Does Phone Insurance Cover Broken Screen? Everything You Need to Know 2026

Wondering if mobile phone insurance covers a broken screen? Discover what’s included, how it works, and tips for getting your smartphone repaired without breaking the bank.

Check UK Providers

Introduction

Accidents happen, and let’s face it, dropping your phone and shattering its screen can feel like the end of the world. Whether it slips out of your hand or takes an unfortunate tumble from the couch, a broken screen is one of the most common mobile device mishaps. But here’s the million-dollar question: does phone insurance cover a broken screen?

It’s a question many of us ask after staring at the spider-web of cracked screens on our beloved devices. The good news? Most phone insurance policies that include accidental damage cover can cover a broken screen, but the details matter. Let’s dive into everything you need to know about phone insurance and broken screens, so you can get your device back in working order without unnecessary stress.

What Does Phone Insurance Cover?

Before we zoom in on broken screens specifically, it’s worth understanding the basics of mobile phone insurance. Typically, phone insurance is designed to protect against unexpected damage, loss, or theft. While coverage can vary between providers, here’s what most policies include:

Accidental Damage: Damage cover for cracked screens, liquid damage, or other unintentional mishaps.
Theft or Loss: If your phone is stolen or you lose it entirely, many policies will provide a replacement.
Mechanical or Electrical Faults: Issues not covered under your manufacturer’s warranty period.

But, and this is a big but, not all gadget insurance policies are created equal. Some will cover a cracked screen outright, while others may only reimburse repairs under specific conditions.

Does Phone Insurance Cover a Broken Screen?

Yes, phone insurance often covers broken screens, but there are a few catches. The extent of the coverage depends on your provider, the type of insurance plan you’ve chosen, and the circumstances surrounding the damage. Some policies even offer unlimited screen repairs. Let’s break it down for clarity:

1. Accidental Damage Clause

Most phone insurance policies include accidental damage cover, which covers incidents like dropping your phone and cracking its screen. If your policy has this feature, you’re in luck! Just make sure to check the fine print; some providers may have restrictions on how often you can make a claim.

2. Excess Fees

Even if your phone insurance covers a broken screen, you’ll likely need to pay an excess fee (similar to a deductible) before the insurer provides repair or replacement. Excess fees can range from affordable to eye-watering, so it’s worth knowing what you’re signing up for.

3. Pre-Existing Damage

Insurance won’t cover damage that occurred before you took out the policy. If you already had cracked screens when you signed up, you’re out of luck.

4. DIY Repairs

Attempted a DIY fix with a YouTube tutorial? That’s a no-go. Most insurance providers void your coverage if you tinker with the phone yourself or use an unapproved repair service. To make a claim valid, it requires professional handling.

How to Claim for a Broken Screen

If you’ve confirmed that your phone insurance covers broken screens, here’s how to move forward with a claim:

Document the Damage
Take clear photos of the broken screen as evidence. This will be useful when filing your claim.
Contact Your Insurer
Reach out to your insurance provider as soon as possible to make a claim. Most insurers have a claims portal on their website or app, making the process straightforward.
Provide Required Documentation
You’ll likely need to supply proof of purchase, photos of the damage, and details about how the accident happened.
Pay the Excess Fee
Be prepared to pay the agreed-upon excess fee before repairs or replacements are authorised.
Repair or Replace
Depending on the policy, the insurer may repair your phone or provide a replacement device (often a refurbished replacement). Some premium policies include next business day replacement to speed up the process.

What If My Insurance Doesn’t Cover a Broken Screen?

If your policy doesn’t include coverage for accidental damage, don’t panic. There are still options:

Manufacturer Repairs: Check if your phone’s warranty covers screen damage. Standard warranties typically handle mechanical breakdown but not accidental damage like a broken screen. AppleCare+ and similar programmes often include discounted repairs for out-of-warranty breakdown.
Authorised Repair Shops: Third-party repair services can fix a broken screen for less than the cost of a new phone. Just ensure they’re reputable to avoid further issues.
DIY Fix Kits: While not recommended (and risky), repair kits are available online if you’re confident in your skills.

Using a screen protector can help prevent future damage.

Tips for Choosing the Right Phone Insurance

If you’re shopping for phone insurance or want to upgrade your current plan, here are a few tips to keep in mind:

Look for Full Cover with Accidental Damage: Ensure your policy explicitly covers broken screens.
Check the Excess Fee: A low monthly premium might mean a high excess fee; with a pay monthly plan, the quoted price often includes insurance premium tax, so balance affordability with practicality.
Compare Repair Options: Some insurers only work with specific repair shops. Make sure those options are convenient for you.
Consider Your Phone’s Value: If your device is older or inexpensive, insurance might not be worth the cost.
Check for Worldwide Cover: If you travel frequently with your device, verify that your policy includes worldwide cover.

FAQs

1. Does phone insurance cover a broken screen caused by someone else?

Yes, if accidental damage cover is included under your policy. However, you’ll still need to file the claim and pay the excess fee.

2. Will my phone insurance replace my phone if the screen is unfixable?

In most cases, yes. If the screen damage is beyond repair, the insurer will likely provide a replacement device.

3. How long does it take to repair a broken screen under insurance?

It depends on your insurer and the repair service they use. Repairs can take anywhere from a few days to a week or more.

4. Can I claim for a broken screen more than once?

Many policies allow multiple claims per year, but check the claims limit in the terms of your policy for details.

5. Do I need to pay the excess fee upfront?

Typically, yes. The excess fee is usually required before repairs or replacements are authorised.

6. Does phone insurance cover unauthorised usage or accessories?

Yes, many policies include cover for unauthorised usage and accessories cover as additional benefits. However, standard screen repair policies usually don’t cover battery performance issues.

Conclusion

When it comes to answering the question, “Does phone insurance cover a broken screen?”, the answer is usually yes, but with conditions. Functional cracks typically fall under accidental damage clauses for repair or replacement, though purely cosmetic damage might not be covered; excess fees and policy fine print can still complicate things.

To avoid future headaches, take the time to review your phone insurance policy, understand what’s covered including your damage cover, and know your options if the worst happens. After all, a little preparation now can save you from the dreaded cracked-screen panic later.

So, the next time your phone takes an unfortunate dive, you’ll know exactly what to do, and who to call, for help.

Editor’s Choice