Three Insurance vs BiMPY Phone Insurance
Three offers two levels of phone insurance that can be added when you buy or upgrade your phone. BiMPY is our rolling phone insurance that covers theft, loss and damage — without being tied to your contract.
Here’s a clear side-by-side look at what you get with each, so you can decide what makes sense for you.
Compare side-by-side
BiMPY policies start from £4 a month. Prices shown here are based on iPhone 16 (from £5).
| BiMPY Essential plan | BiMPY Full plan | Three Basic Cover | Three Full Cover | |
|---|---|---|---|---|
| Monthly cost | £5 | £6 | £10 | £14 |
| Policy type | 30-day rolling | 30-day rolling | Linked to contract | Linked to contract |
| Accidental damage | ✓ Unlimited claims (£50 excess) | ✓ Unlimited claims (£50 excess) | ✓ £89 excess | ✓ £149 excess |
| Theft cover | ✓ Up to 2 per year (£50 excess) | ✓ Up to 2 per year (£50 excess) | ✗ Not included | ✓ £149 excess (max 2 p/a) |
| Loss cover | ✗ Not included | ✓ Up to 2 per year (£75 excess) | ✗ Not included | ✓ £149 excess (max 2 p/a) |
| Liquid damage | ✓ Included | ✓ Included | ✗ Not included | ✗ Not included |
| Mechanical breakdown | ✓ Included | ✓ Included | ✗ Not included | ✗ Not included |
| Worldwide cover | ✓ Included | ✓ Included | ✓ Included | ✓ Included |
| Unauthorised use cover | ✓ Up to £1,000 | ✓ Up to £1,000 | ✗ Not included | ✗ Not included |
| Claim limits per year | Unlimited accidental damage; theft max 2 p/a | Unlimited accidental damage; theft/loss max 2 p/a | Unlimited screen; theft/loss max 2 p/a | Unlimited screen; theft/loss max 2 p/a |
| 3-for-2 multi-phone discount | ✓ | ✓ | ✗ | ✗ |
*Based on pricing available for iPhone 16 as of October 2025.
Where they differ
- Flexibility — BiMPY gives you rolling 30-day cover you can cancel anytime. Three’s cover is tied to your phone contract.
- Excess costs — BiMPY’s excess starts at £50. Three charges up to £149 per claim.
- Loss and theft — Included with BiMPY Full Cover. Only included on Three’s higher-tier plan.
- Unauthorised use — BiMPY includes up to £1,000 cover. Three does not include this at all.
Example: iPhone 16
- BiMPY Essential (£5/month) → Theft and damage cover, unlimited claims, £50 excess.
- BiMPY Full (£6/month) → Theft, loss, damage and unauthorised use cover.
- Three Basic (£10/month) → Damage only, £89 excess.
- Three Full (£14/month) → Adds theft and loss, £149 excess.
Which one makes sense for you?
Choose Three’s insurance if you prefer having everything managed through your network and don’t mind paying more for higher excess fees.
Choose BiMPY if you want flexible, contract-free insurance with theft included as standard — and lower excess when you claim.
See how BiMPY compares
We think the benefits speak for themselves: From £4/month. Rolling 30-day cover. Theft included as standard. Loss available on Full Cover. 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.