Insure your phone against damage, theft and loss

Vodafone Insurance – from just £2.99 a month

Phone slipped out of your pocket? Dropped it on your way out the door? Whatever life throws at you, don’t get stuck without your phone. Get flexible cover from just £2.99 with Vodafone Insurance – choose a policy that suits your needs.

Want to know more before you buy?

What you'll get with our phone insurance policies

Losing your phone can feel like the end of the world. Vodafone insurance protects your phone from those everyday mishaps that could leave you without a phone.

  Choose your policy type
  Loss, theft and
accidental damage
Theft and
accidental damage
Accidental loss Tick Cross symbol Cross symbol
Theft Tick Tick Cross symbol
Accidental damage Tick Tick Tick
£200 accessory cover Tick Tick Cross symbol
30 days worldwide cover Tick Tick Tick
Covers any user Tick Tick Tick
Excess Band 1 = £15
Band 2 = £25
Band 3 = £50
Band 4 = £50
£25 £25
Minimum term 3 months 3 months 3 months
  Terms and conditions Terms and conditions Terms and conditions

How much does it cost?

How much you pay for insurance depends on which phone you have, just like car insurance. We put different phones into certain bands - take a look to see what's covered and how much it'll cost.

  Phone band
Policy type Band 1 Band 2 Band 3 Band 4
Theft, accidental loss and
accidental damage
£4.99 £6.99 £9.99 £12.99
Theft and
accidental damage
£2.99 £3.99 £6.99 £7.99
N/A N/A £4.99 £4.99
Minimum term 3 months 3 months 3 months 3 months

Making a claim

If your phone’s accidentally lost or stolen, tell us straight away – we'll stop others using it to make calls. If you discover it's been stolen or maliciously damaged, report it to the police and get a crime number within 72 hours – either in the UK or abroad.

Need to claim?

If your phone is accidentally lost, stolen or maliciously damaged, you need to make your claim by phone within 72 hours of making the discovery.

If your phone is accidentally damaged, you need to make your claim by phone within 14 days of making the discovery.

In the UK, call 0333 304 3346

When abroad, call +44 7836 191 191

Other things you should know

Vodafone Insurance is an insurance policy provided by ACE European Group Ltd (ACE) that automatically renews each month up to a maximum term of five years. Your premium is paid monthly and a three-month minimum initial duration applies. ACE European Group Limited (including the trading name Combined Insurance) are authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority reference number 202803. Full details can be found at the FSA website or by contacting the FCA on 0800 111 6768.

If you change your mind
You have 14 days from taking out Vodafone Insurance to cancel your policy without charge, as long as you haven’t made a claim. The period of insurance is one calendar month with a minimum initial duration of three months.

The policy will automatically renew monthly for up to a total of 59 months, unless you give us 30 days’ notice of your intention to cancel. Any premium will not be refunded for the period the policy was valid prior to such a cancellation (see ‘cancelling your policy’ section in the terms and conditions).

Changing your mobile device
If you upgrade or change your mobile device, you’ll need to call 191 free from a Vodafone mobile or 03333 040 191 from any other phone so that we can add your new device to your policy. This is really important as only the device registered with us will be covered under your insurance policy.

Our complaints procedure
ACE is dedicated to providing a high level of service at all times. If you feel that ACE hasn't offered you the best service possible or you want to make an enquiry about this insurance, please call the insurance administrator, Lifestyle Services Group Limited, on 0333 304 3346. Alternatively, you can write to them at: Vodafone Insurance, Lifestyle Services Group Limited, PO Box 98, Blyth, NE24 9DL.

The administrator will try to resolve your concerns within 24 hours. If this isn't possible they'll acknowledge your complaint within five working days of receipt and respond within eight weeks. If you're still not satisfied, you can approach the Financial Ombudsman Service (FOS). You'll need to contact the FOS within six months of the final response from the Administrator. The FOS contact details are: South Quay, 183 Marsh Wall, London, E14 9SR. You can also call them on 0300 123 9123 or email

Compensation schemes
ACE is a member of the Financial Services Compensation Scheme (FSCS). You may be entitled to compensation from the scheme in the unlikely event that ACE cannot meet its obligations. The FSCS will meet 90% of the entire claim without any upper limit. Further details can be obtained from You can also write to them at: Financial Services Compensation Scheme, 7th Floor Lloyd's Chambers, Portsoken Street, London, E1 8BN, or call 0207 892 7300.

Need a new phone?


Check out our latest smartphones – then pick a Pay monthly bundle to match. You can add Vodafone Insurance at the checkout.

Recently got a phone from us?


Just pop it into your local Vodafone store. We'll check it over – and get you insured from just £2.99 a month.

Ways to save

Man walking with phone

Save money whether you’re with us already or thinking of joining.

Got a tablet?

You can get that insured, too. Just £10 a month.

Other useful stuff

Want to know more before you get insured?