What's included

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

  • Cover worldwide against loss, theft, damage and breakdown (including faults).

  • Unauthorised network charges if someone else has used your phone without your permission (limits apply).

  • Cover for both contract and Pay As You Go phones.

  • Accessories lost, stolen or damaged at the same time as your mobile phone (limits apply).

  • A maximum of 4 claims per FlexPlus account in any 12-month period.

What's not included

Exclusions and limitations apply. Always check the policy documents for full details. Some of the key exclusions are:

  • Any incident where you haven’t taken care of your mobile phone. See the policy document for full details on what is deemed not taking care of your mobile phone.

  • Unauthorised network charges are only covered up to 24 hours after discovery of the incident.

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


You'll need to pay an excess for every accepted loss, theft, damage or breakdown claim.

To get FlexPlus mobile phone insurance

You need to:

  • have a FlexPlus current account
  • be a UK resident.


It’s not possible to have a FlexPlus account without the insurances, and you can’t buy the insurances separately.

Policy documents

Make sure you read and understand the policy documents:

When you make a claim, you can use the policy document to specify what help you need. This will help us to process your claim quickly and effectively.

Who is covered

The insurance covers all Nationwide FlexPlus current account holders, their partners and dependent children.

Dependent children

A dependent child is any child, including a legally adopted, fostered or stepchild, of the account holder. They have to be all of the following to be covered:

  • under 19, or under 22 if in full-time education
  • living permanently with either the account holder or their other parent
  • not married or in a civil partnership.


This is the person the account holder lives with at their home address. They should be in a relationship, whether married or cohabiting, regardless of gender.

When your cover starts

As soon as your FlexPlus account is open, you will start to benefit from the insurances.

Sometimes we might not be able to open your account straight away. For example, if you are opening a joint account and we need additional signatures. In these cases, your cover begins as soon as you get your confirmation letter to tell you the account is open.

If you already have mobile phone insurance

Before you apply, consider if you already have mobile phone insurance. You may be paying twice for the same cover, so you’ll need to consider which policy provides the best cover for you.

The cost of any claims, if you are covered by more than one policy, may be shared between the insurance companies.

Registering 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
  • FlexPlus current account number and sort code

Over the phone

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


You can also register online.

Make a claim

You’ll need to prove you own the phone when you make a claim. This could be a till receipt or documentation from your network provider showing the IMEI number, make and model of your phone.

You can get your IMEI number by typing *#06# into your phone.

What you’ll need for different types of claim:

  • For loss or theft claims, you will need to contact your network provider as soon as possible to bar your SIM card once you discover it missing.
  • For theft claims, you will also need to provide a crime reference number. You’ll need to contact the police to get a crime reference number.
  • For accidental damage or breakdown claims, you will need to post your mobile phone to us for repair.

Excess if you claim

You will need to pay an excess for every accepted claim.

Table showing excess if you claim.
Excess if your phone is lost or stolen Excess if your phone is damaged or breaks
Apple £125 £75
All other manufacturers £100 £50

How to make a claim

How to cancel your insurances

The only way to cancel your insurance cover is to close your FlexPlus current account.

How to close your current account

You can’t cancel individual insurance policies, they come as a package.

Who provides this insurance?

FlexPlus Worldwide Family Mobile Phone Insurance has been arranged for Nationwide by Lifestyle Services Group Limited (Financial Services Register No.315245) with a single provider Assurant General Insurance Limited (Financial Services Register No. 202735).

Assurant General Insurance Limited, Registered in England and Wales No. 2341082. Registered Office: Emerald Buildings, Westmere Drive, Crewe, Cheshire, CW1 6UN. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Lifestyle Services Group Limited is registered in England and Wales, No.5114385. Registered Office: Emerald Buildings, Westmere Drive, Crewe, Cheshire, CW1 6UN. Authorised and regulated by the Financial Conduct Authority in respect of insurance mediation activity only.