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 Aviva Insurance Limited.


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

Worldwide cover for your mobile phone against loss, theft, damage or breakdown.  Please note if you’re outside of the UK we won’t replace your device until you return

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

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

Unauthorised calls following loss or theft for up to £2,500 (inc VAT) for monthly contracts and £100 (inc VAT) for pay as you go customers

Accessories covered up to £250

Things to remember

There is a £100 excess for each successful claim.

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 your phone.
Our replacement phones are refurbished handsets in ‘as new’ condition using genuine manufacturer 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 contact your network provider within 24 hours (48 hours if you’re outside the UK)

If your phone is stolen, you should inform the police and get a crime reference number as soon as reasonably possible

Explore other account benefits

Worldwide travel insurance

From business trips to Brussels to family holidays in Hawaii, you've covered worldwide with Platinum.

European travel insurance

European travel insurance is included in your Silver package. That includes skiing and snowboarding trips too.

No Foreign Purchase fee

For Silver and Platinum account holders, use your debit card for purchases anywhere in the world without the worry of incurring extra charges or carrying around lots of cash.

Travel service

Through our Travel Service, Platinum account holders can browse and book cheaper holidays, get discounted lounge access and more.

Travel Money

Get more to spend on your holidays thanks to preferential rates for Platinum and Silver customers.

UK car breakdown cover

Breaking down in the car is absolutely no fun at all. If you're a Platinum account holders, we'll come and rescue you.


Get 2 for 1 or 50% off at thousands of restaurants around the country. Available to Silver, Platinum, Student and Graduate account holders.

Cinema discount

Buy online through Membership Services and take advantage of up to 40% off the price of cinema tickets.

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.

Something else we can help you with?