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It may be hard to believe, but there was a time before mobile phones. I know, right? Imagine life without your most trusted companion. Imagine train journeys spent not lurking your crush’s Instagram profile. Imagine going to bed and going to sleep instead of burning your eyes by looking at Twitter and online shopping.

Mobile phones have come to dominate our society. Walk down the street, jump on a bus or sit in a pub and you will see it; everyone has their face glued to their phone. But, despite mobile phones being such a key component of our existence, so many of us leave them unprotected; why?

In the UK right now, 94% of adults own a mobile phone, according to research by Statista. Unsurprisingly, despite the continued protests by Android users, Apple dominates the UK’s phone market. The most up to date research from Statcounter reveals that the lifestyle technology company is responsible for over 48% of phones in the UK, with Samsung (29%) and Huawei coming in second and third (8%).

When you look at the numbers surrounding our relationships with our phones, it becomes clear that we’re addicted. A recent OFCOM report revealed that people in the UK now check their phone on average every 12 minutes during the waking day, with 45% of adults admitting to checking their phone within five minutes of waking up; a figure that increases to 65% of people under 35. The way we interact with our phones has also changed. Just under a decade ago, only 20% of phones were used to access the internet, that number now stands at over 70%. 71% of adults say they never switch off their phone, and 78% admit that they couldn’t live without it.

Phones have completely changed our lives. 55% of us check them during mealtime, 65% use them in bed, and a third of us have argued with our partners over mobile usage. But while we (pretty much) all have phones, but how many of us have phone insurance? You’d like to think that, given the importance of the mobile phone, this statistic would be pretty high. However, it appears we don’t love our phones that much, with roughly three-quarters of phone owners admitting to not having any form of insurance.


Why should you consider getting phone insurance?

With the prices of mobile phones continuing to increase as technology advances, phone insurance is becoming a must-have for phone owners. The newest iPhone and Samsung handsets go for over £1,000, making them hard to replace should they be damaged and you don’t have phone insurance. As anyone with one of these handsets will tell you, the idea of having to downgrade to an older handset is nauseating.  If you have a history of phone loss and damage, taking out phone insurance could save you a lot of cash in the long-run by covering the cost of expensive replacements.

It’s not only about the financial cost of losing a phone. With more people working from home and on-the-go, our mobile phones have become an extension of both our professional and personal selves. The latest handsets are geared-up with the technology needed to manage your business and home life, and losing or damaging an expensive handset that you cannot afford to replace immediately can jeopardize your work. While that back-up Nokia in your ‘Stuff’ draw has a battery that can last for days, it’s not going to be much use when it comes to hosting international video calls and responding to emails, so you need to make sure your phone is covered.

What options are there when it comes to cover?

As anyone who has ever bought a phone will tell you, you’re going to be inundated with sales peak when getting a new contract or a handset. The salesperson in the shop is going to try and sell you a load of add-ons, and it can be tempting to say no to them all. However, when it comes to phone insurance, it may be worth listening to what they have to say.

A newly purchased handset will most likely have a warranty period after purchase. A warranty guarantee is issued to the purchaser of a product by its manufacturer and promises to repair or replace it if necessary. While warranties are a great way of calming the initial purchase nerves, they only last for a certain amount of time. For example, The Apple Limited Warranty covers your iPhone and accessories against manufacturing defects for one year from the date you bought your product. After those 12 months are up, it’s down to you to pay for the repairs; which, as anyone with an Apple product can attest, are usually very costly.

Insurance is a term that carries a lot of negative connotations as no one wants to pay for something they might not ever use. However, when it comes to your mobile phone, insurance should be seen as a friend rather than a foe. Insuring your phone doesn’t have to be costly, with the initial outlay being worth it should something happen to your handset.


Contents Insurance

Before you consider purchasing phone insurance, you should find out if your phone is already covered. If you have home insurance, your phone might be covered already, or you will be able to add the protection you need to your policy for a small fee.

However, while this may appear like good news on initial reading, there are some limitations to home content insurance that mean you may still want to upgrade your policy to sufficiently cover your mobile phone and any other gadgets you might own.

The majority of contents insurance policies will only cover your mobile phone when it is in the home. The insurance policy will cover your phone from loss or theft in the home as well as damages incurred in a flood or a fire.

Obviously, for many people, this is not adequate cover, and there are a few options to consider adding on to your content insurance policy.

