Mobile phone insurance: What’s covered if you lose or break your smartphone

Losing or breaking a mobile phone is definitely something we all want to avoid. Having cover on your smartphone could help you avoid a costly and inconvenient experience.

What’s covered with mobile phone insurance?

Not all policies cover the same things. But with Suncorp Insurance, if you have insurance cover for your mobile phone and meet the claim criteria, you may be able to claim if your phone is:

• lost or stolen
• damaged and can be repaired, or
• beyond repair and needs replacing.

How to cover your mobile phone with Suncorp Insurance

With Suncorp Insurance, a mobile phone can be insured as part of your Home and Contents Insurance or Contents Only Insurance policy. If you only want cover for loss or damage caused by insured events at home, your mobile phone is automatically covered up to your general contents sum insured (which is the most we’ll pay for loss or damage to all of your contents, including specified contents, caused by any one incident). If you want cover for accidental loss or damage at and away from home, you can add the optional cover ‘Personal valuables’ for an additional premium – which includes some of the valuables you’re likely to take with you when you leave the house, such as:

• mobile phones, laptops, and tablets
• jewellery and watches, and
• handbags and wallets.

If you have Personal valuables cover, the items will be insured for loss or damage anywhere in Australia and New Zealand.

Jewellery and watches are even covered for up to 30 days anywhere in the world – but only while being worn by you or while in a secure safe.

Limits and exclusions apply – so read the PDS for the full details.

Get a Contents Only Insurance Quote

Should I insure my mobile phone as a specified or unspecified personal valuable?

It depends on the value of your items. Unspecified personal valuables cover has an item limit of up to $1,000 per item, pair, set or collection. So if your smartphone is worth $1,800 and you make a claim, the most you can be paid is $1,000 – less any excess.

If you choose to specify the item – by providing specific details of the make, model, and value – you can insure it for up to the full amount. This means that the $1,800 smartphone would be covered for up to the full amount – less any excess.

What happens if I need to claim for my lost or damaged mobile phone?

It’s easy to make a claim for your mobile phone through the Suncorp Insurance App or online:

1. Have your policy number and details of the event ready. It will also help us settle your claim as quickly as possible if you can provide evidence of ownership or a repair quote for your mobile phone.
   
2. Lodge and track your claim at any time, 24/7. Then one of our claims specialists will review your proof of ownership, repair quote and any other documents you provide.
   
3. If your claim is accepted, we’ll follow up with you to arrange the appropriate fulfillment of your claim, such as replacement or settlement and ensure you’re happy with the outcome.

We make it as easy as possible to help you when it comes to claim time. Not a Suncorp Insurance customer yet? Learn more about our Home & Contents Insurance options below.

Explore Suncorp Home Insurance

Read more:

• How to insure your engagement ring
• 5 common incidents where Personal Valuables insurance can help
  
• Can I make a claim without receipts?
  

Insurance issued by AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance. Read the Product Disclosure Statement before buying this insurance. The Target Market Determination is also available.

This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.

This information applies to new policies or renewal policies starting on or after 24 May 2025.