Existing customers benefits.

Mobile phone insurance for Silver and Platinum account holders

What's included

Our mobile phone policy covers loss, theft, accidental damage and breakdown (once your warranty has expired). Policy underwritten by American International Group UK Limited. 

 

You're automatically covered but we recommend that you register your mobile phone to make the claims process quicker

Worldwide cover for your mobile phone against loss, theft, accidental damage or breakdown (after the manufacturer's warranty has expired). Please note if you're outside the UK we won't repair or replace your phone until you return

For Silver account - 1 approved claim during any 12 month period.  If this is a joint account, each account holder can make 1 approved claim, with a maximum of 2 per account

For Platinum account - 2 approved claims during any 12 month period.  If this is a joint account, each account holder can make 2 approved claims, with a maximum of 4 per account

Standard accessories that are lost, stolen or damaged at the same time as your phone, are covered up to £250

Things to remember

There is a £100 excess for each approved claim when your phone is replaced.

There is a £50 excess for each approved claim when your phone is repaired if you take your phone to our repair agent or our repair agent comes to your location to repair your phone.

For Silver account - there is a £100 excess when you mail your phone to us to be repaired.

Devices with a screen size more than 7 inches are not covered

Covers the phone you use on a daily basis. If your account is in joint names, cover is also provided for the phone the other account holder uses on a daily basis.  There is no cover for phones owned by your employer.

For Silver account - Claims are settled by repairing your phone, where possible.  If we are unable to repair your phone, or it has been lost or stolen, we will replace the phone. 

For Platinum account - Claims are settled by replacing or, in certain circumstances, repairing your phone.

Our replacement phones are refurbished handsets in 'as new' condition using genuine manufacturer parts. 

Our repairs use genuine manufacturer or manufacturer quality parts.

Claims should be reported as soon as possible when theft, loss, damage or breakdown is discovered.

If your phone has been lost or stolen, you must report it your network provider as soon as is reasonably practicable after the event.

If your phone has been stolen, you must report it to the police and request a crime reference number.

We won't pay any claim where you do not provide the IMEI number or the IMEI number you provide is currently recorded as lost or stolen.

Find out how to get more from your bank account

We have your questions covered along with other tailored information to help you get the most of your bank account.

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