Our Basic Gadget Insurance will cover you for the loss and theft of your mobile phone. So, if your phone is lost or stolen we will provide you with a replacement phone.
As our phones are such a necessity, at Cover My we believe that covering your phone and protecting it from any mishaps is just as important as insuring your car or home.
As we use our devices for more everyday tasks and getting about it’s not hard to see why they are potentially at a great risk of getting damaged, lost or stolen. If the unthinkable was to happen to your device then it can be a costly and upsetting experience. That is why at CoverMy we aim to remove the stress and offer you comfort in knowing your device is protected with reliable cover when you need it the most.
You should feel confident and relaxed in knowing you have the right cover that will support you and protect everything you care about. That’s why we aim to keep everything as simple as we can for our customers.
We’ve designed affordable mobile insurance that gives you the comfort in knowing your phone is protected with cover that suits you and your device. Our Basic Gadget Insurance will cover you for the loss and theft of your mobile phone. So, if your phone is lost or stolen we will provide you with a replacement phone – so any downtime from being able to keep in touch with everyone is minimised. With loss and theft cover you also get Worldwide Cover, Fraudulent Call Cover and Accessories Cover.
We provide cover for all the popular manufacturers including Apple, Samsung, Huawei and other leading brands with the latest models such as iPhone 11, iPhone XR, iPhone 11 Pro, Samsung Galaxy Note 10 and Samsung S10 all at affordable prices.
Types of cover
Our most comprehensive cover which offers protection in the event of theft, loss or unexpected mishaps.
Our Basic Cover offers protection against theft and loss.
What we cover
Your device is covered for repairs and replacements which are a direct result of accidental damage to your devices screen. Each claim will be up to your policy limit.
Fraudulent Usage Cover
If your gadget is accidentally lost or stolen and is used fraudulently, we will reimburse you for the costs up to a maximum value of £500 upon receipt of your itemised bill. This is in addition to the policy limit stated on your schedule of insurance.
If you lose your mobile phone or tablet we will provide a replacement item up to the policy limit.
If your gadget is stolen we will provide a replacement item up to the policy limit. Where only part or parts of your gadget have been stolen, we will only replace that part or parts.
If your claim is approved, we will replace any accessories that were lost, stolen or damaged at the same time as your gadget up to a maximum value of £150. Proof of purchase for the accessories will be required. This is in addition to the policy limit stated on your schedule of insurance.
Your device is covered for repairs and replacements which are a direct result of damage caused by liquid. Each claim will be up to your policy limit.
Reliable protection for a variety of needs
Whatever your device, and however much you can afford to spend on insuring it – we’ve got the package that’ll suit your needs, and make sure the hassle caused by an unexpected mishap with your phone is minimised.
With our gadget cover when you purchase your insurance you are insured instantly. No waiting around for another day or two.
We will make sure that your phone is always repaired or replaced, and that’s regardless of how many times you need our help.
We offer 90 days of worldwide cover in any 12 month period of cover
97% of claims paid
We have paid out on 97% of claims and are proud that we have been able to help so many customers in their time of need.
Cover Comparison table
Frequently Asked Questions
Gadget Basic Cover
Our Basic Cover will cover your device for Loss and Theft. It also covers Fraudulent Usage Cover, Liquid Damage, Accessories Cover, Cracked Screen and Worldwide Cover.
If your gadget claim is approved, we will replace any accessories that were lost, stolen or damaged at the same time as your gadget up to a maximum value of £150. Proof of purchase for the accessories will be required. This is in addition to the policy limit stated on your Schedule of Insurance.
Your gadget is covered for up to 90 days in total worldwide in any 12 month period of cover. Replacement or repair can only be dealt with once you are back in the UK.
Yes, we will need an original receipt and any other documentation required to prove your device was purchased as new in the UK directly from a manufacturer, network provider or retail store (high street or online) OR purchased as refurbished in the UK direct from the manufacturer or network provider. This must show the date of purchase, make, model, IMEI/Serial number of your device.
Yes, there is an excess fee applied every time you make a claim. You can select what you want your excess level to be as you go through and build your cover.
Our cover is instant. As soon as you have paid your cover will start on the date you have selected the policy to start from.
We understand that you need your device replaced as quickly as possible. That is why we aim to have a replacement device in your hands within 48 hours of a claim being approved.
We will provide a gadget of the same age and condition and specification (we cannot guarantee that it will be the same colour as the original gadget) or, if not available, one of comparable specification or equivalent value taking into account the age and condition of the original gadget. For clarity, this is not a ‘new for old’ policy and the replacement item can be a new or refurbished item of equivalent specification.
We currently only offer insurance on iPhones, smartphones, mobiles and tablets. We do cover some accessories, upto a limit of £150, that are in use with your device. Please see our policy wording for a full list of what accessories we cover.