Student Mobile Phone Insurance

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.
• 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.

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 04/08/2026		Policies Purchased After 01/11/2025
Policy Wording	Claims Form	Policy Wording†
Policy IPID†		Policy IPID†

For all claims except Legal Expenses claims:

Please fill in a claims form:  Make A Claim

Cover4insurance will deal with all claims. You must refer all correspondence and telephone enquiries to cover4insurance.com at the following address:

Cover4 Insurance Claims Team,

Davies Group Ltd,

PO BOX 2801,

Stoke on Trent,

ST4 9DN.

Telephone: +443450308105

Email: Cover4claims@davies-group.com.

Please include the following details:

• Receipts, bills, valuations or repair estimates as appropriate for all claims for loss or damage.
• Full details of accident or injury and early prognosis for personal accident claims.

All claims for theft or loss must be reported to the police.

For all Legal Expenses (Section 6 only):

Legal Claims Notification & Advice Helpline Service:
– 0161 492 1639
– nonmotorclaims@financialandlegal.co.uk

We will not accept responsibility if the Claims Notification and Advice Helpline Services fail for reasons beyond our control.

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.