About Phone Insurance
How many Mobile Phones are stolen each year?
Over 800,000 Mobile Phones are reported stolen each year in the UK. This doesn't take into account Mobiles that are lost or damaged.
On June 28 2006 Detective Inspector Kenny McDonald of the National Mobile Phone Crime Unit said that a staggering 45% of street crime involved a Mobile Phone.
If I take out a policy with Loyal Insurance what will I be covered for?
You Mobile Phone will be covered for:
- Theft
- Theft from a vehicle
- Loss
- Damage
- Water damage
- Overseas cover
- Breakdown cover
- Family members covered (over 16)
See our Terms & Conditions for full details.
Why replacing a Mobile Phone costs more than you paid for it if you pay the bills monthly?
Making sure that your Mobile is covered is especially important if you pay your Mobile bills monthly. The initial price you paid for the handset is very likely to have been subsidised by the fact that you agreed to sign up to a contract. If your phone is then lost or stolen you still have to pay off the contract even if you don't have a phone, you can of course buy a replacement but that won't be subsidised.
For example: A Nokia 7610 is often 'Free' to buy with a contract, however to purchase it without a contact can cost as much as £300.
Or if you signed a contract for a 18 month period and then you lost your handset after say 3 months you'd have 9 months to pay off. If the rental is £30 per month that comes to £540!
Your Mobile Phone will be covered overseas?
We’ll cover your Mobile Phone overseas for up to 60 days per year.
Protecting your Mobile Phone:
The Metropolitan police recommend that you treat your Mobile like holding a £100 note in your hand.
So, keep alert and aware of your surroundings when using your Mobile, especially in city areas.
Try not to leave your phone on display when in public areas such as pubs.
Always check you have your phone when you leave a bus, train or taxi and avoid using your phone when you're around water or in the pouring rain!!
Why buy Mobile Phone Insurance from Loyal Insurance
Because Loyal Insurance is a Web based company, our prices are very competitive. You could save up to £109.89 a year on insurance compared to prices charged by leading high street retailers, see price comparisons for details.
We don't pay rent on high street stores. We don't pay commission to sales consultants.
Despite this you won't be inconvenienced if you need to claim, we will process your claim within 4 hours of getting all the necessary details and if the claim is accepted a replacement handset out will be sent out to you the next day.
See how much you could save
Cost of Monthly Cover
| Loyal Insurance |
£5.99 |
| Carphone Warehouse |
£13.65 |
| Phones 4U |
£9.99 |
You Save up to £7.66* per month Plus 4th month FREE
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