Tesco Phone Insurance Review | How it works and Coverage

tesco phone insurance review
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Insurance is imperative for several reasons. Whether it’s a motor, pet, life, or mobile phone insurance policy, it’s profitable in life.

For mobile phone insurance, Tesco phone insurance is a game-changer and is mostly opted for by many insurers.

The truth is, no one would want to buy a phone with the motive of losing it either by theft or damage. Maximum security is a major goal for everyone.

With Tesco Mobile insurance, you’re sure of your mobile safety, whether a high-end or mid-range phone. All you need to do is to learn and understand how it works, and you’re good to go.

To help you do that, I’ve reviewed the Tesco Mobile Phone insurance policy. In this Tesco Mobile Insurance Policy Review, you’ll learn everything there is to know about the insurance policy.

Read on!

What is Tesco phone insurance, and how does it work?

Tesco sells new pay-as-you-go phones and offers insurance on them. The insurance covers loss or theft, as well as accidental and malicious damage, as well as water and liquid damage.

Tesco Phone Recovery, which provides next-day replacement of your phone, also covers smartphones.

In case you need life insurance, you can check out Comfort Insurance Reviews 2023 | What it Covers

Is It Safe to Buy Tesco Phone Insurance?

Tesco Phone Insurance is a Tesco offering, an award-winning retailer known for providing consistently high-quality service to its consumers.

You can be confident in the company’s culpability because it is registered with the FCA in the United Kingdom.

The company provides a wide range of services from insurance to high-end electronics. Its contract is flexible, and all the options can be tailored to meet your specific requirements.

Tesco Phone Insurance is an add-on that you should consider purchasing because of the company’s focused customer support.

Why Should You Get Tesco Phone Insurance?

Are you undecided about whether to purchase a mobile insurance plan? So, our recommendation is that you purchase decent cellphone insurance.

The following are some of the advantages of purchasing Tesco Mobile Insurance:

  • There’s no need to be concerned about accidental damage or pricey repairs.
  • There’s no need to be concerned about theft or loss while traveling.
  • Don’t be concerned about using a “contract phone.”
  • You can rest assured that you will receive a replacement device.

What are the Types of Tesco Mobile Insurance?

Tesco has two mobile insurance products to accommodate diverse client needs for mobile users. The following are the details:

  • Coverage for Damages

As the name implies, these plans cover all accidental damages, including cracked screens and other such issues. This is global coverage.

  • Complete Coverage

All the coverage from the “Damage cover” plan is included in the complete coverage plan. It also comes with global theft and loss insurance for the device. Furthermore, the coverage is increased even when other family members use the phone.

What is covered by Tesco Phone Insurance?

Knowing all the covered areas before purchasing any insurance coverage is a good idea.

This will eliminate any future issues when filing a claim with the firm in the event of gadget loss or damage.

Knowing the regulations and limits of coverage might also give you an advantage.

Damage Insurance Plan

The following are the key benefits of the Tesco Mobile Protect “Damage Cover Plan”:

  • Any unintentional equipment harm
  • Attainments that are malicious
  • Pets are responsible for any harm they create.
  • Device failure after the warranty period has expired

Plan with Full Coverage

The “Full Cover” Plan contains all the above-mentioned coverage from the “Damage Plan.” It also contains the following items:

In the event of theft, the device will be lost. Note that both plans’ coverage extends to all corners of the globe. So, your gadget is protected even if you’re not in the UK.

What it doesn’t Include

Any insurance plan, whether for health, home, or mobile insurance, will always tell you what it covers.

As a result, you should strive to figure out what your phone insurance does not cover.

We’ve listed some of the biggest concerns that Tesco Mobile Protect doesn’t cover for your convenience:

  • Theft or loss claim under the “Damage Cover plan.”
  • If you don’t pay your premium, you won’t be covered.
  • Only claim for accessories.
  • If your phone is stolen, the cost of calls and texts will be incurred.
  • Any damage caused by the device’s modification.
  • Unless Tesco approves, the cost of repairs is your responsibility.
  • Any financial loss incurred as a result of the device’s loss or theft.
  • Data or personal information is lost.
  • If the authorities seize the device, there is no coverage.
  • Within a 12-month period, more than two claims were filed.

Read Also: Brentacre Insurance: How to get Brentacre Insurance Quotes 2023

How Much Does Tesco Mobile Insurance Cost?

The fee that you must pay differs depending on the device. The price is determined by the value of the phone you purchased, and you must present your welcome kit as proof.

You will be notified of the premium paid after your phone has been accepted for Tesco Mobile Protect Insurance.

This premium must be paid every month. When you pay the first month’s subscription, the plan is activated. You could opt for “Family Perks” to receive discounts if you have multiple devices.

