Student Mobile Phone Insurance

Phone Insurance

If you are a student and just want to insure your mobile phone, iPhone or smartphone then look no further. We can offer a standalone insurance product that will insure your mobile phone without having to take out a basic level of possessions insurance with us.

This alternative insurance policy can also provide insurance for laptop computers, IPads, gadgets and other items requiring insurance in a bundle without the requirement to take out the student contents insurance policy.

Why choose cover4insurance for Mobile Phone Insurance:

  • Specialist Student Insurance
  • 60 Days Worldwide Cover
  • Includes Accidental Damage & Theft Cover As Standard
  • Optional Accidental Loss cover

Is Your Mobile Phone More Than 3 Years Old?

If your mobile phone are older than three years, do not worry as we have another student mobile phone insurance product called Essentials Insurance, where the age of the item to be insured does not matter. Click here for more information.

Try Combining Mobile Phone Cover With Students Contents Insurance

As a Student at University it may be cheaper to insure your mobile phone as part of the contents insurance package so please obtain a student contents insurance quote as well, By combining student mobile phone insurance with our student contents insurance not only will you save money on the cost of the insurance you will also benefit from a lower policy excess of only £10.

Policy Features

What does the mobile phone insurance cover?

Our mobile phone insurance is designed to protect you against accidental damage, loss or theft of your mobile phone. It also provides cover if your mobile phone suffers a mechanical or electrical breakdown outside of the manufacturer's guarantee period.

  • Theft - We will replace your gadget/mobile phone, if it is stolen. For example, it may be stolen from your property following a break-in or from your person i.e. a mugging.
  • Accidental Loss - (Optional) If you accidentally lose your gadget/mobile phone then we will replace it if you have selected this cover – For example your phone may fall out of your pocket.
  • Accidental damage -We will repair or replace your gadget/mobile phone if it suffers accidental damage. For example, you may accidentally drop your gadget in a puddle.
  • Cracked screen - We will repair or replace your gadget/mobile phone if it accidentally suffers damage to the screen. For example, you may drop your phone or tablet.
  • Liquid damage - We will repair or replace your gadget/mobile phone if it accidentally suffers liquid damage – For example you may accidentally spill water on your gadget.
  • Breakdown (up to £500) - We will repair or replace your gadget/mobile phone if it is damaged as a direct result of an electrical or mechanical breakdown which occurs outside of the manufacturers guarantee period.
  • Malicious damage - We will repair or replace your gadget/mobile phone, if it is damaged as through the intentional or deliberate actions of anyone other than you or a member of your immediate family.
  • Unauthorised use (up to £250) - If your mobile phone/ gadget is accidentally lost or stolen and the loss or theft is covered by your policy, we will refund the cost of unauthorised calls, texts or downloads made after the time it was lost or stolen up to a maximum of £250 (£20 if you have a “pay as you go” mobile phone). Cover will only apply to unauthorised usage taking place within 24 hours of discovery of the loss or theft.
  • Accessories - If your claim for your gadget/mobile phone is approved, we will replace any accessories that were accidentally lost, stolen or damaged at the same time as your gadget/mobile phone, up to a maximum of £150.
  • 60 days worldwide cover - We will cover your gadgets/mobile phone that you take out of the United Kingdom for up to 60 days whilst you are abroad during any period of insurance. NB: Please note a replacement or repair can only be dealt with once you return to the United Kingdom, the Channel Islands or the Isle of Man.
  • 30 day cooling off period - You have a 30 day cooling off period, in which you can cancel the policy for a full refund, providing that no claims have been made and there are no claims pending on the policy.


If you purchase mobile phone insurance from Cover4Insurance, we will send you an email confirming your purchase of cover and provide you with your personal policy schedule, policy wording and policy summary documents.

You will also have the option for a printed copy to be sent via post subject to an additional postage premium being paid.

We also provide the option below for you to view and download the Policy Wording and Policy Summary documents so that you can view prior to purchase or at any time after.

How to view the policy documents

The policy documents are available as PDFs. To view these documents you will need a PDF reader. Download Adobe Reader from the Adobe website or visit Access Adobe for help.

To view your documents, please click on the links below.

Policies Purchased after 09/08/2023 Policies Purchased up to 09/08/2023 (& renewals)
Adobe PDF Policy WordingPolicy Wording Adobe PDF
Adobe PDF Policy IPIDPolicy IPID Adobe PDF
Policies Purchased after 01/01/2021 Policies Purchased up to 01/01/2021
Adobe PDF Policy WordingPolicy Wording Adobe PDF
Adobe PDF Policy IPIDPolicy IPID Adobe PDF
Insurance Product Information Document.


For policies purchased after 01/04/2017:

Who to Contact

To make a claim, call the claims administrator on 0161 974 1101. Lines are open between 9am and 5pm Monday to Friday.

Fill out the online claims form here: Make A Claim

or write to:

Cover4students Claims Team, Stream Claims Services, Copthall House, King Street, Newcastle under Lyme, ST5 1EL.

Calls may be recorded for training, compliance and fraud prevention purposes.

Things You Must Do.

You must comply with the following conditions. If you fail to do so and this affects the ability of the claims administrator to fully assess your claim or keep our losses to a minimum, we may not pay your claim or any payment could be reduced.

