Compare Phone Insurance Providers
It feels convenient: one provider, one payment. But that simplicity can come at a cost — higher monthly prices, less flexibility, and cover that isn’t always as complete as it looks.
At BiMPY, we take a different approach. Our phone insurance is designed to be straightforward, flexible and fair — no contracts, no hidden catches, just rolling 30-day cover that fits around you.
The problem with network and manufacturer insurance
- Higher cost — Monthly premiums are usually higher than specialist insurers.
- Limited cover — Theft and loss aren’t always included as standard.
- Contract tie-ins — You’re often locked in for the same length as your mobile plan.
- Claim limits — Some restrict how many claims you can make per year or charge high excess fees.
That’s why more people are switching to independent cover from BiMPY — simple, flexible, and built for real-world use.
BiMPY vs other providers
| Feature | BiMPY Essential | O2 (BASIC) | EE (BASIC) | Vodafone (BASIC) | Three (BASIC) |
|---|---|---|---|---|---|
| Rolling 30-day cover | ✓ | ✗ | ✗ | ✗ | ✗ |
| Theft cover included | ✓ (max 2 claims p/a) | ✗ | ✗ | ✗ | ✗ |
| Worldwide cover | ✓ | Limited | Limited | Limited | Limited |
| Claim limits per year | Unlimited accidental damage; theft up to 2 p/a | Yes | Yes | Yes | Yes |
| 3-for-2 multi-phone discount | ✓ | ✗ | ✗ | ✗ | ✗ |
| From £/month (Galaxy S25)* | from £4 | from £12 | from £14 | from £12 | from £12 |
*Based on typical network pricing publicly available (October 2025).
Do you even need phone insurance?
Let’s be honest — dropping your phone or having it stolen isn’t rare. Thousands of people deal with smashed screens, water damage or theft every day. Insurance just means you’re not left with a £1,000+ replacement bill if the worst happens.
The real question isn’t “Do I need insurance?” — it’s “Am I paying too much for it?”
What affects the cost?
- The phone’s value — newer models usually cost more to cover.
- The level of cover — theft, loss and worldwide protection affect pricing.
- The excess — some networks charge extra or tiered fees when you claim.
With BiMPY, you always know what you’re paying for. No hidden fees. No small print. Just simple, affordable cover that works for you.
Next steps
See how BiMPY stacks up against other leading providers:
AppleCare+ vs BiMPY Phone Insurance
EE Insurance vs BiMPY Phone Insurance
O2 Insurance vs BiMPY Phone Insurance
Samsung Care+ vs BiMPY Phone Insurance
Three Insurance vs BiMPY Phone Insurance
Vodafone Insurance vs BiMPY Phone Insurance
See how BiMPY compares
We think the benefits speak for themselves: From £4/month. Rolling 30-day cover. Theft included as standard. Unlimited accidental damage claims. 3-for-2 multi-phone deals.
Note: Information and pricing correct October 2025. All brand names, products and services are trademarks of their respective owners. BiMPY is an independent provider and is not affiliated with or endorsed by any manufacturer or network mentioned. Figures shown for comparison purposes only.