Mobile 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.

Making a claim is easy – simply log in to your My EE account and submit your claim online. If you prefer, you can call us on 150 from your EE phone or 07953 966 250 from any other phone, and we'll do the rest.

Full Cover or Damage Cover

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.

See more information about discounts.

Read more about all your device accessory needs.

I want to insure my EE device

You can add mobile phone 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.

Multi policy discount

We know your phones and connected devices are important to your everyday life. So we want to make it easier for you to insure more of your devices for less.

If you have two or more devices on the same account and choose to protect them with Full Cover or Damage Cover, you’ll get a 10% discount on your monthly insurance premium. As an example, if you have Full Cover at £12.32 a month on your first phone and Full Cover at £10.08 a month on your second, your total insurance bill would be calculated as follows:

Full Cover @ £12.32
Full Cover @ £10.08
Normal total insurance cost = £22.40
10% discount = £2.24
Discounted total insurance cost = £20.16

The great news is that you don’t have to select the same level of cover to get the discount; you could have Full Cover on the first and Damage Cover on the second.

Business insurance

The way it works for small business customers is a little different. If you have between two and nine devices insured on the same account, you will receive a 10% discount on your insurance each month; if you have between 10 and 19 devices insured on the same account you will receive a 15% discount on your insurance each month, and for 20+ devices insured on the same account you will receive a whopping 20% discount on your insurance each month.

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 Caseit free clear phone case, screen protector and £10 voucher off a selection of cases and screen protectors at accessories.ee.co.uk/promotion/MinuteOneBundle or at bt.com/shop/minuteone. Offer only 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. For eligible devices please speak to one of our advisors. The insurance element of Full Cover and Damage Cover is underwritten by Chubb European Group SE. See T&Cs for more details. Other benefits of Full Cover and Damage Cover will be provided by EE and further terms apply. For more information visit ee.co.uk/insuranceterms if you're a consumer or ee.co.uk/businessterms if you're a small business customer.

Free Minute One Premium Bundle: Bundle includes a free tech21 screen protector and phone case and two £10 vouchers. One £10 voucher can used online at either bt.com/shop/premiumminuteone or accessories.ee.co.uk/promotion/PremiumMinuteOne when purchasing accessories of over £30 and one £10 voucher can be used at www.tech21.com/custom cases|http://www.tech21.com/custom-cases against a custom case. 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. For eligible devices please speak to one of our advisors. The insurance element of Full Cover and Damage Cover is underwritten by Chubb European Group SE. See T&Cs for more details. Other benefits of Full Cover and Damage Cover will be provided by EE and further terms apply. For more information visit ee.co.uk/insuranceterms if you're a consumer or ee.co.uk/businessterms if you're a small business customer.

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 by Chubb European Group SE. See T&Cs for more details. Other benefits of Full Cover and Damage Cover will be provided by EE and further terms apply. For more information visit ee.co.uk/insuranceterms if you're a consumer or ee.co.uk/businessterms if you're a small business customer.