  • All claims must be reported to the claims administrator as soon as possible but in any event, within 14 days of you becoming aware of an incident. You must complete a claim form (in full) and provide at your own expense, any information and assistance which the claims administrator may require in establishing the amount of any payment under your insurance.
  • You must provide evidence of ownership of your gadget or mobile phone to support any claim, and any other receipts or documents that we may request. If you cannot provide evidence of ownership, your claim will not be valid.
  • All thefts must be reported to the police within 24 hours of your discovery of the incident. You must provide the claims administrator with a crime reference number.
  • If your gadget or mobile phone is lost, you must obtain a lost property reference from the police or a lost property reporting service which is accredited by the police.
  • You must report the loss or theft of your mobile phone to your Network Provider within 24 hours of the incident so they can block it and stop anyone else using it.
  • If your gadget or mobile phone is damaged, you must provide the gadget or mobile phone for inspection and repair.

If we replace the mobile phone he damage or lost mobile phone becomes ours. If it is returned or found you must notify us and send it to us if we ask you to.


Exclusions apply to this insurance. This page provides a summary of these exclusions but full details of all exclusions can be found in the policy booklet we strongly recommend that you read the policy booklet. Please go to Policy Documents Tab.

Significant or Unusual Exclusions or LimitationsPolicy Wording Page

To buy this insurance you must be:

  • aged 18 or over at the time of purchasing this insurance.
  • own a phone with a UK SIM card if the phone was purchased in a home country before moving to the UK, 

The gadget or mobile phone must:

  • be a mobile phone, bluetooth headset, camera lense, DVD player, E-Reader, fitness tracker, digital camera, earphones or headphones, games console, in-car computer, iPad, iPod, laptop computer, MP3 player, PDA, satellite navigation device, tablet or a video camera.
  • not have been lost, stolen or damaged before the start date of this insurance.
  • be less than 36 months old.
  • be owned by you and must not have been purchased at auction or from an online auction website.
  • if a refurbished item, be purchased directly from the manufacturer or Network Provider. Second hand items that are not refurbished cannot be covered.

Cover applies to gadgets or mobile phones used in the United Kingdom with a UK SIM card, the Channel Islands or the Isle of Man and for use for up to 60 days abroad during any period of insurance.

‘Eligibility’ Page 4

Definition of ‘Gadget’ & ‘Mobile Phone’ Page 11

We will not provide any cover for:

  • loss, theft, damage or breakdown as a result of not taking care of your gadget or mobile phone.
  • anything that occurs during the exclusion period.
  • any policy excess.
  • any gadget or mobile phone if you cannot provide evidence of ownership.
  • any mobile phone claim where evidence of usage is not provided.
  • any claim which is covered under the warranty or guarantee provided by the manufacturer or retailer.
  • value added tax (VAT) if you are registered for VAT with HM Revenue and Customs.
  • any costs or expenses which are not directly associated with the incident which caused the claim. For example, the cost of replacing any personalised ringtones or graphics or downloaded material or software.
  • reconnection costs or subscription fees of any kind.
  • any loss or damage as a result of war or acts of terrorism, nuclear risks or from pressure waves caused by aircraft or other aerial devices travelling at sonic or supersonic speeds.

‘Section 4’ – Exclusions That Apply To The Whole Policy Page 7

‘Initial Exclusion Period’ Page 4

Definition of ‘Exclusion Period’ Page 11

Phone Security

Every year thousands of mobile phones and are stolen. Incidents can happen when on nights out, burglary from house break-ins, theft from handbags and even when people leave there mobile phones unattended. There are simple steps for students to prevent mobile phones from being stolen. You can consider registering the mobile phone to yourself so if it is stolen and found it can be returned back to you.

You should also consider student mobile phone insurance.
Student Mobile Phone Insurance Quote

10 tips for students, to help protect a mobile phone:

  1. Pin Codes—Make sure you have a pin code on your mobile phone. This can prevent the thief gaining instant access to your phone, and running up a high phone bill. Also your contacts will remain safe. And, hopefully, by the time the thief gains access to your phone, you will have alerted your provider to block your phone.
  2. Aware Of Surroundings—When you use your mobile phone, you should be aware of people around you. They could be waiting, to sneak up and pinch your mobile phone, when you least expect it.
  3. Essential—If you are walking alone, try to only use your mobile phone when necessary. Without thinking, you are advertising your mobile phone, and letting strangers know you have one. If it is an expensive one, they could follow you and mug you.
  4. Protect—You wouldn’t leave £500 lying on a table a pub or club. So why do that with your mobile phone? Protect it the best you can, keep it with you at all times, don't carry it in a shallow pocket, where it can easily fall out or be picked from.
  5. Strangers—There have been many incidents where a stranger, dressed smartly and look very unsuspicious has asked in a polite way to borrow a mobile phone for a minute to call home. The phone owner obviously steps away to not seen like they are listening in to the call and GONE. The mobile has been stolen and the stranger who was dressed smartly has stolen the mobile phone.
  6. Marking Your Phone—Consider marking the mobile with an ultra violet pen with your name and postcode or use smart water or similar product, consider marking underneath the battery or in the top corner of your device. The marking will not be visible in natural light on your mobile phone so the thief maybe unaware it is marked. This way if found the police can use a special light to expose the name and postcode.
  7. Keep Charged—It can be easy to go on your phone all day playing games and going on applications, this can drain your battery. It is important to keep your phone charged so you have it in case an emergency occurs. Consider taking your phone charger to work or to events to keep it charged.
  8. Emails—A lot of mobiles now have the option to pick up emails. Try and delete any important emails which may be on your phone and could have contact details or payment details on.
  9. Apps—Modern technology has now allowed mobile phones to have a large number of different applications or ‘apps’ as they are better known. Try and avoid having apps on that have bank details on, these apps are quite popular as you can check account activity in a matter of seconds, however would you want a thief to see these details in a matter of seconds.
  10. Insurance For Mobiles—With phones getting more and more expensive it is so important to insure your mobile. Therefore if anything does happen you have cover in place to protect you.