But if you have separate insurance for just your phone, you’ll probably get passed between the insurers for it. My mother had that issue with NationWide and NFU Mutual a few years ago. Because both insurances overlapped when it came to her phone, neither were willing to cover it because the other insurer covers it. It eventually got resolved, and Nationwide paid out, but it was more hassle than it was worth, and the packaged Nationwide account was closed soon after.
If you’re still worried, for when you’re outdoors, it might be possible to add out of home cover to your existing contents insurance policy relatively cheaply. It’s worth enquiring. For an extra £5 per month, all my portable tech (not just my iPhone) is covered out of the home.
Not that I would suggest insurance fraud, but if you dropped your phone from the top of the Eiffel Tower and then called them and said it fell out of your pocket on the way down the stairs, how are they going to prove differently?
I’d consider changing you’re contents insurance then too. Getting contents insurance and phone insurance in one is pretty common and you can save quite a lot. And you’ve been with them a year so that’s a good time to look if you can get cheaper elsewhere.
I’m gonna recommend Urban Jungle again, especially if you’re a renter, but look at the MoneySaving Expert links above too - that website will always send you in the right direction.
I dropped my phone earlier (and I think it was subsequently run over). Do you think this is beyond repair? The ‘find my iPhone’ feature still works, and it still seems to charge, and light up when I press the home button… I’m probably being a bit optimistic here!