Compare Nationwide FlexPlus phone insurance

Nationwide FlexPlus account includes phone insurance as an additional benefit which is part of their packaged account. You can start benefiting from the insurance that comes with it as soon as your account is active.

Read on to see how it compares to our own insurance.

Is Nationwide FlexPlus phone insurance worth it?

Phone insurance comes as standard when you apply for a Nationwide FlexPlus account. It is included as a benefit in return for the £13 monthly fee for maintaining the account. You also get Travel Insurance and Breakdown Cover included within the fee, and don't need to pre-register your devices before being covered.
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.

If you close your account, then your policy will be automatically cancelled as well. If you're looking for the flexibility of an independent policy that you could cancel at anytime, you might want to consider other options in the market.

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Compare Nationwide FlexPlus to Insurance2go

We have highlighted the benefits of Nationwide FlexPlus insurance and our own phone insurance on the table below, to help you decide which is best for you:

	Nationwide FlexPlus (Full Cover)	Insurance2go (Full cover)
What is covered?	Accidental damage Mechanical breakdown Theft Loss	Accidental damage Mechanical breakdown Theft Loss
What can I claim for?	No more than 4 successful claims within any 12-month period.	Unlimited claims.
When can I cancel?	The policy is an integral part of the services that come with the Nationwide Flexplus account. You would need to close your account for the insurance to be cancelled as well.	14 day cooling off period with a full refund. Cancel anytime. No cancellation fees.
What type of device(s) can I insure?	Cover for mobile phone devices only.	Cover offered for mobile phones and a variety of tablets and laptops.
How much is the excess?	For Apple phones: £75 for damage and breakdown. £125 for loss and theft. For non Apple phones: £50 for damage and breakdown. £100 for loss and theft.	Excess depends on the make and model of your phone.
Is there a cost limit insure my phone?	No cover for phones that are worth more than £1500.	Cover offered for most makes and models of phones and gadgets.

Information correct at the time of publishing - July 2022.

Both our own policy and the Nationwide equivalent apply an excess when you make a claim. This is usually based on the value of the phone you are insuring and should be a factor when deciding whether a policy is right for you.

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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