Can you get worldwide mobile phone insurance for less than £12.50 a month?
Pretty sure phone insurance is across the globe wherever you purchase it from?
I currently pay £11.99 for AppleCare with theft and loss, which is much better than insurance that comes from banks (I.e I can pay a fee and have a brand new iPhone 17 PM delivered the next day before sending my broken one back, or if I lose my phone abroad I walk into an Apple Store and get a new one).
I pay £50 a year for annual worldwide travel insurance with Coverwise.
I don’t drive so no need for breakdown.
I’ll be sticking with AppleCare/Coverwise for £16ish a month.
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NatWest Silver account covers both my wife’s and my phone for £10 a month, amongst other benefits
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That’s a good alternative, annoying like Lloyd’s silver it’s only European travel insurance.
Only 1 claim per year on phone cover, which isn’t a huge issue.
Doing some digging in perplexity:
Named bank examples
• HSBC: HSBC Premier and especially the HSBC Premier World Elite Mastercard in the UK use Collinson’s Priority Pass and LoungeKey networks to provide airport lounge access as a card benefit.[headforpoints +2]
• Chase (JPMorgan Chase): Collinson and sister company Airport Dimensions partner with Chase on branded airport lounges (Chase Sapphire Lounge by The Club), aligning lounge access and travel‑rewards propositions for Chase cardholders.[collinsongroup]
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The Platinum account upgrades it worldwide cover but it’s quite a jump in fee.
I’ve had the account since 2017 and only claimed once on the phone insurance, so one claim a year is plenty!
£10 with Ulster for worldwide family travel insurance (up to 31 days per trip) and phone cover. For parner’s phone to be covered account has to be joint. 2 phone claims per year for each account holder. No breakdown cover with Ulster account but we have that somewhere else at no extra cost.
Wife’s phone only covered if joint account. Also European travel insurance only, not worldwide and for max 22 days per trip.
It is…
With something as important as travel insurance, I need to know the one I have is above all reliable. Hard to know when you first take it out, other than reading other people’s experiences and reviews.
I am currently with Nationwide FlexPlus. We’ve used their breakdown cover multiple times, superb service every time (and we don’t get the AA where we live now). We’ve used the travel insurance once, again superb service.
At this point, we would not even consider going somewhere else for it, especially a newcomer bank who hasn’t even got the basics right.
I’ve claimed on the Aviva travel insurance once as well, they were really good from my experience. You can also get a quote online for pre-existing medical conditions before opening FlexPlus which is handy.
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What basics?
The terms I read said otherwise. May be if you do the other hack of “our” phone. 
Their travel cover was very good until they changed provider to Aviva. I had nightmares with Aviva when I needed to make a valid delay claim.
Their phone cover was superb and I guess still is. They handled the claims I made well and even replaced one of the devices whose battery they couldn’t fix after two attempts of “putting a new one”.
I meant it is a joint account
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Their app is still one of the most sluggish banking apps I have, and then there’s things like this:
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I guess that error is from Sky not Chase.
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I’m not sure what the Sky issue is, but it’s definitely on them not Chase.
iOS app seems pretty fine tbh.
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I had some issues moving DD’s to a newly created account. In my case Affinity Water, it seems they only update their db once every few weeks, so my account was considered invalid by their system.
However calling them they were able to move it. For another provider they asked me to send a bank statement to prove the account existed.
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This happened to me too recently with Vanguard they could not verify my new Chase or Club Lloyds account. They wanted ID verification and a bank statement for the new accounts. I just changed back to previous account.
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