Phone insurance is a cost effective way to insure your mobile phone. It is only when something goes wrong, such as damage, loss or theft, that we truly understand their value. This affects not only finances but can also cause major inconvenience.
By buying phone insurance you can help cover the cost if your phone is broken, lost, or stolen. And you also have a team of experts to help you sort the issue out quickly and easily.
You can only insure mobile phones with a Swipe policy.
To buy a policy you must be:
A Permanent Resident of the United Kingdom.
The owner of the phone(s) or an immediate family member of the phone' owner.
Over the age of 18.
The IMEI (International Mobile Equipment Identification) number of your mobile phone or smart phone handset is a unique identification code that is specific to your handset alone. It can be obtained by dialling *#06# or by checking under the battery of your handset.
Most modern phones have inbuilt security systems, such as Apple's ‘Find My’ or Google's ‘Find My Device’. These security features are designed to help you locate your lost phone and put off potential thieves by making these phones less attractive to steal.
Where these security features are inbuilt in to your phone, it is a policy requirement that these are active. This is required during your period of insurance and throughout any claims process.
Each phone must be less than 4 months old from the date it was purchased as new (this is the date on the original purchase receipt).
Once you cover a phone with us however you can continue to insure that phone by renewing your policy each year.
As we cannot and do not offer advice on which insurance product best meets your individual demands and needs, we instead provide product information and offer variable levels of cover so you can choose the product that best suits your individual requirements.
Below is a summary of the different risks we are able to cover (subject to the policy level you select terms and conditions apply):
Accidental Damage - We will repair or replace your phone if it is damaged as the result of accidental damage, providing the phone is returned to us.
Liquid Damage - We will repair or replace your phone if it is damaged as the result of accidental liquid damage, for example accidentally spilling a drink on to your phone or dropping your phone in the sink, a puddle or down the toilet, providing the phone is returned to us.
Mechanical Breakdown - We will repair or replace your phone if it suffers mechanical or electrical breakdown outside of the manufacturer’s warranty, providing the phone is returned to us. Please note that this cover only applies if the breakdown occurs outside the manufacturer’s guarantee period.
Cracked Screen - We will repair or replace your phone if one or more of the screens suffers accidental damage causing them to crack, providing the phone is returned to us.
Malicious Damage - If your phone is damaged through the intentional or deliberate actions of another party we will repair it. Where only part or parts of your phone have been damaged, we will only replace that part or parts.
Accessories - In the event of a claim being agreed by us in respect of your phone, we will replace any accessories that you purchased at the same time as your phone should they become damaged, stolen or lost (if this is covered by your chosen policy) at the same time as your phone, up to the maximum specified.
Worldwide Cover - Cover is extended to include use of the phone anywhere in the world, for unlimited trips up to a maximum of 45 days per trip.
Unauthorised Usage - If your phone is lost or stolen, and the loss or theft is covered by your policy, we will refund the cost of unauthorised calls, messages and downloads made from it after the time it was lost or stolen up to a maximum of £2500 (including VAT) (Premium and Ultimate policies only).
E-Wallet Protection - If your phone is lost or stolen, and the loss or theft is covered by your policy, we will refund the cost of unauthorised transactions made from your Credit/Debit card via your phone, after it was lost or stolen, using an e-Wallet facility (providing an e-Wallet PIN has been set for all transactions), up to a maximum of £500 (including VAT), (Gold and Platinum policies only).
Theft - If you suffer theft of your phone we will replace it (in respect of a valid theft claim), (Gold and Platinum policies only).
Loss - If you accidentally lose your phone we will replace it (as long as the claim is valid). Loss is only covered by Swipe’s Gold and Platinum policies.
All of the above are subject to the policy terms and conditions, exclusions apply.
The main policyholder must be older than 18 years of age and a permanent resident in the UK.
The policy extends cover to immediate family, including your spouse, partner or parents or your children, brothers or sisters who are permanent UK residents and reside in the same household with you.
