Vodafone Phone Insurance vs BiMPY
Vodafone makes it easy to add phone insurance to your monthly bill — but convenience can come at a cost. BiMPY offers flexible 30-day rolling cover with lower premiums, smaller excess fees, and theft included as standard. Here’s how they compare.
Compare side-by-side
Prices shown here are based on iPhone 17 models as of 2025.
| BiMPY Essential plan | BiMPY Full plan | Vodafone Basic Cover | Vodafone Full Cover | |
|---|---|---|---|---|
| Monthly cost | £6 | £7 | £10 | £15 |
| Policy type | 30-day rolling | 30-day rolling | Tied to contract | Tied to contract |
| Accidental damage | ✓ £50 excess, unlimited | ✓ £50 excess, unlimited | ✓ £100 excess | ✓ £100 excess |
| Theft cover | ✓ £50 excess, up to 2 per year | ✓ £50 excess, up to 2 per year | ✗ Not included | ✓ £125 excess |
| Loss cover | ✗ Not included | ✓ £75 excess, up to 2 per year | ✗ Not included | ✓ £125 excess |
| Liquid damage | ✓ Included | ✓ Included | ✗ Not included | ✗ Not included |
| Worldwide cover | ✓ Included | ✓ Included | ✗ Limited | ✗ Limited |
| Multi-phone discount | ✓ 3for2 deal | ✓ 3for2 deal | ✗ Not available | ✗ Not available |
Where they differ
- Price — BiMPY starts at £6/month. Vodafone ranges from £10–£15 with higher excesses.
- Flexibility — BiMPY policies are rolling 30-day and cancel-anytime. Vodafone cover ends if you cancel your airtime plan.
- Excess fees — £50 for theft or damage, £75 for loss. £100–£125 depending on claim type.
- Claim limits — Unlimited accidental damage (theft/loss 2 per year). Vodafone limits you to 3 claims per year.
Example: iPhone 17
- BiMPY Essential (£6/month) → Theft included, unlimited accidental damage.
- BiMPY Full (£7/month) → Adds loss cover (2 per year).
- Vodafone Basic (£10/month) → Damage only. No theft or loss cover.
- Vodafone Full (£15/month) → Adds theft and loss, but higher cost and excess.
Which one makes sense for you?
Choose Vodafone Insurance if you prefer everything managed through your mobile bill, don’t mind the higher cost or claim limits, and you’re okay with no theft cover on Basic Cover.
Choose BiMPY if you want cheaper monthly cover, theft included as standard, and the freedom to cancel anytime.
Get started
BiMPY cover starts from £6 a month (iPhone 17 shown here at £6 Essential / £7 Full).
Get a quote
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.