EE Insurance vs BiMPY Phone Insurance
EE offers two insurance plans for contract customers. BiMPY is our rolling phone insurance — flexible, theft-inclusive, and open to everyone.
Here’s how they compare side by side.
Compare side-by-side
BiMPY policies start from £4 a month. Prices shown here are based on Samsung Galaxy S25 (from £5).
| BiMPY Essential plan | BiMPY Full plan | EE Basic Cover | EE Full Cover | |
|---|---|---|---|---|
| Monthly cost | £4 | £5 | £10.08 | £14 |
| Policy type | 30-day rolling | 30-day rolling | Only when you take out or renew EE contract | Only when you take out or renew EE contract |
| Accidental damage | ✓ Unlimited claims (£50 excess) | ✓ Unlimited claims (£50 excess) | ✓ Included (£100 excess) | ✓ Included (£100 excess) |
| Theft cover | ✓ Up to 2 per year (£50 excess) | ✓ Up to 2 per year (£50 excess) | ✗ Not included | ✓ Included (£100 excess) |
| Loss cover | ✗ Not included | ✓ Up to 2 per year (£75 excess) | ✗ Not included | ✓ Included (£100 excess) |
| Worldwide cover | ✓ Included | ✓ Included | ✓ Included | ✓ Included |
Where they differ
- Flexibility — BiMPY runs month-to-month — no contract needed. EE insurance can only be added when you start or renew a plan.
- Price & excess — BiMPY starts at £4 with £50 excess. EE starts at £10.08 with £100 excess.
- Theft & loss — BiMPY includes theft on both plans and loss on Full. EE’s Basic plan doesn’t include theft; loss only on Full.
- Multi-phone discount — BiMPY offers 3-for-2 on multiple phones. EE doesn’t offer multi-phone discounts.
Example: Samsung Galaxy S25
- BiMPY Essential (£4/month) → Theft + damage, unlimited claims.
- EE Basic (£10.08/month) → Damage only, no theft or loss.
- BiMPY Full (£5/month) → Theft + loss + damage, rolling cover.
- EE Full (£14/month) → Theft + loss + damage, £100 excess.
Which one makes sense for you?
Choose EE if you only want insurance bundled with your contract and don’t mind higher costs or fixed terms.
Choose BiMPY if you want rolling cover you can start or stop anytime, with theft included and lower excess fees.
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.