Compare Barclays phone insurance

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Compare Barclays phone insurance

Barclays offer two phone insurance packages: Tech Pack and Tech Pack Lite. You can purchase either as an add-on to the current account that you have with them. But what's included? And how do their offerings compare to ours at insurance2go?

Take a look at our comparison of Barclays Tech Pack phone insurance against our own Full Cover policy.

What phone insurance packages do Barclays offer?

Barclays phone insurance Tech Pack and Tech Pack Lite packages are available only if you have a current account with the bank. Tech Pack Lite provides accidental damage and breakdown cover for up to two devices, as long as they are under 36-months old. Whereas Tech Pack covers up to four mobile phones and an unlimited number of gadgets, each purchased for £2,000 or less.

Is Barclays Tech Pack worth it?

It depends on what matters most to you when protecting your mobile phone. Here are some key pros and considerations of the Barclays package:

Pros of Barclays phone insurance

Covers multiple devices: The Tech Pack includes insurance for up to four mobile phones and unlimited gadgets, each worth up to £2,000.
Loss, theft, damage and breakdown protection: Phones are covered against loss, theft, accidental damage and breakdown, including faults outside of the manufacturer's warranty.
Worldwide protection: Your phone is covered globally, offering peace of mind when travelling.
Family coverage included: Your partner/spouse and children under 23 (if living with you or returning home during university breaks) are also covered.
Reduced excess after 12 months: Keep the pack for a year, and your excess fees go down as a loyalty benefit.

Considerations of Barclays phone insurance

You must have a Barclays current account: Tech Pack is only available to Barclays current account holders, and closing your account means your insurance ends automatically.
Limited number of claims: You are only allowed to make four claims within 12 months.
Monthly fee required: The Tech Pack costs £17.50 per month (with a six-month minimum term), which may be more expensive than some standalone insurance policies.
Gadget loss isn't covered: While phones are covered for loss, gadgets such as laptops and cameras are not, which may be a drawback if you want to cover a range of devices.
Certain devices aren't covered: Any device that must be plugged in continuously – such as a laptop, drone, camera and sat nav – is excluded from cover.
Cosmetic damage not covered: Scratches, dents and other cosmetic marks that don't affect functionality aren't included in the policy.

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How much does Barclays Tech Pack cost?

You can purchase the Tech Pack Lite cover for £13.50 per month and the Tech Pack cover for £17.50 per month. As stated above, the policies can cover up to mobile phones and/or gadgets, each purchased for £2,000 or less. Some accounts offer you a discount or a refund on a proportion of the fee if you pay a set amount each month, but this varies between suppliers.

How does Barclays Tech Pack compare with Insurance2go?

We have highlighted the details of Barclays phone insurance alongside our Full Cover policy in the table below. Take a look to see which one is best for you:

	Barclays phone insurance (Tech Pack Full Cover)	Insurance2go (Full Cover)
What is covered?	Accidental damage Mechanical breakdown Theft Loss - mobile phone only	Accidental damage Mechanical breakdown Theft Loss
What can I claim for?	For mobile phones: Unlimited claims for accidental damage and breakdown. Up to four claims for loss or theft. For gadgets: Additionally, you get up to four successful gadget claims (for theft, damage or breakdown) in 12 months. Loss is not covered.	Unlimited claims on all cover levels.
When can I cancel?	Insurance cannot be cancelled in isolation; you would need to cancel all the benefits of the account or switch to a different one if you no longer require phone insurance.	Cancel anytime
What type of devices can I insure?	You can register up to 4 phones and an unlimited number of gadgets, purchased for more than £2000.	All devices can be covered regardless of the purchase cost, even if you've owned the device for up to 3+ years already. If a device is not listed on the quote engine, you can contact us and we can add it for you.
Is there a minimum term?	Six-month minimum term.	No minimum term
What about excess?	£29 for mobile phone screen repairs, £49 for mobile phone or gadget repairs and £99 for mobile phone or gadget replacement.	We provide flexible excesses for our mobile phone policies and our gadget insurance excesses are based on the amount of your device.
How old can my device be?	Devices need to be less than 5 years old to be eligible for cover.	Devices need to be less than 3 years old to be eligible for cover.
Does the policy cover for unauthorised usage?	No	Cover for unauthorised usage up to £1000

Information correct at the time of publishing - March 2026.

As ever with insurance, there will be an excess payment required should you ever make a claim on your policy. This amount will vary, but it's an important consideration when selecting a policy to buy.

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Fantastic customer service. Customer service agents actually listen, take their time and go above and beyond to explain everything. Speaking to a human makes all the difference, especially when they're as nice and super helpful as insurance2go ones are!

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Policy features

We'll cover your new or refurbished devices brought in the UK within the last 36 months, as long as they were purchased with a 12-month warranty.

If your screen gets cracked or the headphone jack breaks, we’ll repair it. If it’s not repairable, we’ll replace it.

If your phone has a mechanical breakdown, for example it stops working and it’s out of warranty, send it to us, we'll repair it - if it’s not repairable, we’ll replace it.

If someone outside your immediate family damages your phone, we've got you covered. We’ll either repair your phone, or, if that's not possible, replace it.

If a bowl of rice can't save your phone, don't worry. We'll do what we can to repair it if it gets damaged by liquids, otherwise, we can replace it.

Wherever you go in the world, provided that this is in line with current government guidance, our worldwide cover goes with you.

If you accidentally lose your phone while you're covered with us, we’ll replace it for you.

We’ll replace your phone if it’s stolen.

You're covered for up to £100 if your eWallet is used to make unauthorised contactless payments.

You’re covered for up to £1,000 worth of unauthorised calls, texts and downloads made in the first 24 hours after the loss or theft of your phone.

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Instant cover
Whether you buy a monthly or annual policy you’re covered from the moment you buy
Any make, any model up to 36 months old
We insure any phone – bought new or refurbished – from a UK-registered company if it was supplied with a warranty (even if you've owned it up to 3 years already)
Unlimited claims
Accidents happen, so that's why there's no limit to how many claims you can make
94% of claims accepted
You won't have to bend over backwards to prove your claim. In 2024, we approved 94% of mobile phone insurance claims*.
Here since 2007
We were one of the first businesses to provide specialist insurance for mobiles and gadgets. And, as part of the SPB Group, we have even more experience dating back to 1965.
In-house service from start to finish
Enjoy our seamless service from UK-based support and repair teams

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FAQs about our cover compared to Barclays phone insurance

Yes, unlike the Barclays phone insurance policy, we cover phones of all values as long as they're under 36-months old. We cover a variety of phones, including manufacturers such as Apple and Google.

Deciding between our Full and Essential mobile insurance comes down to how much protection you want for your device. Full Cover is the more comprehensive option, including protection against loss, theft, accidental damage and breakdown, making it ideal if you'd struggle to replace your phone or want cover comparable to broader packaged-bank policies like Barclays phone insurance.

Essential Cover is a budget-friendly choice that focuses on the most common issues - accidental damage and mechanical breakdown - and works well if you're confident you won't need loss or theft cover or have a lower‑value handset. In short, choose Full Cover for maximum peace of mind, or opt for Essential if you only need everyday protection at a lower cost - and with insurance2go's flexible policies, it's easy to pick the level of cover that suits your needs.

Your excess amount is based on the value of your specific device, so we calculate it individually for each policy. If you need to claim within the first 31 days of your cover starting, an additional Early Excess will apply at the rate of £50 per claim.

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*Last reviewed November 2025