Buying tips
InformationalRefurbished Phone Insurance in the UK: Is It Worth Getting?
Insurance protects against accidents, but is it actually worth paying for on a refurbished phone? The honest take.
Insurance protects against accidents, but is it really worth it for a refurbished phone? Here's a balanced look at when phone insurance pays off.
What does phone insurance cover?
Typical cover includes accidental damage, theft, loss and unauthorised use. Some policies also include water damage.
What's already covered by warranty
Manufacturing defects, hardware faults and battery degradation are covered by your warranty.
The cost of phone insurance
UK phone insurance costs £5-£15 per month depending on phone value and excess. Over a year, that's £60-£180.
When insurance makes sense
Insurance is worth it for expensive flagships like the iPhone 16 Pro Max or Galaxy S25 Ultra.
When it's not worth it
For phones under £200, the cost of insurance often exceeds the value of any potential claim.
Alternatives to insurance
A quality case, screen protector and careful use prevent most damage. A small savings buffer can also cover unexpected issues.
Frequently asked questions
Does home contents insurance cover phones?
Some home insurance policies cover phones — check your policy before buying separate cover.
Does the warranty cover accidental damage?
No — warranty covers faults and defects only. Accidental damage requires separate insurance.
Eleanor Wright
Senior Editor, Mobile
Part of the Second Hand Phones editorial team — writing honest, useful guides for UK shoppers buying second-hand smartphones.
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