Compare Phone Insurance

Phone insurance sold direct in the UK starts at £1.49 a month and reaches £5.99, and the premium is the smaller half of what you pay. Every policy in this comparison charges an excess of £40 to £150 when you claim, and one of them adds £30 surcharges that stack on top of that. Figures were checked against each provider’s own policy documents between 1 and 19 September 2026.

The table below is the short answer. Underneath it is the part that decides whether any of this is worth buying for your phone: what it costs to actually make a claim, how old your handset is allowed to be, and which of these companies is carrying the risk.

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All 5 phone insurance providers compared

Figures are taken from each provider’s own published terms, with the date each one was last checked. 3 of 5 checked so far; a dash means we have not verified that provider yet.

Provider	Key figure
Go Compare Phone Insurance Go Compare Phone Insurance helps UK users find the best coverage in 2025. This leading comparison platform, furthermore, provides quotes from numerous top insurers, ensuring you access… Read our Go Compare Phone Insurance review	—	Get Cover!
Insurance2go Phone Insurance For a phone bought outright and under three years old, this is a competitive standalone policy: £1.99 to £9.99 a month depending on the handset, unlimited claims, loss and theft… Read our Insurance2go Phone Insurance review	Loyal Insurance Services Ltd (company 05350177), FRN 430316Brand ownerChecked 1 September 2026	Get Cover!
Protect Your Bubble Phone Insurance A straightforward product with an unusually clean structure behind it: the firm that quotes you is the firm that underwrites the policy, decides the claim and answers to the ombudsman,… Read our Protect Your Bubble Phone Insurance review	£5.99 a month — iPhone 17 256GB, damage and breakdown, after the 20% new-phone discountCheapest advertised monthly premiumChecked 13 September 2026	Get Cover!
Row.co.uk Phone Insurance Row.co.uk is a cheap, broad gadget policy from a small Poole administrator, sitting on the balance sheet of a real insurer in Astrenska. The headline of £1.49 a month is honest as far… Read our Row.co.uk Phone Insurance review	BIG Warranties Limited (company 07002567), FRN 798998, PooleAdministrator and brandChecked 3 September 2026	Get Cover!
Switched On Insurance Phone Insurance Switched On Insurance Phone Insurance offers UK users tailored coverage in 2025, starting from an affordable £3.50 per month. You can protect your valuable devices, including popular… Read our Switched On Insurance Phone Insurance review	—	Get Cover!

The monthly price tells you almost nothing

Put the premium and the excess together and the ranking changes completely.

Row.co.uk is the cheapest at £1.49 a month, or £17.88 for a year. Its standard excess is £40 if the gadget is insured for £200 or less and £75 above that, which covers every current smartphone. Then come the surcharges: £30 more for a loss or theft claim, £30 more for a claim made abroad, and £30 more for a claim in the first three months. Those stack. A phone lost on holiday in month two carries a £165 excess — £182.88 all in, on the policy that advertises £1.49.

Insurance2go opens at £1.99 a month on its Essential tier and £3.49 on Full. Its excess runs £50 to £150 depending on the handset, and it is not published anywhere before you complete a quote. There is also an Early Excess, charged on top of the standard one for any claim within 31 days of the policy starting, whose amount is not published either.

Protect Your Bubble is the dearest at £5.99 a month for an iPhone 17, and the most transparent: it publishes its excesses in full, model by model, before you buy. They run £50 to £150, set by device and by claim type — £100 for damage and £150 for theft on a Pro Max.

None of that makes any of them bad value against a £1,199 handset. It does mean the cheapest monthly price and the cheapest claim are not the same policy, and the gap between them is larger than the gap between the premiums.

Two of these are the same insurer wearing different names

A comparison is only worth making if the things being compared are actually different. Two of these are not.

Row.co.uk is administered by BIG Warranties Limited, and the risk is carried by Collinson Insurance, a trading name of Astrenska Insurance Limited — firm reference 202846. Insurance2go is a brand of Loyal Insurance Services, administered by Citymain, and the insurer on its current gadget wording is Collinson Insurance, a trading name of Astrenska Insurance Limited, firm reference 202846. The same company.

Protect Your Bubble is built the other way round. The brand, the underwriter and the claims handler are one legal person: Assurant General Insurance Limited, firm reference 202735, an authorised insurer since 1989 and regulated by the Prudential Regulation Authority as well as the FCA. One firm reference to check, one complaints address, and no argument about which party in a chain owns the problem.

Choosing between two brands that share an insurer is a choice about price, excess and service, not about who pays the claim. Worth knowing before you treat it as spreading your risk.

How old your phone is decides most of this

This is the rule that quietly removes most people from most of this market, and it is nothing to do with price.

