Compare Halifax Ultimate Reward phone insurance

Halifax offer customers that have an Ultimate Reward Current Account a series of added value services which include mobile phone insurance.

We've compared the policy from Halifax with our own, so read on to see how they stack up.

How much does the Ultimate Reward account cost?

According to the Halifax website, there is a £17 monthly fee for maintaining the account. The Ultimate Reward account is similar to other banks and provides a series of additional benefits which include Travel Insurance, Breakdown Cover, Home Emergency Cover, alongside phone insurance. Some accounts offer you a discount or a refund on a proportion of the fee if you pay in a set amount each month, but this varies between suppliers.

Their mobile phone policy can cover one phone per account holder and a maximum of two phones for joint accounts.

Instantly protect your phone

How does Halifax phone insurance compare with Insurance2go?

On the table below, we have highlighted the benefits of Halifax phone insurance and Insurance2go to help you decide which one is best for you.

	Halifax (Full cover)	Insurance2go (Full cover)
What is covered?	Accidental damage Mechanical breakdown Theft Loss	Accidental damage Mechanical breakdown Theft Loss
What type of repair or replacement could I expect?	Repair or replacement phone up to a maximum value of £2,000 (including VAT) per claim.	We repair or replace your device for a like-for-like model.
What can I claim for?	No more than 2 successful claims within a 12-month period. An excess of £100 is payable with every approved claim.	Unlimited claims. The excess amount for each approved claim is dependent on the make and model of the insured phone.
How do I claim?	You will need to register your device with the insurer via the Halifax Banking App. To make a claim, you need to call the insurer directly.	Claim online 24/7 using our online claims platform, or you can contact us by phone or email.
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.	You can cancel at anytime.
Am I covered for Worldwide cover?	Worldwide cover for up to 31 days per trip with the possibility of extending.	Our worldwide cover goes with you, provided that this is in line with current government guidance.

Information correct at the time of publishing - July 2022.

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.

Great value phone insurance

OUR POLICIES

What type of phone insurance do you need?

Choosing the right type of mobile phone insurance is straightforward. You will usually have a choice of plans with different cover levels which provide varying degrees of protection for your phone.

Mobile insurance policies which provide the highest levels of cover will cost the most, but it’s important that you choose a level of protection that suits you.

You can compare our phone insurance plans in the table below:

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.

Your phone is covered if it gets damaged by liquids.

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.
Unlimited claims
Accidents happen, so that's why there's no limit to how many claims you can make
95% of claims accepted
You won't have to bend over backwards to prove your claim. In 2022, we approved 95% of mobile phone insurance claims*.
Here since 2007
We were one of the first businesses to provide specialist insurance for mobiles and gadgets
In-house service from start to finish
Enjoy our seamless service from UK-based support and repair teams