Cracked screen or lost phone?
Is My Phone Covered by UK Home Insurance?
Phones are covered at home, but cracked screens and out-of-home loss need personal possessions cover. Check in 60 seconds.
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The short answer
Phones are covered under contents at home for theft and fire, but accidental damage and loss outside the home need the personal possessions add-on (£25–£60/year). Single-item limits apply — typically £1,500.
Frequently asked
- Should I use home insurance or buy phone insurance?
- Home insurance is usually cheaper but applies your excess (£100+) and affects renewal pricing. Dedicated phone insurance is better for repeated screen claims.
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Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.
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