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Should you take out standalone phone insurance cover?

Insuring your smartphone on a standalone policy rather than adding it to your home contents insurance can provide you with dedicated cover that won’t affect other policies you may have. 

However, standalone insurance can have stricter requirements, so it’s important to compare both options to find the best cover for you.

Note: Your home insurance policy typically doesn’t include your smartphone within standard contents. You need to add it as a specified item to get cover inside and outside your home.

Compare mobile phone insurance quotes

Find the right cover for your phone by comparing quotes from multiple providers

What is and isn’t covered under mobile insurance

Gadget insurance for mobile phones covers a range of risks, but there are some situations and types of damage that are excluded.

Included: 

  • Theft
  • Liquid damage
  • Accessories cover (to certain value)
  • Accidental damage
  • International cover for theft and damage (typically 60-180 days)
  • Loss (usually costs extra to include)

Usually excluded: 

  • Damage that doesn’t affect phone’s functionality
  • Wear and tear
  • Unauthorised repairs or modifications
  • Mechanical/ electrical faults if phone is within original warranty

Did you know? Under most standalone mobile phone insurance policies, your old device becomes the insurer’s property once it has been replaced.

Is my phone eligible for mobile insurance?

Standalone mobile phone insurance can have strict eligibility requirements. Your phone may need to:

  • Be less than 12 months old
  • Be bought new from the manufacturer or network provider
  • Be bought in Ireland, the UK, or US
  • Have no pre-existing damage such as a cracked screen
  • Have an active SIM card to prove your phone is in use if you make a claim
  • Have proof of purchase (or a gift receipt)
  • Not have been bought through a private sale, or online auction
  • Not have been repaired by an unauthorised third party

Key insight: Home insurance usually offers more flexibility around the age of your phone, the country it was purchased in, and who it was bought from.

How much does mobile phone insurance cost?

Standalone mobile phone insurance can cost between €5.19 and €14.99 a month for comprehensive cover including loss, theft, and accidental damage, based on quotes collected in August 2026. 

The phone model made no difference to the cost, with an iPhone 16 128GB and Samsung Galaxy S25 128GB costing the same across providers for identical cover.

Things to know: The excess fee you pay towards a claim can range from €60 to €125, depending on the phone and type of claim. Some standalone policies also charge an additional excess for claims made during the first 30–60 days of cover.

Insuring your phone under home contents cover

Insuring your mobile phone on your home insurance can be a way to get cheap phone insurance in Ireland with no excess. Some providers may already include smartphones under their all-risks cover, while others require you to specify it on your policy.

How much does adding phone cover cost?

The monthly cost of adding iPhone insurance to a home insurance policy ranged from just €0.27 to €5.38 among the providers we compared in August 2026. These quotes were based on adding cover for a phone valued at €1,000.

Monthly costs are calculated by dividing the additional annual premium by 12. Actual instalment payments may differ.

Home insurers offering mobile phone cover

Phone insurance is available through several major home insurance providers in Ireland, although the level of cover and conditions vary.

AXA

Aviva

FBD

Allianz Ireland

Zurich

123.ie

Worth knowing: Not all home insurers cover mobile phones, even when they are inside your home. RedClick’s policy excludes mobile phones from its standard contents and personal possessions cover.

How to claim for a mobile phone

You can easily claim for a lost, stolen or damaged phone provided the incident is covered by your policy.

Here’s what you’ll need to do when making a claim:

  • Report the loss or theft: If your phone is lost or stolen, contact the Gardaí and your mobile network provider immediately. Some insurers require a report to be made within 24 hours of the incident.

  • Gather your documents: You may need proof of purchase such as a receipt, your phone’s IMEI number, and evidence of ownership and value. Standalone policies also typically require proof of active SIM usage from your network provider to validate a claim.

  • Contact your insurer: Make your claim online or by phone and provide the details and evidence requested by your provider.

  • Pay the excess: If your claim is accepted, you’ll usually need to pay the excess stated in your policy before your claim is settled.

For more information on making a claim, see our insurance claims guide.

FAQs

Most mobile phone insurance policies provide cover while you are abroad, but the length varies by policy. Standalone insurance typically provides 60-180 days of international cover, while home contents insurance usually provides 30-90 days.

New-for-old cover means your insurer will replace your damaged, lost or stolen phone with a brand-new equivalent without subtracting value for wear and tear or depreciation. Most standalone policies do not offer this cover; instead, they replace your phone with a refurbished model of equal value to what you had at the time of the incident.

Yes, gadget insurance can cover your smartphone alongside other electronic devices such as tablets, laptops and smartwatches under one policy, depending on the provider.

Yes, you generally need to be 18 or older to take out an insurance policy for your phone. However, eligibility requirements can vary between providers, so check the policy terms before taking out cover.

Not necessarily. In our comparison, increasing the underlying home insurance premium changed the additional cost of covering an iPhone by less than €0.50.

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