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Three Insurance gives you unlimited screen repairs. And we aim to replace your phone the next working day, so you'll get back online fast.

We offer two types of cover

Damage cover

From cracked screens and out-of-warranty breakdown, to damage caused by children or pets. We can get your device repaired or replaced the next day, from as little as £4 a month. Plus, up to £300 cover for accessories included with, or purchased at the same time as your device.

Full cover

The ultimate protection starts at just £7.50 a month and covers you for loss and theft, as well as all accidental damage. You’ll get a quick repair or replacement device, plus up to £300 cover for accessories included with, or purchased at the same time as your device.

Need to make a claim?

Making a claim is quick and simple - you can make a claim online, or by calling us. We'll have a replacement device with you the next working day. [1]

Here's what Three Insurance covers

Damage cover

Here's what's covered:

  • Cracked screens
  • Port and speaker damage
  • Damage caused by a third party (such as children and animals)
  • Water and moisture damage
  • Battery performance below 50% of its original performance
  • Extended warranty after manufacturer warranty ends
  • Accessories up to £300 (included with or purchased at the same time as the device)
  • Damage due to fire, explosion, implosion, and overvoltage

Here’s what’s not covered:

  • Theft or loss (where a police report has been filed)
  • Pickpocketing
  • Damage already covered by manufacturer warranty or seller guarantees
  • Minor cosmetic damage
  • Intentional damage
  • Software applied to the device that isn’t necessary for its operation (for example, apps)

Full cover

Here's what's covered:

  • Cracked screens
  • Theft or loss (where a police report has been filed)
  • Pickpocketing
  • Port and speaker damage
  • Damage caused by a third party (such as children and animals)
  • Water and moisture damage
  • Battery performance below 50% of its original performance
  • Extended warranty after manufacturer warranty ends
  • Accessories up to £300 (included with or purchased at the same time as the device)
  • Damage due to fire, explosion, implosion, and overvoltage

Here’s what’s not covered:

  • Damage already covered by manufacturer warranty or seller guarantees
  • Minor cosmetic damage
  • Intentional damage
  • Software applied to the device that isn’t necessary for its operation (for example, apps)
  • Theft or loss as a result of the device being intentionally left unattended in plain sight or intentionally left unlocked in vehicles, public premises, or public places.

Reasons to choose Three Insurance

Next business day replacement

Claim before 8.30pm on weekdays, or 2.30pm on Saturdays, and your replacement device should be with you the next business day. [1]

Convenient, quick repairs

You can send it to us in the post, or go in-store. Or get our mobile repair van to come to your home or office to fix your phone while you wait. [2]

Worldwide cover

Whether you’re at home or away, we’ll service your claim in any Go Roam destination. And you’re still covered by our usual repair and replacement services.

Unlimited screen-only repairs

Cracks happen. So it’s good to know you get unlimited screen-only repairs with both Damage Cover and Full Cover. All for just a £25 excess fee. [3]

*Extended Warranty duration is based on length of device finance, with a maximum available coverage of 36 months.

How to get Three insurance

You can take out Damage Cover or Full Cover insurance when you buy a phone or tablet on one of our Pay Monthly plans, or within 28 days of purchase if you don't take it at the same time.

Are you eligible?

You can take out Three Insurance if you’re over 18 and you live in the UK permanently. Full terms and conditions (PDF) and a claims excess fee apply. For more information, check out the Full Cover Insurance Product Information Document (PDF) and the Full Cover Extra Information Document (PDF) or the Damage Cover Insurance Product Information Document (PDF) and the Damage Cover Extra Information Document (PDF).

How to make an insurance claim

If you’re covered by Three Insurance, it’s quick and easy to make a claim online.



Three Insurance is enabled by SquareTrade, our trusted partner in device protection.


To start a claim, click here.



If you'd prefer, you can chat with SquareTrade online, or speak to them over the phone. Just visit their website for details.

This insurance is mediated by SquareTrade Limited, which is authorised and regulated by the FCA (No. 538538) in the United Kingdom. Registered office: 5 Golden Square, London, W1F 9BS, United Kingdom. The insurer is Starr International (Europe) Limited, the underwriter of this policy, whose registered office address is at 30 Fenchurch Avenue, London EC3M 5AD, United Kingdom. Company number 9654797. Starr International (Europe) Limited is authorised by the Prudential Regulation Authority (“PRA”) and regulated by the Financial Conduct Authority (“FCA”) and the PRA To check the FCA and PRA registrations, see http://www.fca.org.uk/register or call +44 20 7066 1000.

Terms and conditions