Your policy documents are instantly available for you to download once your policy has been purchased.
A link to download your policy documents will also be sent to you via the email address you provide us. If you do not receive your documents please check your SPAM/junk folder.
You can also login via the website and download your documents at anytime. If you are having trouble accessing your documents, please email us at gadget.sales@swipeinsurance.co.uk and we will assist you.
Regrettably this is not possible. Our policies and the pages of this website are intended for use by permanent UK residents only. This is to allow us to comply with appropriate UK legislation and regulation.
Protecting your Phone(s) is quick and easy. Insurance can be purchased online with immediate cover, simply get a quote and buy online today.
You can choose to pay either by annual payment which will include a discount, or by monthly rolling payments.
Direct Debit payments will be collected by Taurus Insurance. The name Taurus Insurance will appear on your bank statement when the payment is taken.
If you are paying with a credit or debit card all payments will be collected by Taurus Insurance Services Ltd (trading as Swipe Insurance). The name Taurus Insurance Services Ltd may appear on your credit or debit card statement.
If you buy insurance on taurus-app-gadget-swipe-prod.azurewebsites.net and choose Direct Debit, you need to fill out a Direct Debit form online. You can also print out a Direct Debit Mandate and send it to us. The Direct Debit instruction to your bank authorises Taurus Insurance Services Ltd to take these payments. All Direct Debits are backed by the Direct Debit Guarantee.
To set up a Direct Debit we will ask you to complete the Direct Debit Instruction during the sales process. You will need to provide your bank/building society account number and branch sort code. It is important to ensure that all the details are correct before submitting.
Taurus will then forward the instruction on to your bank/building society. This then gives us authority to collect varying agreed amounts from your account on dates agreed with you.
We will give you notice of the collection dates and amounts, including on the purchase confirmation page. Please check that these details are correct. Should you wish to query any of the details you can contact us at anytime.
There is nothing further you need to do apart from ensure you have sufficient funds in your account. If your collection does fail we will automatically retry the collection a few days later.
Unfortunately you are unable to change the date of the Direct Debit collection from your bank account. The date is set and agreed with your bank, we then confirm the set-up of your Direct Debit and future payment schedule. This information is provided on the purchase confirmation page.
If you have a business account, or your account requires two signatories, you must download our manual mandate. Print and complete this form, ensuring you clearly add your quote reference number. You can download this form by clicking the following link - Direct Debit Mandate.
Please return the completed form to – Taurus Insurance, Suite 2209-2217, Eurotowers, Europort Road, Gibraltar.
If you don't add the quote reference, or if we don't receive the form within 14 days, the quote will be invalid. This will hold up covering your phones. Your phones will not be insured until your mandate is received and we have confirmed that your policy has been set up. If you need immediate cover you may choose to pay by using another bank account or credit or debit card.
We advise that you send your mandate by email or recorded delivery to make sure we receive it. If you chose to send your mandate by standard mail your cover may be delayed.
If you make a claim you are liable to bear some of the cost of repairing or replacing your phone and the insurer bears the rest. All insurers do this to ensure that the policyholder carries some financial risk and is therefore encouraged to take reasonable care of their device. Swipe has worked with our Insurer to keep excesses low.
| Incident Date After Policy Inception | Standard Excess |
|---|---|
| 30 Days or less | £100 |
| Over 30 days up to 60 days | £90 |
| Over 60 days up to 90 days | £80 |
| Over 90 days up to 120 days | £70 |
| Over 120 days up to 150 days | £60 |
| Over 150 Days | £50 |
Monthly policies: If you chose a Monthly Policy, cover will continue until you cancel your policy with us. Your policy will also end if we do not receive your premium payments. Upon cancellation, cover will terminate at the end of the month for which you have paid your premium.
Annual policies: If you have an Annual Policy your insurance will be active for 12 months from the date of purchase or renewal. Upon cancellation, cover will terminate immediately. Providing you have not made a claim you will receive a pro rata refund of the premium.