How to File a Tesco Phone Insurance Claim

The claim process is the most aggravating aspect of any insurance policy. Please walk us through the steps for filing a Tesco Mobile Protect claim:

1. Make an attempt to make contact with the phone

You should first try to locate the gadget before filing a complaint. Try calling or texting it. Perhaps your device isn’t missing but rather strewn about your office or house.

According to the providers, you can reach the company by dialling the following numbers:

Tesco Mobile: 0345 301 4455 Vodafone: 0333 304 0191 EE: 07953 944 2502 3: 0333 300 3333 O2: 0344 809 0202 Tesco Mobile: 0345 301 4455 Tesco Mobile: 0345 301 4455 Tesco Mobile: 0345 301 4455 Tesco Mobile: 0345 301 4455 Tesco Mobile: 0345 301 4455

Call this number for international calls: +44 345 030 3290 (use the location prefix before dialling)

2. Keep an eye on the device

The device must then be tracked. You can use the iCloud Find My Phone feature if you have an iPhone. To track it on Android, use Google Device Finder.

3. File a police report

If nothing else works and you can’t find it, it’s a good idea to file a police report. During the claim settlement process, the crime reference number is required.

4. Make contact with the business.

If your gadget is lost or stolen, you should immediately contact the firm to report the theft. Remember to complete this step as soon as possible, preferably within 48 hours.

5. File the Claim

Now go to Tesco’s insurance claim page and submit a claim for damage, theft, or loss. A minor claim excess charge will be required. If you cannot access the website, you may submit your claim by calling 0345-030-3290.

Aside from mobile insurance, you can also get a Tesco Travel Insurance policy to cut down your travelling expenses

Factors to Consider When Choosing Phone Insurance

Before choosing a phone insurance company, there are things to consider. Some of them include:

  • Providing accurate information

When making a claim, make an effort to provide accurate facts. Giving incorrect information can result in a claim being denied.

You may be required to provide sufficient proof of the loss or theft and the crime reference number.

  • Timeline

Also, file the claim within 30 days of the device’s loss or damage. The equation will change after 30 days, and the Company’s terms will determine it.

  • Locked Device

When you submit a claim for a gadget, Tesco will entirely prohibit that device. As a result, keep this in mind. If you refuse to block the device, your claim will be delayed.

Tesco Phone Insurance – Device Replacement

When talking about device replacement, the following is what you must note:

  • Delivery

If your claim is approved, the Company will send you a replacement gadget the next day.

Remember that the new gadget may not be the same manufacturer, model, or colour as the original. The company may also provide a refurbished item.

If the Company fails to provide you with the new device on time, you will be fined £15 by the Company.

  • Right of the user

Remember that once Tesco obtains your stolen gadget, it becomes the Company’s property, and you have no claim to it.

As a result, if you took advantage of the claim settlement, you no longer have the right to use your previous gadget. To avoid a fine, you should return it to the company even if you find it elsewhere.

  • Tesco Phone Insurance Cancellation

When you buy Tesco phone insurance, the plan is activated for 59 months of auto-renewal unless you cancel. There are three reasons for the cancellation of an insurance policy:

  • Cancellation Automation

Tesco Mobile Protect is automatically cancelled when you have made a claim twice in a 12-month period. In this instance, the claim is automatically cancelled.

  • Within 28 days, you can cancel your reservation.

It’s possible that your mood has shifted in the days following your purchase. In that scenario, you can cancel the plan and receive a refund within 28 days.

If you want to terminate your plan within 28 days, contact the Company and ask them to do so.

Postponement of Cancellation

You can terminate the plan at any moment after the first 28 days, but the money will not be reimbursed. The plan, however, will end the month the payment is due to be paid.

You must also contact the support personnel to get the insurance cancelled for you. Otherwise, the premium will be withdrawn automatically.

Best Tips that can Help in the Tesco Phone Insurance claim Process

The following tips will help you file for a Tesco Phone Insurance claim;

  • Understand the key terms and conditions.
  • If your phone is stolen, you should immediately block it.
  • Within 30 days, file a claim.
  • If you have a damaged device, please return it to the company.
  • When filing, provide accurate information.

How many times can Tesco phone insurance be used?

Customers will be covered against loss, theft, and unintentional damage under the offer, which is valid for all new handset contracts barring the iPhone.

However, phones on Tesco Mobile, the retail giant’s own network, are not included in the deal. Customers will only be able to make two claims in a 12-month period.


Tesco Mobile phone Insurance is a fantastic way to protect your phone. If your device is safeguarded, you can use it and live worry-free lives.

As a result, you can get this mobile insurance. Note, don’t forget to check the plan specifics before purchasing and keep in mind the basic regulations in case you need to file a claim.

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