Phone Insurance

Relax, we've got you covered

Losing or breaking your device can feel like the end of the world. There’s the cost, for one thing, and then there’s the hassle of getting everything set up again. Life literally goes on hold. But with Full Cover you can use your device, safe in the knowledge we’ve got you covered.

If your device is lost, stolen, accidentally damaged or breaks down, you could get a refurbished replacement the next day. So you’ll never need to put your life on hold for a device mishap again.

Full Cover not for you? Damage Cover offers protection against accidental damage as well as breakdown. Compare what's covered below or you can view the Insurance Product Information Documents for both products here.

What's Included?
	Full Cover (From £4.80 per month)*	Damage Cover (From £2.40 per month)*
Next Day Replacement, with SIM	✔	✔
Worldwide Cover	✔	✔
Cover For Loss	✔	✖
Cover For Theft	✔	✖
Cover for Accidental Damage	✔	✔
Cover for diagnosed faults in the first 2 years	✔	✔
Multi-policy discount	✔	✔
Cover for in-box manufacturer provided charging accessories	✔	✔
FREE Minute One Accessories Bundle worth £24.99	✖	✔
FREE Minute One Premium Accessories Bundle worth £39.99 (or FREE Minute One Accessories Bundle worth £24.99 when a Premium Bundle is not available)	✔	✖

*Your monthly premium will vary depending on your device, this represents the monthly premium for our lowest tier device.

For information about discounts, click here.

For all your device accessory needs, click here.

I want to insure my EE device

You can add insurance when you upgrade or take out a new contract online, in store or over the phone, direct with EE.

If you have already upgraded or taken a new line but didn’t take insurance, we may still be able to offer you cover. Call us on 150 from your EE phone or 07953 966 250 from any other phone to talk through your options.

We are only able to insure devices purchased direct from EE; online, in store or over the phone. We constantly review which devices are insurable and there are some devices we are unable to insure. We are unable to offer insurance on any device that is already lost, stolen or damaged.

Need to make a claim? Click here for help and information.

The legal bit

T&Cs: Our standard 150 opening hours are 8am - 9pm weekdays and 8am - 8pm on weekends. Free to pay monthly customers. Calls to 07953 966 250 are charged at standard network rates. If calling from another phone, check call charges with your provider.

Excess: An excess is payable for each successful claim. To see what the current excess bands and amounts are, click here.

Next day refurbished replacement: Geographical restrictions, bank holidays and exceptional circumstances apply.

Claims limit: We will accept a total number of two successful loss/theft claims in a 12 month period. The 12 month period begins on the date we accept your first claim. There is no limit on the number of successful claims we will accept for accidental damage during the period of cover.

Faulty replacement: For a fee, you can get a next day refurbished replacement if your device is diagnosed with a fault in the first 24 months from the start of your Airtime Plan contract. This fee will be added onto your Airtime Plan bill. Not available to Apple customers within the first 12 months. Not available to SIM only customers. Check ee.co.uk/excessandcharges for the latest fees.