Row.co.uk — the device must be under 12 months old at the date of application.
Protect Your Bubble — the first device on a policy must be under 12 months old. Additional gadgets can be up to 36 months.
Insurance2go — up to 36 months, UK purchase only.

If your phone is two years old, two of the three are closed to you before price enters the conversation, and Insurance2go is the answer by default rather than by merit. If your phone is new, all three are open and the excess is what to compare.

There are waiting periods to read as well. Row pays nothing at all in the first 14 days of a policy. Protect Your Bubble and Insurance2go both load the excess for early claims. None of these is a policy to buy with a cracked screen already in your pocket.

Loss is the claim people buy it for, and it is the one that is restricted

Ask someone why they insure a phone and most say they are worried about losing it. It is the peril every one of these policies treats differently from the rest.

Protect Your Bubble does not include loss at all in the base policy. It costs £1.50 per item per month on top — a 25% increase on the £5.99 headline — and it cannot be bought at any price on laptops, MacBooks, desktop PCs or monitors.

Row.co.uk includes it, then limits it: one theft or loss claim per policy year, against unlimited claims for accidental damage and breakdown, plus the £30 excess surcharge.

All three cover the bill somebody runs up on a stolen phone, and the clocks are short. Protect Your Bubble pays unauthorised network charges up to £10,000, running from discovery plus 24 hours. Insurance2go pays £1,000, also within 24 hours of discovering the theft or loss. Row pays up to £1,000 including VAT for 48 hours after a valid theft claim. The limit matters less than the clock: report it the moment you notice.

The independent ratings here are older than they look

Two of these providers lead with an independent rating, and both are worth checking the date on.

Insurance2go publishes a Defaqto 5 Star rating dated 1 February 2019. Defaqto reissues annually, so that is seven cycles old. Row.co.uk shows a Smart Money People score of 4.51 out of 5 from 247 reviews, last reviewed 31 March 2019. Protect Your Bubble holds Defaqto 5 Stars in 2023, 2024 and 2025, with nothing shown for 2026, and publishes its own claims acceptance rate of 96.7% for July to December 2025.

A current rating is not proof of a good policy and an old one is not proof of a bad one. But a badge from 2019 is describing a product that has been rewritten since, and it should carry the weight of a seven-year-old review rather than a current one.

Where this comparison stops

Two of the five providers listed above are not in the analysis on this page, and it is better to say so than to pad it out.

Go Compare is not an insurer and does not belong in a like-for-like comparison of policies. It is a comparison service that introduces you to gadget insurers, so using it is an alternative to reading this page rather than an option on it.

Switched On Insurance has not yet been checked against its own policy documents. Its figures are not quoted here for that reason. When it has been read properly it will appear in this comparison with a date attached, like everything else.

Everything above was taken from each provider’s own policy wording, key facts documents and published excess tables, on the dates shown. Premiums and excesses change; confirm the current figures with the provider before you buy.

Common questions

What is the cheapest phone insurance in the UK?

Of the providers compared here, Row.co.uk is the cheapest by monthly premium at £1.49 a month, or £1.41 paid annually. Insurance2go opens at £1.99 on its Essential tier and Protect Your Bubble at £5.99. The cheapest premium is not the cheapest claim: Row adds £30 excess surcharges for loss or theft, for claiming abroad and for claiming in the first three months, and they stack.

How much is the excess on phone insurance?

Between £40 and £150 on a single claim, before surcharges. Row.co.uk charges £40 where the gadget is insured for £200 or less and £75 above that. Insurance2go quotes £50 to £150 by handset but does not publish the figure before you run a quote. Protect Your Bubble publishes its full excess table model by model, from £50 to £150, set by device and by claim type.

Is losing my phone covered?

Not automatically. Protect Your Bubble excludes loss from the base policy and charges £1.50 per item per month to add it, and will not sell it at all on laptops or desktop computers. Row.co.uk includes loss but allows only one theft or loss claim per policy year and adds a £30 excess for it. Read the loss line before the price line.

Can I insure a phone that is two years old?

Only with Insurance2go of the three checked here, which accepts devices up to 36 months old bought in the UK. Row.co.uk requires the device to be under 12 months old at application, and Protect Your Bubble requires the first device on a policy to be under 12 months old, although additional gadgets added later can be up to 36 months.

Who actually underwrites these policies?

Row.co.uk and Insurance2go are both carried by Collinson Insurance, a trading name of Astrenska Insurance Limited, firm reference 202846 — the same insurer behind two different brands. Protect Your Bubble is a trading name of Assurant General Insurance Limited, firm reference 202735, which sells, underwrites and handles the claim itself.

Figures were taken from each provider’s own published documents on the dates shown, most recently 19 September 2026. Prices and excesses change — confirm the current figures with the provider before you buy.