EE insurance: how to add it, prices and how to claim on it

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Last update: May 29, 2023
Fernando Carrillo
172 people have read this post in the last 12 months

With EE insurance, you may rest easy knowing that if your device is broken, stolen, or lost, you could be able to acquire a refurbished replacement the next day. This article discuss every important detail you need to know about the EE insurance including insurance cover, cost, how to make a claim and lots more. Let’s dive in.

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EE insurance for phones and gadgets

For a monthly premium charged based on the price of your device, EE can offer you a full cover or damage cover, whichever works best for you.

With Full Cover, you can rest knowing that if your device is broken, stolen, or lost, you could acquire a refurbished replacement the following day. And if the full cover doesn’t work for you. Damage Cover provides insurance against both breakdown and unintentional damage.

This is great news for iPhone owners because included Applecare services means they’ll get premium care and support from Apple and also EE. What’s not to like about this offer?


What does EE insurance cover?

The tables below contain information on what the two different types of EE insurance ( Full cover and Damage cover) for mobile phones, tablets and gadgets cover.

Mobiles, Watches and Tablets

Please note that this is a sample for one of EE’s lower priced devices. Your monthly premium may cost more or less based on the price of your device.

S/N Features Full cover Starts at £4.8 monthly Damage coverStarts at £2.4 monthly
Replacement, with SIM, the following day Yes No
Global Coverage Yes Yes
Cover for Loss Yes No
Cover for theft Yes No
Accidental Damage Insurance Yes Yes
coverage for diagnosed problems for the first two years Yes Yes
Claim limits Damage - unlimitedLoss and/or theft - – Not more than 2 acceptedclaims in a rolling 12 month period Unlimited
Multi-policy discount Yes Yes
Cover for the in-box charging accessories that the manufacturer supplies Yes Yes
Free Minute One Accessories Bundle valued at £24.99 No Yes
Free Minute One Premium Accessories Bundle valued at £39.99 (or FREE Minute One Accessories Bundle valued at £24.99 when a Premium Bundle is not available) Yes No

For iPhone

AppleCare Services are a part of the EE insurance coverage if you own an iPhone. This guarantees that you'll receive the greatest services and support from Apple and that you'll never have to put your life on hold again due to a device malfunction.

S/N Features Full cover with Applecare servicesStarts at £9.49 monthly Damage cover with Applecare servicesStarts at £5.99 monthly
Replacement the next day for loss and theft Yes No
Replacement the next day for accidental damage Yes Yes
Device repair when eligible Yes Yes
Global Coverage Yes Yes
Cover for theft Yes No
Cover for loss Yes No
Accidental Damage Insurance Yes Yes
Coverage for breakdowns for the term of your insurance, after the manufacturer's warranty has expired, Yes Yes
Multi-policy discount Yes Yes
Claim limits Damage - unlimitedLoss and/or theft - – Not more than 2 acceptedclaims in a rolling 12 month period Unlimited
AppleCare services Yes Yes
Cover for the in-box charging accessories that the manufacturer supplies Yes Yes
Free Minute One Accessories Bundle valued at £24.99 No Yes
Free Minute One Premium Accessories Bundle valued at £39.99 (or FREE Minute One Accessories Bundle valued at £24.99 when a Premium Bundle is not available) Yes No

EE will not replace your mobile phone or connected device if:

  • you or an authorised user purposefully leave your mobile phone or connected device where others may see it but you cannot,
  • you fail to file a report or get a criminal reference number with the police (local police if you are overseas) after the theft;
  • you or an authorised user purposefully leaves it on display in an unattended vehicle (for instance, in a dashboard holder);
  • you or an authorized User leave it in an empty building with the doors left unlocked and the windows left open.

How much does EE insurance cost?

The price you pay to insure your EE device depends on the cost of the device you purchase from the EE store. Simply select your preferred policy from "Choose your Extras" in your basket to add device insurance and protection from EE. Aftering choosing your preferred insurance cover, you will see the insurance monthly premium cost added to the cost of your device.

At the time of writing, EE insurance starts at £2.40 monthly for lower tiered phones, and cost up to £9.49 for iPhones. They may cost more or less depending on the device and type of insurance you purchase, and new rates adjusted every year.


EE insurance for your phone

It can be a nightmare to be without your phone, for days on end. Get EE Full Cover insurance to stay connected and avoid being cut off. With Full Cover, you can unwind knowing that if your device is broken, stolen, or lost, you can acquire a refurbished replacement the following day. Damage Cover provides protection against both breakdown and unintentional damage.

Additionally, if you own an iPhone, integrated AppleCare Services imply that EE's care and support will be combined with the best of Apple's.

When upgrading or signing up for a new contract with EE directly, you can add mobile phone insurance when doing so online, in person, or over the phone.

If you already upgraded or got a new line but skipped out on insurance EE may still be able to offer you coverage. All you need to do is call EE on 150 from an EE phone or (07953 966 250) from any other phone to discuss your choices.

Please note that EE is allowed to insure only devices bought directly from EE, whether online, in-store, or over the phone.. The gadgets that EE can insure are continually under review, and EE IS unable to guarantee some devices: any device that has already been reported lost, stolen, or broken is not eligible for insurance from EE.


EE insurance: how to make a claim

You can make a claim online through one of the following methods

  1. Through your My EE account
  2. Call 150 from an EE phone or 07953966250 from any other phone
  3. Live chat in the BT shop (use this method only when the first two doesn’t work)

What do I need in order to submit an insurance claim?

The following must be done prior to filing a claim:

  • Verify that the device you are claiming for is covered in your insurance policy. You can do this by checking your My EE account, your welcome package, or talking to a representative. Only the item you have insured is eligible for claims.
  • Verify the excess you'll have to pay for a valid claim.
  • Make sure you have access to your IMEI* number. You can find your device's IMEI by dialling *#06#. You can also find it in the device settings, on the back, in the SIM card tray, or in the original packaging.

You will need a Crime Reference Number (CRN) if you are filing a claim because your gadget was stolen . You must notify the local police if the theft occurred abroad.


EE insurance contact number

To find out more about EE insurance such as cost of insurance and types of insurance call EE on:

  1. 150 from an EE number
  2. 07953 966 250 from other network providers

How to cancel an EE insurance

Unless you have filed a successful claim, you may cancel your insurance within 14 days of receiving your policy documentation and receive a full refund.

For complete information regarding your cancellation rights, which are accessible through your My EE account, please refer to the 'General Conditions' section of your insurance terms and conditions.

You can cancel your EE insurance by:

  • Using an EE phone to dial 150.
  • Dialling 07953 966 250 from any other phone
  • Sending a letter to: EE Insurance Team PO Box 5568 Manchester M61 0TG.

Please make sure you provide the mobile number that is associated with your insurance policy.

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Our methodology
Roams offers a free information and comparison service, which tries to help anyone find the product that best suits their needs. To ensure that the data presented is correct, extensive market research and product analysis is carried out. Our database of mobile phone and internet rates is updated every day. The content is frequently reviewed by a team of writers with previous experience and/or specific training in telephony.

Personas que han participado en este post:

Fernando CarrilloRoams
Actualizado por Fernando Carrillo

Fernando estudió Administración, Publicidad y Relaciones Públicas. Con más de dos años de experiencia en Roams, Fernando es experto en el asesoramiento sobre telefonía, tarifas de móvil e internet. Además, también es especialista en canales de televisión y las distintas ofertas que tienen los operadores con tv.

Nadia Pérez
Edited and revised por Nadia Pérez