Average mobile phone insurance cost
| Phone type | Typical monthly insurance cost |
|---|---|
| Budget smartphones | £3 – £6 per month |
| Mid-range smartphones | £6 – £10 per month |
| Premium phones (e.g. flagship models) | £10 – £18 per month |
Premium devices such as high-end smartphones typically have higher insurance costs due to their repair and replacement prices.
Factors that affect phone insurance cost
- Phone brand and model
- Device value
- Coverage features included
- Policy excess amount
- Insurance provider pricing
Coverage features that influence price
Policies with broader protection may cost more. Common features include:
Excess payments
Many insurance policies include an excess, which is the amount paid by the policyholder when making a claim.
Higher excess amounts may reduce the monthly insurance premium.
Compare price and coverage
When comparing policies, it helps to consider both the monthly cost and the level of protection offered.
Visit the Mobile Phone Insurance hub to explore the full guide.
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