BEST MOBILE INSURANCE OPTIONS IN 2023(UPDATED)

This article will focus primarily on the mobile insurance options we consider to be the best in 2023. Sky mobile insurance, Tesco mobile insurance, mobile insurance with Barclays, and Natwest.

Overview

Certainly, obtaining mobile insurance for your phone seems unnecessary and a waste of resources; however, consider a scenario where you have had to replace tons of phones due to theft or whatever way your phone got out of your hand.

Now imagine how easy it would have been for you to recover those lost or stolen phones without having to pay out of pocket or incur extra charges. 

Stats according to the channel-prone network show that approximately 70 million phones are lost annually, with a replacement rate of 7%.

CBN provided a more detailed picture, stating that 113 smartphones are lost per minute.

If you don’t want to be part of this statistic, you’ll need cell phone insurance from the top minds in the industry.

Meanwhile, get a sneak peek at what you’ll be learning from this article. 

Do I Need Mobile Phone Insurance?

When your phone is new and expensive, you’ll require mobile phone insurance.

Second, if you have a habit of misplacing or breaking your phone, mobile phone insurance will be beneficial. Let’s face it, some people are more prone to losing or breaking their phones than others, necessitating the purchase of insurance.

Finally, if you’re on a tight budget. If you don’t have any room for shocks in your budget and rely on your phone, consider purchasing mobile phone insurance.

Is Mobile Phone Insurance Worth It?

Certainly, nothing has all of the advantages and none of the drawbacks. The same goes for phone insurance.

Cell phone insurance can be a waste of money at times. That is, if you expect your phone’s value to decline quickly. I mean, there’s no use in squandering money on a device that will become obsolete in the near future. The insurance claim will be less than the premium paid if something goes wrong.

Then there was the time when your phone wasn’t particularly expensive. For a £200 annual premium, it makes little sense to insure a phone that costs less than £400.

How can I find the best mobile phone insurance companies if I’m persuaded to give it a shot? 

Characteristics Of The Best Mobile Insurance Policies

If you notice these characteristics in a mobile phone insurance plan, you can be sure that it will be one of the best options in 2023.

• The premium that is affordable is: When insuring a depreciable item, the cost is critical. Before you begin, take the time to assess the cost of a two-year contract. Also, choose insurance that is within your budget.

• Risks Covered: The risks that insurance firms and policies cover are what set them apart. Choose a plan with a wide range of benefits.

• When comparing plans, keep the deductible prices and insurance costs in mind.

• Claim: Investigate the procedures used to make the claims. Choose a plan that communicates ease and convenience.

See also: Our article mobile phone insurance

Sky Mobile Insurance

Sky Mobile is a surprising latecomer to the mobile industry in the UK. It debuted in 2017 and is based on O2’s robust network design (as is an MVNO). As a result, Sky provides 4G, 3G, and 2G coverage to 99% of the population. It also matches O2’s 5G coverage, which is presently available in over 20 UK cities. Existing Sky TV and broadband subscribers can also take advantage of additional Sky Mobile features, including that those with a mobile plan may stream video from any Sky TV app without using up their data allocation, and 5G is available at no extra cost.

Sky Mobile Insurance has a variety of plans to choose from, as well as early upgrade options in 2023. You’ll also have access to data rollover from multiple months in a ‘data piggybank’ for up to three years and a selection of the top Samsung Galaxy and iPhone models. 

What Are The Best Handsets To Get On Sky Mobile?

Sky Mobile’s phone lineup always includes the most recent iPhones, as well as the most recent Samsung Galaxy and Huawei P models.

And if you’re willing to spend a little extra on a high-quality phone, you can’t go wrong with any of them.

Older iPhones, as well as phones from Samsung’s Galaxy A mid-range line, are also available if you’re on a tight budget.

Sky Mobile also sells phones from Google, Sony, Nokia, and Doro, which are designed for the elderly.

 How Is Sky Mobile Insurance Coverage Like?

Sky Mobile’s 4G and 5G services rely on O2’s network infrastructure. This means that mobile coverage is identical, and Sky Mobile provides 4G coverage to 99% of the UK population.

The best approach to determining the quality of Sky Mobile coverage in your area is to use its availability checker.

