Gadget insurance, network insurance and some home contents policies cover phones. When your screen cracks, it is natural to think of claiming. Sometimes that is right, and sometimes a direct repair is cheaper and faster.
Compare the real costs
- The excess you pay on a claim
- Whether a claim affects your premium or no-claims history
- How long you would be without the phone
- Whether the insurer repairs, replaces with refurbished stock or pays out
When a repair often makes sense
- The repair costs less than, or close to, the excess
- You need the phone back the same day
- You want to keep your own phone rather than receive a replacement
- The damage is minor, like a battery or charging port
When a claim often makes sense
- The phone is badly damaged, lost or stolen
- The repair would cost much more than the excess
- Several parts are damaged at once
Check your policy terms
Some policies have conditions about using independent repairers. Read your policy or ask your insurer before booking a repair if you might claim later. A free diagnostic gives you an exact repair price to compare against.
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