Contents only insurance which covers mobile phones??

STP_2

Does anyone have any experience of a contents only insurance policy which covers mobile phones completely. We are looking for a policy which will cover two iPhones for loss, damage (accidental and otherwise), breakdown, theft. We are moving house wanted to stick with Endsleigh (they will give us £145 credit against a new policy or a £60 refund) but their mobile phone cover is £60 per phone and that seems expensive.

In case background is helpful, we have just bought a 2 bed flat in London which is leasehold (so buildings insurance paid for as part of service charge) and the policies I have found on comparison sites are coming it at around £80-90 p/a.

Any help welcomed

Thank you!!

dogbot

Home insurance will not cover breakdown - that is an extended warrantee product you need for that so try Apple care or similar.

Home insurance will cover you for the stated perils (fire, theft, flood, escape of water, etc etc) or full accidental damage if you purchase that level of cover.

As a phone is a “personal possession” you will need adequate level of personal possessions cover to insure them. You should really have this anyway to cover you for when you go away, when you are out and about etc - particularly in London.

Accidental damage claims on iPhones and to a lesser degree other smart phones, are now starting to bite the industry as they experience sudden spikes in claims about the time new iPhone is announced/the old one's production is stopped! Some might have started limiting cover for phones but I haven't seen anything much of this yet. Worst case it will be like a laptop - you will just have to list the item as a personal possession.