What is low-excess phone insurance?
Mobile phone insurance with a low excess means you'll pay a smaller amount out of your own pocket when making a claim on your insurance. Meanwhile, other policies may require a higher excess that requires you to contribute more of your own money to a claim.
What's considered a 'low' excess varies from person to person, so it's wise to compare policies before choosing one. What may be low for one person may not be considered low for another.
Depending on the type of policy you have, you could make a claim for damage, loss or theft of a mobile device.
"Low-excess phone insurance isn’t just about saving money when you make a claim – it’s about making sure you’re covered without the shock of a bigger bill. Affordable, manageable excess can make all the difference in keeping your tech safe in a way that suits your financial circumstances." – James, Customer Service Agent at insurance2go
Do I need low-excess phone insurance?
Several factors can help you decide whether mobile phone insurance with low excess is right for you. If you have a high-end smartphone, the likelihood is that repairs or replacements could be costly, so a policy with an option for lower excess might be more appealing.
On the other hand, you might not feel the need for a low-excess policy if you’ve already set aside funds to cover any potential claim. Others, however, may worry about having that money available when needed.
It's important to note that while the excess may be lower, the premiums you pay will typically be higher. It all comes down to personal preference.
How does the cost of excess vary across mobile phone policies with insurance2go?
The answer to this depends on the make and model you'd like to insure. We typically offer more than one excess option – the higher the excess you choose, the cheaper the premium, and vice versa. For some hi-spec models, excess may sit at around £150 , while for cheaper, older models it may be as little as £25.
For us, low excess isn't the only mark of a great phone insurance policy. Instead, we think it's important to prioritise a dependable policy and good customer support. However, we understand the importance of financial flexibility, so we offer a choice of payment options to suit your needs. You can opt for a monthly rolling subscription or a single annual payment, with the latter offering better value overall.
Why choose insurance2go for your mobile phone insurance?
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Instant cover
Get cover straight away, helping you go about your day with confidence, knowing your device is protected.
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Unlimited claims
We understand accidents can happen more than once, so don't worry about having to make multiple claims.
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Flexible plans
You have the option to pay for a year upfront or make monthly payments. Do what works for you.
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Any make, any model
Even if you've owned it for up to 3 years already, we can insure a new or refurbished phone as long as it was bought from a UK-registered company and came with a warranty.
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94% of claims accepted
Did you know we approved 94% of mobile phone insurance claims in 2024*? It's why we're a top choice for so many customers.
Very easy to use and straight forward they responded to emails fast
Insure your mobile phone today
While we don't position ourselves strictly as a low-excess phone insurance provider, we're confident in delivering top-quality cover with built-in financial flexibility. Whether you need basic cover or more comprehensive protection, our Essential and Full plans make it easier to choose the right level at a price that works for you. For better value on multiple devices, our multi-gadget insurance is a great option.
Start by getting a quote online. Once set up and ready to go, you can learn how to manage your policy using the 'Your Policy' tab. Find out even more about us and how we operate over our help & support section. Alternatively, get direct support by getting in touch with our customer support team online or by calling 0333 999 7905.