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Can I insure a refurbished mobile phone? Yes, we insure brand new mobile phones and refurbished phones which are less than 36 months old. Your phone must have been purchased in the United Kingdom from a VAT registered business. 

Our mobile phone insurance will cover the following*

Hassle-free claims process. Our claims processing team is based in the United Kingdom and we provide a straight-forward, hassle-free claims process whether you're making a claim for a smashed screen or a stolen phone, claims can be submitted online 24 hours a day.

Accidental damage. If your mobile phone is damaged accidentally we will repair your phone and if it can’t be repaired we will replace it.

Liquid damage. In the event your smartphone is damaged due to liquid ingression and can’t be repaired, we will replace it.

Mechanical breakdown. If a breakdown of your mobile phone occurs outside of the manufacturer’s guarantee or warranty period we will pay the repair costs. If we are unable to economically repair your phone, then a replacement phone will be provided.

Loss. Should you wish to take out the optional loss cover at an additional charge and lose your phone we will replace it.

Theft. If you mobile phone is stolen we will replace it.

Worldwide cover. We provide up to 90 days cover abroad per annum.

Family cover. Immediate family members using the mobile phone will be covered.

Unauthorised use. In the event your phone is stolen or lost your misuse of equipment cover is up to £1000.

Do I need mobile phone insurance? Mobile phones are a fundamental part of our daily life. Can you imagine leaving home with your phone on you? Nearly everybody who owns a phone has an expensive smartphone with them most of the time.

We carry our expensive phones around with the risk of theft, loss or accidental damage. Your expensive smartphone usually has high costs to repair or replace to ensure you can continue using your phone contract which you will still be liable to pay even without the use of your mobile phone.

You can reduce your exposure to these risks by taking out mobile phone insurance. The benefits of having mobile phone insurance include having your mobile phone repaired or replaced when accidentally damaged and in the event of your phone being stolen or lost, having your phone replaced.

Mobile phones are a fundamental part of our daily life. Can you imagine leaving home without your phone on you? Nearly everybody who owns a phone has an expensive smartphone with them most of the time.

We carry our expensive phones around with the risk of theft, loss or accidental damage every day and your smartphone usually has high costs to repair or replace in the event of an unfortunate experience. To ensure you can continue using your phone contract which you will still be liable to pay even without the use of your mobile phone, compare mobile phone insurance for peace of mind and protect your mobile phone today. 

When will my phone insurance policy start? Your phone insurance will commence immediately if your mobile phone is less than 6 months old. If your mobile phone is more than 6 months old, your cover will start after 14 days.

How do I make a mobile phone insurance claim? You can submit a claim online 24 hours a day. In the event your phone is lost or stolen, you must report this to the police and your mobile phone network within 24 hours and to us within 48 hours.

What is my phone insurance policy excess? iPhone claims have an excess of £75, all other phones have a £50 excess. If you select our optional loss cover and you lose your phone, there is an additional excess of £25 for loss claims. 

All claims are processed in the U.K by Warranty and Creditor Services. You can make a claim online here MAKE A CLAIM, call us on 01256 471387 or email claims@wcsinsurance.co.uk

Please Note:
Your handset must be in good working condition and free from defects and damage when you apply for cover.
If your handset is over 6 months of age when applying for insurance there is no cover in the first 14 days of the policy.
You must take reasonable care of your handset, for example you will not be covered if you leave it behind in a public place.
In the event of theft or loss you must notify the police and your airtime provider within 24 hours of the incident occurring.
We expect you not to expose your handset to risk of damage unnecessarily.