Obtaining mobile insurance is an extremely easy process and can be done online in a few easy steps. Most companies follow a similar procedure for online insurance. Your mobile should be less than six months old and you should have valid proof of purchase that it was bought in the UK. For phones that are 2 months or older at the time of purchasing mobile insurance, you cannot make claims until 28 days have passed since buying the policy.

You will need to keep some information like card details, your IMEI (International Mobile Equipment Identity) or serial number which you will find on your handset, under the battery (or often by typing *#06#) and your bank account number and bank sort code.

After filling out the online application, you’ll often be required to opt for either instant cover or delayed cover. With instant cover, you pay the first three months premium online using your credit card and your protection cover starts at that instant. With delayed cover using direct debit, your bank account will be debited on a certain day of each month and your cover starts only after the direct debit has been set up which could take up to 3 weeks or more. You will receive all relevant documents by post later. Most companies offer similar services for mobile insurance, but when you pay a higher monthly premium you are doing it so that you can make a higher claim according to the price of your handset. This is beneficial for those who have expensive handsets. Most companies process and settle claims within a 48-hour period.