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Maintaining a home

Mobile phone insurance: what’s covered if you lose or break your smartphone

2 April 2019

Losing or breaking your mobile phone is definitely something we all want to avoid. Not only can it be quite disruptive to your everyday life but there are personal and financial implications. From lost photos, passwords and other electronic records, to paying to replace or repair your smartphone unexpectedly – it can be a costly and inconvenient experience.

What’s covered with mobile phone insurance?

Not all policies cover the same things, however with Suncorp if you have insurance cover for your mobile phone you should be able to claim in the following scenarios:

  • If your mobile phone is lost or stolen
  • If your mobile phone is damaged and can be repaired
  • If your mobile phone is damaged beyond repair

You can expect a replacement, repair or reimbursement depending on the situation and if you meet the claim criteria.

How to add insurance for your mobile phone with Suncorp

With Suncorp, a mobile phone can be insured as part of your Home and Contents Insurance or Contents Only policy. It’s an optional extra you can add on to your policy called ‘Personal Valuables’, which includes some of the valuables you’re likely to take with you when you leave the house. That’s things like your mobile phone, laptop, jewellery and even your bicycle (so long as you’re not using it for racing or pace making).

If you have personal valuables cover, the items will be insured anywhere in Australia and New Zealand. Jewellery and watches are even covered for up to 30 days anywhere in the world so long as you’re wearing them or keep them in a secure safe.

Should I choose specified or unspecified portable valuables cover?

It depends on the value of your items. Unspecified portable valuables cover has an item limit of $1,000. So if your smartphone is worth $1,800 and you make a claim, the most you can be paid is $1,000 (minus any excess, fees or charges).

If you choose to specify the item – by providing specific details of the make, model and value – you can insure it for the full amount. So that $1,800 smartphone would be covered for the full amount – up to $1,800 (again, minus any excess, fees or charges).

What happens if I need to claim for my lost or damaged mobile phone?

With Suncorp, we make it as easy as possible to help you when it comes to claim time. You can make and track a claim via The Suncorp App, online or by calling 13 25 24 - 24 hours a day, 7 days a week.

Here’s a step by step guide covering what to expect if you need to claim for your mobile.

Step 1: Have your details ready. We’ll need your policy number and details of the event. It will also help us settle your claim as quickly as possible if you can provide evidence of ownership or a repair quote for your mobile phone.

Step 2: Lodge a claim 24/7 online, via the Suncorp App, or on the phone. Some mobile phone claims may be able to be settled instantly if you have all your details ready when you call.

Step 3: Track your claim. Track the progress of your claim online at any time through your online account or the Suncorp App. 

Step 4: A member of our claims team will review your proof of ownership or repair quote.

Step 5: Finalise your claim. We’ll follow up with you to arrange replacement or settlement if your claim is covered, and ensure you’re happy with the outcome.


Insurance is issued by AAI Limited ABN 48 005 297 807 trading as Suncorp Insurance. Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Please read the relevant Product Disclosure Statement before making any decision regarding this product. This advice has been prepared without taking into account your particular objectives, financial situations or needs, so you should consider whether it is appropriate for you before acting on it.