Accidental Damage Cover

Accidental damage cover will cover your phone from accidental damage in the home. This policy will pay out for any accidents to your phone, such as dropping in the sink or leaving it in your trouser pocket and putting it through the wash. Without accident damage cover, you can only claim for damages caused by damage to the property, such as a house fire.

Out of Home Cover

The whole point of a mobile phone is that you can take it anywhere (the clue is in the name; ‘mobile’). While accidental damage cover will protect your phone in your home, what about when it is outside? Many of us live our lives on the go, so if you want to protect your phone outside the home, you will need away from home/personal possessions cover added on to your home insurance policy. Away from home cover means that your phone is protected wherever it goes. It’s also referred to as ‘all risks insurance’ and covers items that regularly leave home, such as phones, gadgets, jewellery and watches.


While taking out mobile phone cover on your contents insurance works for many people, there are some limitations to this option.

The first thing to consider is what happens when you make a claim. To claim on your home insurance, you’ll need to pay the excess you agreed with your insurance provider. As your mobile is just another item on your insurance policy, you will have to pay the full excess should you make a claim – despite it being the only item you’re claiming. That said, if your mobile is worth a small fortune, you might be willing to take this risk.

The last thing to consider is how making a claim may affect your contents insurance premium. Claiming for your mobile could lead to your premium increasing when it comes to renewal time, so it might not be worth adding your phone to your police in the long run.

Gadget Insurance

If you’re not keen on the idea of adding your mobile phone to your home insurance, gadget insurance is most likely the best route for you. We’ve all been guilty of dropping our phones, and gadget insurance prevents us from having to partake in the nail-biting moment where we discover if the screen has smashed or if it has remained intact. Not only are phones expensive, but they are also extremely delicate, making the need for gadget insurance imperative.

Standalone gadget insurance can be purchased cheaply. Policies start from as low as £1.50, with the excess typically standing at around £25-£100. These figures are significantly lower than home insurance claims, which can end up costing anywhere between £100 – £400 per claim. There’s also no jeopardy of ruining your no claims benefit, which will save you money in the long run.

What to consider

As always, when purchasing gadget insurance, it’s recommended that you do your research and understand what your policy contains and covers. If you’re thinking about getting some gadget cover, here are a few things to consider.

What is excess? Excess is the amount you will pay when you make a claim. For example, if your phone costs £600 to replace and your excess is £50, your insurer will pay £550. Policies with higher excess tend to be cheaper, but they also mean that your wallet will take more of a beating in the event of a claim.

What is the cover level? You need to know this if you’re planning to insure a high-value device. Many providers offer unlimited maximum cover, but it is always best to check. Similarly, it’s worth checking whether your specific device can be covered, as some policies will not protect devices of a certain age, for example.

Can you get multi-device cover? Our phones aren’t the only expensive gadget we carry around. Portable consoles and tablets are also popular, so see if your insurers will offer protection for multiple devices. This method tends to be cheaper than taking out separate policies for each device, so it is well worth consideration.

Are your gadgets protected worldwide? Worldwide cover protects your items across the world. If you’re someone that regularly travels for business or leisure, this type of cover is particularly useful. While travel insurance policies often offer some form of gadget cover, they tend to have low limits and the excess is usually higher.

Gadget insurance is undoubtedly the best method of protecting your phone from the many hazards that it encounters. However, while it may be the most comprehensive option, it’s worth noting that it tends to not available to under 18s or people using second-hand phones.


So there you have it, everything you need to know about phone insurance. Insurance might feel like an impracticality, but with mobile phones and gadgets being such an essential part of our daily existence, it has become something of a necessity. The last thing you want to happen is to be caught short without a phone because yours has smashed and you can’t afford a new one. As with any purchase of this nature, do your research before you commit and make sure that you understand what it is that you’re buying. If you’re ever unsure, don’t rush; go out and read about the terminology and take your time.

Insuring your gadgets with buzzvault

We recognised that insurance doesn’t always work as it should, which is why we built buzzvault: hyper-personalised home and contents insurance based on a digital inventory of what you own and its value. So what does this mean for you, the customer?

  1. Our insurance is based on an up-to-date record of what you own and its value, so you always have the right level of cover in place.
  2. You can add new items to your policy as and when you acquire them, so your cover stays up to date.
  3. If an item is listed in your buzzvault, then it’s covered. End of story. Simply open our app and claim back at the touch of a button.

If you want to learn more about what we offer, then head over to https://gobuzzvault.com. Or jump straight in and get a super-rapid personalised quote now.