Cover against loss, theft or damage to your mobile phone.
We'll try to fix your mobile phone
If your device is repairable, we come to your home or workplace in our manufacturer approved mobile laboratories and aim to fix your phone in less than an hour.
You can bring your mobile to one of over 120 manufacturer accredited stores for repair (geographic restrictions apply). Book an appointment through Membership Services and be offered a same-day appointment in most cases.
Silver account customers also have a mail-in repair option.
If we can't fix it, we'll replace it.
We will send you a manufacturer approved replacement device - if your claim is accepted by 8pm it will arrive the next day (95% of devices).
Why choose Royal Bank mobile phone insurance?
It's easy, fast, reliable.
Simple claims process
Most customers complete a claim within 10 minutes using our online portal.
Next day replacements
For lost or stolen phones when claims are completed by 8pm for close to 95% of devices.
Repairs and replacements by the people who made them
Take your device directly to a manufacturer’s approved store, or let our fully trained and accredited engineers come to you with fully accredited parts, or receive a manufacturer grade, refurbished replacement.
Key features of your cover
Damage or breakdown
Loss or theft
Excess
Worldwide cover
Mobile phone insurance terms
We do our best to ensure everyone is aware of their account terms and conditions, please take some time to review, print and/or save a copy of these.
Packaged bank accounts with phone insurance
Want to enjoy mobile phone insurance, as well as many other benefits? Upgrade your existing Royal Bank current account below. Specific account eligibility criteria apply.
We have a range of cover across our packaged bank accounts. Please see the policy terms for full details and exclusions.
Reward Silver
£10 monthly fee
Worldwide cover for the phone you use on a daily basis.
One approved claim in any 12-month period.
£50 to £100 excess, depending on service type.
European travel insurance.
Plus, all the benefits of the Reward account.
Reward Platinum
£22 monthly fee
Worldwide cover for the phone you use on a daily basis.
Two approved claims in any 12-month period.
£50 to £100 excess, depending on service type.
Worldwide travel insurance.
UK car breakdown cover.
Plus, all the benefits of the Reward Silver account too.
Premier Reward Black
£36 monthly fee
Worldwide family cover for the phones you use on a daily basis.
Four approved claims in any 12-month period.
£50 to £100 excess, depending on service type.
Worldwide travel insurance
UK & European car breakdown cover
Plus many other benefits too.
Specific Premier eligibility criteria applies.