See Also: Sky Insurance

Tesco Mobile Insurance

Tesco is a well-known brand, and the Tesco Mobile service was launched in 2003. It’s a Mobile Virtual Network Operator (MVNO), which in this case runs on the O2 network. When you call Tesco Mobile’s customer support, you’ll actually be speaking with O2

Although Tesco Mobile markets itself as a low-cost network, it nevertheless sells the most up-to-date phones, such as Apple’s iPhone Pro models and Samsung’s Galaxy S, Galaxy Note Plus, and Ultra models.

Tesco Mobile, in keeping with its reputation as a value brand, also provides lower-cost iPhones, such as the iPhone SE 2023 and Samsung’s Galaxy A lineup, as well as budget-friendly models from Nokia, Sony, OnePlus, Huawei, Motorola, LG, and others. If you’re trying to save money, this might be the best option.

What Are The Best Mobiles To Get On Tesco Mobile Insurance?

Tesco Mobile’s pricing is consistently lower than that of its well-known competitors, so it’s well worth a look if you’re on a budget. Or if you’re fed up with paying too much for your cellphone plan.

Tesco Mobile’s 4G and 5G speeds and coverage are identical to O2’s nationwide phone network. Tesco Mobile simply means you’ll pay a little less for them.

What makes it less expensive than the competition? Unlike O2 and EE, Tesco Mobile does not lure you with freebies or incentives. , however, it is able to keep costs low.

That isn’t to imply that Tesco Mobile doesn’t provide any sort of customer incentive.

In fact, one of its most appealing features is the opportunity to earn free ClubCard points to spend on groceries, which you may get by paying your monthly phone bill.

Tesco Mobile’s pay-per-month phone-and-tariff contract options are also outstanding, with 12-month, 18-month, 24-month, 30-month, and 36-month contracts available.

Furthermore, they’re remarkably flexible, letting you choose how much you wish to pay upfront, from nothing to £180.

SIM-only plans are available in 12-month and 18-month lengths. Tesco Mobile also provides ‘no-contract’ SIMs, which function on a rolling contract basis and allow you to withdraw with 30 days’ notice if you’re cautious about a long-term commitment.

It’s also worth mentioning that Tesco Mobile’s 5G SIM-only plans are no more expensive than 4G plans with similar capacities.

So, if you live in an area where O2’s 5G service is accessible and you have a 5G-compatible phone, Tesco mobile phones could be an option.

How Is Tesco’s Mobile Coverage Like?

Tesco Mobile’s service depends on the O2 network, which has 99 percent population coverage in the UK and is expanding its 5G reach.

However, as of 2023, Tesco Mobile will still limit its coverage options to larger towns and cities.

Using Tesco Mobile’s availability checker is the easiest and most reliable way to see what kind of service you can expect in your location.

See Also: Tesco Phone Insurance

Mobile Insurance With Barclays

For £14.50 per month, you can get Barclays mobile phone insurance included in the Tech Pack, which covers four devices worth up to £1,500 each. If you have a bundled account, you may cover all of your phones under the same insurance, which is an excellent option for couples and families.

Barclays’ mobile phone insurance is quite comprehensive. It will cover up to four devices and protect them against damage, theft, and loss anywhere in the world. They do, however, limit the number of Loss and Theft claims you can make in a year.  Furthermore, you must commit to a minimum 6-month contract, which implies you cannot terminate it earlier.  The Barclays Tech Pack is a decent option for homes with more than two phones. 

What Barclays Covers for Your Mobile Insurance

You can bring your devices with you and have them covered against loss, theft, or damage not only at home but anywhere in the world with gadget cover. Your phone is secured from unauthorized network charges, and if it’s stolen, we’ll try to replace it with a refurbished model within 48 hours.

#1. Worldwide cover for your gadgets and associated accessories against loss, theft, or damage

• Cover for phones, computers, tablets, cameras, and other electrical devices
• Coverage for camera lenses up to the policy limit.
• Choose your level of cover from £1,000 to £10,000 – without any need to pay for extras
• Individual gadgets costing above £1,000 just need to be specified.
• Refurbishment or cash/vouchers for devices.

#2. Mobile phone breakdown

If your phone breaks down outside the manufacturer’s warranty period, they aim to provide a refurbished replacement within 48 hours.

#3. No age restrictions on gadgets

It doesn’t matter how old your devices are; they’re insured regardless of how long you’ve had them.

