Smartwatch Insurance
Fuss-free insurance cover for your smartwatch
Help protect your smartwatch with O2 Insure cover
Listening to music on a run without your phone weighing you down. Getting important notifications sent straight to your wrist. Or simply checking the time. However you use your device, help to protect it with smartwatch insurance cover from O2 Insure.
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Your choice of cover
How much cover you get for your smartwatch is up to you – with accidental damage and comprehensive options available.
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Worldwide protection
At home or abroad, O2 Insure can help to protect your smartwatch from theft, damage or loss across global boundaries.
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Make a claim online
Log in and use our Online Claims Portal if the worst happens – no need to call if you prefer not to, no need to wait on hold.
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Damage Cover
This policy is for life's little accidents – an accidental soaking or a bash to the screen.
Want to cover your smartwatch against accidental damage? Don’t have suitable cover under another policy? This could be the option for you
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Full Cover
Help protect your smartwatch if it somehow hops off your wrist, takes a knock to the screen or gets stolen from a locker.
Our Full Cover policy could be the right choice if you want to go beyond accidental damage and cover your smartwatch against theft and loss too.
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 |
| Next-day exchange option* | Yes | Yes |
| Next-day replacement option* | Yes | Yes |
| Worldwide Cover | Yes | Yes |
| Cost | From £2/month | From £4/month |
| Excess**** | From £25 | From £25 |
*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.
** accessories must have been a) purchased from O2 and b) damaged/lost/stolen at the same time as your device.
*** The cost of your excess will depend on how much you pay as a monthly premium and if whether it is for damage or loss/theft. For more details, please see ‘What excesses apply to mobile phone and connected device insurance’ below.
How to purchase O2 smartwatch insurance?
First, check out our different smartwatch insurance plan options and prices to make sure we have the cover that’s right for you. If we do, great – you can add O2 Insure at the same time as you buy your smartwatch. That can be online, on the phone or in store.
You can also visit one of our stores to add insurance up to 28 days after your purchase – as long as your smartwatch is in a satisfactory condition.
What else do I need to know?
O2 Insure is only available to customers who are UK resident 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 you won't be charged as long as you haven't claimed. After this period, you may cancel by giving 30 days’ notice. O2 Insure is underwritten by Telefónica Insurance UK Branch.
O2 Insure smartwatch insurance FAQs
O2 Insure cover is an optional extra you can add on when you buy your smartwatch if you’d like to protect it should something go wrong. You don’t have to take out cover if you don’t want it. But you may decide it’s worth thinking about if:
• You’re worried about the cost of replacing a lost, stolen or damaged device
• You’ve lost or broken a smartwatch before – and didn’t have cover before
• Your smartwatch matters a lot in your daily life and you’d need to get a quick repair or replacement if needed.
The manufacturer's warranty is great protection for your new smartwatch bought from O2. If your device develops a fault or a defect that isn't your fault, you may be covered if you’re still in the warranty period. Your documentation will explain more on this.
But a warranty won't cover accidental damage, loss or theft. That's why you might want to consider options to insure your smartwatch.
The replacement cost of your device will impact the monthly premium and the excess charge you’d need to pay if you make a successful claim.
The cost of a monthly Damage Cover premium starts at £2/month, while a Full Cover monthly premium starts at £4/month.
We’ll tell you which is the right price when you buy your smartwatch 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.
O2 Insure - Damage Cover
| Monthly premium | Excess charge |
|---|---|
| £2 | £25 |
| £3 | £30 |
| £4 | £40 |
O2 Insure - Full Cover
| Monthly premium | Excess for damage | Excess for accidental loss or theft |
|---|---|---|
| £4 | £25 | £40 |
| £5 | £30 | £50 |
| £6 | £40 | £60 |
Our Online Claims Portal offers a convenient way for lots of our customers to start their claim. You can see our help page for more information about making an insurance claim if you have an O2 Insure policy. You can also contact us by phone if you’d prefer.
You can add O2 Insure up to 28 days after you buy your smartwatch from us by visiting one of our stores – as long as it's in a satisfactory condition.
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.
You can cancel your cover 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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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.