How does EE phone insurance compare?

Whilst predominantly known for the sales of phones with connected contracts, EE also offer mobile insurance as an add-on. However, you can only buy this cover at the time you purchase your new phone from them.

See how their policy compares to our own phone insurance policy by checking out the details below.

How much does EE phone insurance cost?

As with the other networks, the cost of EE phone insurance will vary depending on the phone contract that you have with them. Generally, if your phone has a higher spec, then your insurance premium may reflect that within the cost. You can view our table where you can check the prices of network providers, O2, EE and Vodafone and compare them with our own.

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Is EE phone insurance worth it?

Insurance from EE can be worth it If you are using EE as your Network Provider and you would like to buy a new phone from them, you may also add insurance on to your contract to keep your new phone protected.

	EE (Full cover)	Insurance2go (Full cover)
When can I purchase insurance?	Insurance can only be bought when you upgrade or take out a new phone contract.	Insurance can be bought anytime as long as the phone is under 36 months old.
What is covered?	Accidental damage Mechanical breakdown Theft Loss	Accidental damage Mechanical breakdown Theft Loss
When can I cancel?	14 day cooling off period during which, you can cancel the policy and receive a full refund. No refund will be due if a successful claim has been made during the initial 14 days of insurance. Minimum of 1 day notice required before cancelling.	14 day cooling off period for a full refund with no exceptions. No refund will be due if a successful claim has been made during the initial 14 days of insurance. Cancel anytime - No notice required. Policy remains active and ongoing until you decide to cancel it.
Are my accessories covered?	No accessories cover except for the charging accessories supplied by the manufacturer in the box of your mobile phone.	Accessories are covered regardless of which company they were bought from as long as the retailer is UK VAT registered.
What can I claim for?	Unlimited accidental damage claims. Maximum of 2 theft or loss claims per year starting from the policy inception date.	Unlimited claims anytime, with no exceptions.
Does the policy include Worldwide cover?	Worldwide cover for accidental damage, breakdown, theft and loss.	Our worldwide cover goes with you, provided that this is in line with current government guidance.
Am I covered for unauthorised usage?	No cover for unauthorised network charges when the insured phone is lost or stolen.	Cover for unauthorised usage when the phone is lost or stolen up to the amount of £1000.

Information correct at the time of publishing - July 2022.

Don't forget to consider the excess fees applicable to each policy as well, when comparing. The excess fee is your contribution to the repair or replacement of your phone, which normally varies on the type of model you have.

Great value phone insurance

Full Cover plan from EE with AppleCare+ vs Insurance2go

Below we have compared our own Full Cover plan with that of AppleCare from EE for your iPhone insurance.

We’ve highlighted the benefits for your ease, and compared them against our phone insurance, so that you can pick the plan that you believe will provide the best value for money.

	AppleCare+ with EE	Insurance2go
What devices can I insure?	Cover cannot be transferred to another phone. If you upgrade your mobile phone all cover under this insurance will end.	All iPhone models, up to 36 moths old can be covered with us.
Who carries out the repairs?	Repairs carried out by the manufacturer at Apple stores and Apple authorised repair centres.	Use of Apple approved repair centres.
What type of replacement could I expect?	Replacements will be from a refurbished stock of the same make and model or a similar one.	Replacements will be from a refurbished stock of the same make and model or a similar one.
When can I cancel?	Policies need to be cancelled within the first 14 days for a full refund after the policy inception, or from the next bill date with a minimum of one day's notice to the insurer.	Policies can be cancelled within the first 14 days after the policy inception for a full refund or anytime after. The cover will expire at the end of the bill period. No notice required for cancelling.
Extra fees?	Possible extra charges for failed deliveries when the arranged phone delivery/collection times are not met. Extra charge if the security features of the phone (e.g Find my iPhone) are not disabled prior to the repair or replacement of the phone that is claimed for.	No extra charges for failed phone deliveries or any mishaps. No extra charges during the repair or the replacement of the phone that is claimed for.
When will the insurance stop?	Insurance will be automatically terminated when: The phone on cover is upgraded or changed. A theft or loss claim for the phone on cover has been declined.	Insurance will only be terminated upon the policyholder’s instruction at any point during the lifetime of the policy or any ongoing claim.

Information correct at the time of publishing - July 2022.

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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