The above do not affect your 14-day statutory right to cancel.
To ensure the policy offers fair value, we will renew your cover for a maximum of seven years. If your policy is still active after 7 years, we will write to you to confirm that cover will cease after 30 days.
Yes, we will auto renew your annual policy. You will be contacted at least 21 days before the renewal date of your policy. This notice will tell you about any changes to the premium or the policy terms and conditions.
If you do not want to renew your policy, you can contact us using the contact details in the notice. If you do nothing then the renewal premium will be taken using the payment details that we hold for you.
If your payment details have changed you will need to update them before the renewal date. Please contact us to do this.
You can login via the Swipe website My Account page. You can also contact us and we will send you a duplicate copy of your documents by email.
You can make a claim online 24/7 via our online claims portal.
You must register your claim as soon as possible from discovery of the incident. If the incident occurs outside of the United Kingdom, please do this as soon as possible on your return.
Please read and follow our claim procedure to ensure your claim is processed with the minimum delay. Failure to observe these procedures may invalidate your claim.
Report the theft, loss, or malicious damage of your phone to the police local to where the incident happened. This report will ideally be within 24 hours of discovery. You are required to get a crime reference number and a copy of the police report.
You must contact your Network Provider so they can blacklist the phone. This report will ideally be within 24 hours of discovery.
You should contact the police station local to where the incident happened. If the incident happens in another country please report the issue to the police station local to where the incident occured. This should ideally be within 24 hours of discovery.
Yes, you need to report the theft or loss of your phone to your Network Provider. This is so they can blacklist the phone, which will ideally be done within 24 hours of discovery.
That's fine, you can make a claim online via our online claims portal which is available 24/7.
For details on how to make a claim please visit our make a claim page. which includes details of our call center opening hours should you require any further assistance.
In the event of a claim you will need to provide the original purchase receipt for the phone. This must be an original document from a registered business. For fraud prevention reasons we are unable to accept handwritten receipts.
Once you have purchased your policy you can upload your receipts to your account. This will allow quick and easy access should you need to claim.
If your phone was provided to you as part of a contract, your contract will act as your proof of ownership.
In the event of claim a copy of your contract can be provided as proof of purchase.
You should contact us so that we can update your policy. Please see the contact us page for details.
An auction site does not sell anything. They are a platform used to introduce buyers and sellers. As they are not the seller of the phone(s) a receipt provided by the site is not sufficient proof of purchase.
We can provide cover for phones bought from an online auction site, e.g. eBay, as long as you are able to satisfy either:
If purchased from an individual Provide the original receipt they received when they purchased the phone as new. You will also need to provide a signed letter transferring the ownership of the phone to you.
If purchased from a business We would require a receipt for your phone sent directly from the company. It must show your IMEI/Serial number and full company information, including registration details.
Due to the GDPR and the Data Protection Act 2018, you cannot claim if the policy is not in your name.
To check the status of your insurance claim, please visit our 24/7 online claims portal. Select the 'Let's go' button next to 'Check Status of a claim'.
Within the first 14-days you can cancel your policy at any time without reason. You will receive a full refund, provided no claim has been made and you don’t intend to make a claim.
After the Cooling Off Period you can cancel cover at any time by contacting us.
If you pay your premiums monthly, your policy will be cancelled on the date your next monthly payment is due. There will be no refund of premium due.
If you paid for your insurance in full and haven’t made a claim, you’ll receive a refund in relation to the time that is left on your policy. Cover will end from the date we receive your request to cancel your policy, or from a later date at your request. If a claim has been made we will cancel your policy but no refund will be given.
You can email gadget.sales@swipeinsurance.co.uk
Or write to:
Taurus Insurance Services LtdWe take the security of your data seriously. Your policy will only be considered cancelled once Taurus has verified your identity. Confirmation of cancellation will then be made to you either verbally or in writing.
If you have general query please contact us. If you wish to make a complaint please visit our complaints page for full details on the process.