Free Minute One Bundle: Bundle includes a free clear phone case, screen protector and £10 voucher off a selection of cases and screen protectors at accessories.ee.co.uk/promotion/MinuteOne Offer available to customers taking Damage Cover insurance at the same time as taking out a new, or upgrading to a new Pay Monthly contract on selected phones. Subject to availability. Eligible phones for this offer are Huawei P Smart, Huawei P30 Lite, Huawei P Smart 2019, Sony L3, Samsung A20e and Samsung A40 where Damage Cover is £3.36 a month, Apple iPhone 7 and 8, and Huawei Mate 20 Lite, Samsung A70 and A80 where Damage Cover is £5.60, Apple iPhone XR, Google Pixel 3, Huawei P20 Pro, Samsung Galaxy S10E, Huawei P30 where Damage Cover is £7.84, Apple iPhone 7 Plus, 8 Plus, X, XS, XS Max, Samsung Galaxy S9, Note 9, Google Pixel 3 XL, S10, S10+, Huawei Mate20 Pro and Huawei P30 Pro where Damage Cover is £10.08. Offer also available to customers taking Full Cover insurance at the same time as taking out a new, or upgrading to a new Pay Monthly contract on selected phones. Eligible phones, Huawei Mate 20 Lite and Samsung A70 where Full Cover is £10.08 a month, Huawei P30 Lite, Huawei P Smart 2019, Sony L3 and Samsung A20e and Samsung A40 where Full Cover is £7.84 a month. Insurance element of Full Cover and Damage Cover is underwritten by Chubb European Group SE, an undertaking governed by the provisions of the French insurance code with registration number 450 327 374 RCS Nanterre. Registered ofﬁce: La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie, France. Chubb may refuse cover. The breakdown element of Full Cover is provided by Chubb European Group SE, all other features of Full Cover are provided by EE Insurance, other terms apply, see ee.co.uk/insuranceterms.

Free Minute One Premium Bundle: Bundle includes free Zagg screen protector, phone case and £10 voucher to be used online at accessories.ee.co.uk/promotion/PremiumBundle when purchasing accessories of over £30. Offer only available to customers taking Full Cover insurance at the same time as taking out a new, or upgrading to a new Pay Monthly contract on selected phones. Subject to availability. Eligible phones for this offer are Apple iPhone 7, 8, and Samsung Galaxy Note8 where Full Cover is £10.08 a month, Samsung Galaxy S9, 10E, Apple iPhone 8, XR, Huawei P20 Pro and Google Pixel 3 where Full Cover is £12.32 a month, and Apple iPhone 7 Plus, 8 Plus, X, XS, XS Max, Samsung Galaxy Note9, 10, 10+, Google Pixel 3XL and Huawei Mate20 Pro where Full Cover is £14 a month. The insurance element of Full Cover and Damage Cover is underwritten by Chubb European Group SE, an undertaking governed by the provisions of the French insurance code with registration number 450 327 374 RCS Nanterre. Registered ofﬁce: La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie, France. Chubb may refuse cover. The breakdown element of Full Cover is provided by Chubb European Group SE, all other features of Full Cover are provided by EE Insurance, other terms apply, see ee.co.uk/insuranceterms.

Multi policy discount: Additional policies must be in your name and on the same EE account to get the discount. Discount off the monthly charge for your insurance product only. It doesn’t apply to the excess or any other insurance fees.

Please note: We can change the terms or withdraw these discounts at any time. However, you will be given at least 30 days’ notice in writing of any changes to these terms.

Total monthly insurance payments are exempt from VAT and include Insurance Premium Tax (IPT) at the prevailing rate. You’ll be told the premium amount (inclusive of IPT) for your device before you buy it and it will be detailed on Your Confirmation of Your Insurance Cover in your welcome pack. If Insurance Premium Tax or any other taxes related to this insurance change, this will affect the amount you pay each month.

The insurance element of Full Cover and Damage Cover is underwritten and administered by Chubb European Group SE, an undertaking governed by the provisions of the French insurance code with registration number 450 327 374 RCS Nanterre. Registered ofﬁce: La Tour Carpe Diem, 31 Place des Corolles, Esplanade Nord, 92400 Courbevoie, France. CEG has fully paid share capital of €896,176,662. UK business address: 100 Leadenhall Street, London EC3A 3BP. Authorised and supervised by the French Prudential Supervision and Resolution Authority (4, Place de Budapest, CS 92459, 75436 PARIS CEDEX 09) and authorised and subject to limited regulation by the Financial Conduct Authority. Details about the extent of our regulation by the Financial Conduct Authority are available from us on request. We may refuse cover. Breakdown and all other features of Full Cover will be provided by EE Insurance and other terms apply, see ee.co.uk/insuranceterms.