#4. Family Cover

Barclays mobile insurance also covers your partners and any family members who live with you on a permanent basis.

What Barclays Mobile Insurance Doesnt Cover

Barclays mobile insurance doesn’t include giving you a new phone; instead, they give you a refurbished phone that’s as good as new. There are also certain restrictions.

• If you don’t notify your network provider within 24 hours of discovering your device has been lost or stolen, you risk being charged for unauthorized use.
• Loss of data, such as music, images, or movies, stored on the device
• Scratches, dents, and other types of cosmetic damage that do not prevent the device from performing correctly are acceptable.

Mobile Insurance With Natwest

National Provincial Bank and Westminster Bank merged to establish NatWest Bank in 1968. In March 2000, The Royal Bank of Scotland Group paid £21 billion to the bank.

Types Of Mobile Insurance Cover Available In NatWest

NatWest offers free mobile insurance with its Silver and Platinum bank accounts. Each type of account has different coverage limits, but both offer global coverage for loss, theft, unintentional damage, and breakdown.

The Natwest mobile insurance policy protects you against loss, theft, accidental damage, and malfunction (once your warranty has expired). American International Group UK Limited underwrites the policy.

Insurance is available for both account holders’ mobile phones if you have a joint account.

What Does Natwest Mobile Insurance Cover?

NatWest mobile phone insurance covers the following:

• Theft Damage Loss (including accidental)
• The cover is accessible all around the world.
• Breakdown (not covered by the manufacturer’s warranty)
• 1 approved claim per 12-month period for Silver accounts (1 each for joint accounts)
• Platinum accounts are entitled to two approved claims in every 12-month period (2 each for joint accounts)
• Up to £250 in coverage for accessories involved in the same event as the device.

PS: Replacement phones from NatWest are reconditioned devices in “as new” condition (using genuine manufacturer parts).

The Procedure For Filing A Claim

To make a claim on your NatWest mobile insurance policy, log in to your online account with the bank’s membership services and follow the steps there. If you haven’t already, you’ll need to register your phone’s information.

When theft, loss, damage, or failure is detected, claims should be notified as quickly as possible. You must get a crime reference number from the police and notify your network provider as soon as possible to file a theft claim.

When your phone is replaced, there will be a £100 fee for each accepted claim. If you take your phone to a NatWest repair agent or the repair agent comes to your location to fix your phone, you will be charged £50 extra for each granted claim. When you ship your phone to NatWest to be repaired, there will be a £100 extra for Silver account members.

How to Get in Touch With NatWest

Fill out the online contact form to get in touch with NatWest.

Call the following numbers to reach the bank’s customer care department:

• Silver accounts should call 0345 601 5219.
• Platinum status holders should call 0345 609 0453.
• Black account holders call 0345 601 7188
• Student and Graduate holders should holders call 0345 600 8746

Monday through Friday, 8 a.m. to 8 p.m. (excluding holidays), and Saturdays, 9 a.m. to 5 p.m.

You may also send a letter to the bank at this address:

Sentinel House Airspeed Road, Portsmouth, P03 5RF NatWest customer service staff

Conclusion

Finally, if you didn’t find these alternatives useful, there are various additional top mobile insurance solutions to consider, but we are confident that these ones stand out. One of them will meet your mobile insurance needs. Simply survey their sites, read their policies, and choose the one that satisfies your needs.

FAQs

Does Barclays phone insurance cover cracked screen?

For example, a scratched screen on a tablet or a mobile phone would not be covered, but a cracked screen would. Contents of your device We only cover the device, we don’t cover the contents.

Is it worth having mobile phone insurance?

Cellphone insurance may be worth it if the cost of replacing your phone would put a strain on your finances.

How do I claim on my NatWest phone insurance?

Register a claim online (opens in a new window) or call us.

1. Select Silver or Reward Silver: 0345 601 5219. overseas: +44 2392 664 912.
2. Select Platinum or Reward Platinum: 0345 609 0453. overseas: +44 2392 668 650.
3. Black or Reward Black: 0345 601 7188. overseas: +44 2392 660 340. Minicom: 0345 600 0512.

How many devices does Sky Protect cover?

8 devices

All Sky customers are eligible to take up Sky Protect and you can choose to cover up to 8 devices.