What's included?

Exclusions and limitations apply to some types of cover, so always check the policy documents for full details. Here are some of the main benefits.

  1. Phone accessories cover

    Accessories lost, stolen or damaged at the same time as your mobile phone are included. Limits apply.

  2. Make claims online or over the phone

    You can make and monitor claims through an online portal or over the phone.

  1. Unauthorised network charges cover

    You're covered if someone else uses your phone without your permission. Limits apply.

  2. Cover for high-value phones

    Mobile phones owned by you or your family members are covered up to a value of £2,000 (including VAT) per claim.


You'll need to pay £13 a month to maintain a FlexPlus current account, even if you can't use the insurances.

It's not possible to have a FlexPlus account without the insurances or the insurances without a FlexPlus account.

Worldwide cover for you and your family

  • Support wherever you are
    Including for loss, theft, damage, breakdown or faults. You can make up to 4 claims per account in any 12-month period.

  • Cover however you pay for your phone
    Whether you pay be contract, SIM-only or Pay As You Go, your phones are covered.


Excesses of between £30 and £100 will apply when you claim. You can check your phone's excess (opens in a new window) on the insurer's website.

Who is covered?

All FlexPlus current account holders, their partners and dependent children.

Your partner is the person the account holder lives with at their home address. You should be in a relationship, whether married or living together, regardless of gender.

A dependent child is any child, including a legally adopted, fostered or stepchild, of the account holder. To be covered, they must be both:

  • under 19, or under 22 if in full-time education, and
  • not married or in a civil partnership.
What is full-time education?

This is education undertaken in pursuit of a course where they spend an average of more than 12 hours per week during term time receiving tuition, engaging in practical work, getting supervised study or taking examinations. For example, a National Diploma, traineeships, apprenticeships or a degree.

They also need to be either:

  • living permanently with you, the account holder, or
  • living with their other parent or in student accommodation for the remainder of the time.

When does the cover start?

As soon as your FlexPlus current account opens. This includes mobile phone insurance as well as travel insurance and breakdown cover.

Sometimes, we might not be able to open your account straight away. For example, if you're opening a joint account and we need additional signatures. In these cases, your cover begins as soon as you get our letter or email saying your account is open.

What's not included?

Exclusions and limitations apply to some types of cover, so always check the policy documents for full details. Here are some of the main exclusions.

  • Cover for incidents where you haven't taken care of your mobile phone.

  • Cover for unauthorised network charges from later than 24 hours after you noticed the incident.

  • The cost of postage and packaging for accidental damage or breakdown claims if you send your phone for repair.

  • Cover for non-UK residents. A UK resident is someone who spends at least 6 months of any 12-month period in the UK.

Who provides this cover

Our FlexPlus Worldwide Family Mobile Phone Insurance is provided by Assurant.

Policy documents

The FlexPlus mobile phone insurance policy is made up of the following documents.

Our other FlexPlus insurances

Our packaged bank account, FlexPlus, also comes with UK and European breakdown cover and worldwide travel insurance for just £13 a month to maintain the account.

Breakdown cover

For your journeys anywhere in Europe, in any vehicle.

Travel insurance

For you and your family's globetrotting adventures.

For existing FlexPlus members

If you already have a FlexPlus current account, here’s how you can get the assistance you need and register your phone.

Make a claim online

You can make a claim for a lost, stolen, broken or damaged phone online or over the phone.

Make a claim over the phone

Monday to Friday, 8am to 8pm.
Saturday and Sunday, 9am to 6pm.

How to register your phone

Not registering your mobile phone won't affect your ability to claim, however it could improve your experience if you register your mobile phone details up front.

To register, you'll need your:

  • phone number
  • phone make and model
  • IMEI number. Get this by typing *#06# into your phone or contacting your network provider
  • FlexPlus current account number and sort code


You can register your phone on our insurer's website.

Over the phone

Monday to Friday, 8am to 8pm.
Saturday and Sunday, 9am to 6pm.

How to cancel your cover

The only way to cancel your mobile phone insurance is to close your FlexPlus current account. You cannot cancel individual insurance policies, they come as a package.