’re our cameras. Diaries. Alarm clocks. Photo albums. Music players. Cab finders. They’re just about everything. So if your phone’s ever out of action, “everything” goes with it.

That’s where O2 Insure can come to the rescue. If your phone gets damaged, lost or stolen, you can use O2 Insure next-day exchange or replacement service*. Stay connected, no matter what.

Our policies extend worldwide, so you're covered whether you're at home or soaking up the sun on a faraway beach. We also cover up to £300 for any accessories bought from O2 damaged at the same time as your device.

Next-day Exchange/Replacement service

If you damage your phone, 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 phone to be repaired or replaced (between 3-5 days).

 

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.

What does it cost?

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 mobile or speak to an adviser.

 

Handset

Monthly premium £3 £5 £6 £7.50 £9
Standard Excess (3-5 day service) £10 £20 £30 £40 £60
Next-day Exchange excess £25 £45 £60 £70 £90

Smart Watches

Monthly premium £2 £3 £4
Excess for damage £25 £30 £40

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 – Full Cover

Dropping your phone. Leaving it on the bus. Finding it missing from your gym bag. We cover all of that. Our Full Cover policy meets the needs of someone wishing to cover their mobile device against theft, loss or accidental damage.

What does it cost?

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 mobile or speak to an adviser.

Handset

Monthly premium £6 £8.50 £10 £12.50 £15
Standard Excess (3-5 day service) £10 £20 £30 £40 £60
Next-day exchange/replacement* excess (Exchange Service* plus loss & theft) £25 £45 £60 £70 £90

Smart Watches

Monthly premium £4 £5 £6
Excess for damage £25 £30 £40
Excess for accidental loss of theft £40 £50 £60

Premium and excess charges apply for policies purchased from 28 June 2018. For cover purchased before this date please refer to relevant terms here.

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 UK Branch.

Insurance Policies and Information Documents

If you're interested in learning more about what insurance policies we offer and what types of cover you can receive, you can read our policy documents below.

O2 Insure current policy wording

Full cover policy wording

Damage cover policy wording

Insurance Product Information Documents (IPID)

Full cover IPID

Damage cover IPID

Information about our insurance services

Our insurance services

Our insurers
O2 Insure is underwritten by Telefónica Insurance UK Branch, 120 New Cavendish Street, London, W1W 6XX, registered in the UK No.FC029774, whose main business is general insurance. Telefónica Insurance UK Branch is authorised by Dirección General de Seguros y Fondos de Pensiones in Spain and regulated by the Financial Conduct Authority for the conduct of UK business.

Does O2 offer mobile phone insurance?

Yes, we do. Our insurance cover is called O2 Insure, and we have plenty of different insurance policy options for everyone. You can take a look at what insurance we offer right here.


How do I purchase O2 mobile phone insurance?

You can add phone insurance once you’ve chosen your tariff before you complete your order. Or ask in-store, or contact us.


What you need to know

We cover mobile phones and connected devices sold by O2. O2 insure is only available to customers who are UK resident and over 18. 


How do I submit an insurance claim with O2?

Call O2 customer services on 202 free from your O2 mobile, or 03448090202 (UK Standard Rate). You may be asked to fill out a claim form.


How do I cancel O2 phone insurance?

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.


Access your T's and C's

O2 Insure current policy wordings

Full cover policy wording

Damage cover policy wording

Insurance Product Information Documents (IPID)

Full cover IPID

Damage cover IPID

Information about our insurance services

Our insurance services


Our 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.


Looking for something else?

 

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.