Insure Your Mobile Phone or Gadget

Before disaster happens

If you've ever lost, damaged or had your mobile or gadget stolen, you'll know why insurance is so important. Without your mobile or gadget it's really hard to manage important daily tasks; stay in touch with family and friends; access the world and those all important services and social media channels. As if that isn't bad enough, imagine having to fork out to replace the mobile or gadget too, ouch.

With NextGen gadget and mobile phone insurance, your lost, stolen or damaged device can be quickly fixed or replaced, so that your life can continue as normal. Get it insured with NextGen Insurance, before disaster happens.

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Gadget & Mobile Phone Insurance from NextGen

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Why NextGen gadget & mobile phone insurance?

5 great reasons to purchase from NextGen

1) A choice of 3 levels of cover - so you can pick cover that's right for you and only pay for the protection you want!

2) 5* Defaqto rated products including cover for drops, spills, loss, theft, mechanical breakdown and worldwide cover.

3) 5* reviews on Feefo - take a look at what our customers say about us. We're ready to help you when you need us, and we're really proud of the service we provide.

4) Cashpot - you have the ability to earn cash, when you or your family/friends use your unique referral code. Furthermore, you'll be helping to protect our planet for the next generation, as each time your code is used, we'll make a donation to Friends of the Earth.

5) You're in control - using our online, password-free, self-service portal. You can view and access your policy documents, withdraw cash, register a claim or contact us whenever you want to.

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Peace of mind, from as little as £5.41 per month

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Our Customers Love Us!

Just take a look at what they say...

The next generation mobile & gadget insurer

UK customer service

Click, call or e-mail - our agents are ready to help

A-rated insurers

We only work with reputable insurers

Look at these low monthly prices!

iPhone 11 insurance

iPhone 11 64GB Insurance

Only £5.77 a month

Samsung galaxy s20 insurance

Samsung Galaxy S20 128GB Insurance

Only £6.01 a month

Huawei P40 Pro Insurance image

Huawei P40 Pro 256GB Insurance

Only £6.01 a month

Apple iWatch insurance image

Apple iWatch 5 Insurance

Only £4.99 a month

Apple MacBook insurance image

Apple MacBook Air Insurance

Only £6.01 a month

Bose A20 Aviation Headset

Bose A20 Aviation Headset Insurance

Only £4.29 a month

Frequently Asked Questions

We have a choice of cover, so that you can find the level of insurance that meets your needs. Our Essential level of cover looks after you in the UK or abroad for breakdown, loss, theft, fraudulent use and accidental damage (yes, that includes cracked screens and dropping your mobile/gadget down the toilet). In addition, we have other levels of cover that insure you against unauthorised calls and includes mobile/gadget accessories cover, extended cover abroad (365 days a year) and liquid damage. 

While you’ve probably got a 12 months manufacturer’s warranty this only covers you for mechanical breakdown. Our gadget and mobile phone insurance includes cover for cracked screens, liquid damage, accidental damage, loss and theft. Once your 12 month warranty is up, we cover mechanical breakdown too!

Your gadget or mobile phone might be covered under your home insurance but the cover is unlikely to cover all of your needs, and could leave you without a mobile phone or gadget for a considerable amount of time (home insurance claims can take a while to resolve). 

Home insurance isn’t designed with your mobile or gadget in mind, so is unlikely to cover you for fraudulent use or unauthorised calls. Furthermore, if you claim on your home insurance, the excess you may be required to pay could be higher than the cost of having separate gadget or mobile phone insurance. Naturally, your contents insurance premium may then increase when your policy comes to renewal, due to the claim you made.

Please make sure you view the benefits and cover of each gadget or mobile phone insurance policy before you make a decision. If you’re not sure, give us a call and we’ll help explain our cover options further.

Next Generation Insurance (NextGen) is an insurance intermediary (broker) and not an insurance company. We sell and administer gadget and mobile phone insurance products on behalf of insurance companies.

We only work with A Rated Insurers, which means that you are insured with reputable companies. The underwriters that we work with are Axa Insurance (Premium & Ultimate products) and Zenith (Essential product).

You can pay for your policy annually or monthly on our Premium & Ultimate products and annually only on our Essential cover. For monthly payable policies we set up a subscription for the monthly instalments and the premium will be taken from the bank card you use to purchase your insurance and pay your first premium. 

If you have a preferred day in which you would like payment to be taken be sure to start your policy from that day of the month. We are not able to change payment collection days once the policy is active because the payment date directly aligns with the policy cover period.

To make changes to your personal details, including your payment details, head over to the NextGen Customer Area. You don’t need a password to log in, just enter your mobile number or email address and we will send you a 6-digit pin. 

If you want to change your gadget or mobile phone, please email the details of the new gadget to and we will consider the request and calculate any change in premium and get right back to you. 

Unfortunately, we’re unable to process change of payment collection date requests. 

Yes, your gadget or mobile phone must be have been purchased in the UK. You can insure gadgets or mobiles that you have purchased from network providers, direct from manufacturers or a high street store.

If you purchase your gadget or mobile as a refurbished device, it must have at least a 12 month warranty.

Our Essential policy only insures refurbished gadgets that are purchased directly from network providers or manufacturers. This clause does not apply to our Premium & Ultimate products. 

We offer cover for a large range of gadgets including, but not limited to smartphones, laptops, Macbooks, tablets and smartwatches. We’re always adding new gadgets to our list, if you can’t find your gadget, get in touch on

We can insure the gadget or mobile phone that belongs to you or your immediate family, as long as they live at the same address as you. By ‘immediate family’ we mean your Mother, Father, Son, Daughter and spouse. 

You need to make sure your gadget or mobile is safe and secure at all times. If you leave it unattended it should be locked up, out of sight or left with someone you trust. Failure to be sure that your gadget is safe could mean your claim is declined.

If you knowingly leave your gadget where others can see it and you can’t, and your gadget is then lost or stolen, we may not pay your claim. 

We will always take into account the individual circumstances, however, we’d expect you to take good care of your gadget at all times. 

Gadgets are worth a lot of money and as such we’d expect appropriate precautions to be taken to protect them at all times. For example, if you were sat in a coffee shop and needed to nip to order another drink or to the toilet, you couldn’t reasonably expect to leave your gadget on a table, unattended and for it to still be there when you return. Just think of your gadget as a bundle of cash, we’re pretty sure you wouldn’t leave that unattended either. 

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