Samsung Galaxy insurance

Phones are a huge part of our lives, keeping us entertained and connected to our friends and loved ones on a day to day basis. So to suddenly have to replace it due to a drop or spill can be a hassle (not to mention, expensive) to sort out – especially if you’ve got the latest Samsung model!

Samsung galaxy insurance will protect your smartphone from risks such as theft, drops, spills and scratches, either at home or while you're out and about.

Endsleigh’s phone policies will provide cover against theft, accidental and liquid damage, as well as:

24 hour replacement

Stay connected when it matters most with 24 hour replacement once your claim is approved (if item is lost*, stolen or unrepairable). 

Mechanical breakdown

Cover for if your Samsung phone breaks down outside of the manufacturer’s warranty - this excludes damage caused by you not following the manufacturer’s instructions.

Worldwide cover

If you’re taking some time out to go travelling, make sure your phone is protected from mishaps abroad. Our Samsung phone insurance provides protection for your phone anywhere in the UK, and up to 90 days worldwide.

*If loss cover is selected.

We can provide cover for any Samsung phone model, including:

• Samsung S20 insurance
• Samsung S10 insurance
• Samsung S10 Plus insurance
• Samsung S9 insurance
• Samsung S8 insurance

If you have a brand new Samsung smartphone, you may have a warranty in place which will usually protect you against things like mechanical failure. However, this will not protect your phone against accidental damage – such as if you were to drop your phone, crack the screen or spill a drink on it. Therefore, if you want to financially protect your smartphone against these risks you may want to consider investing in smartphone insurance.

Before taking out your own mobile phone insurance policy, check that it isn’t already covered under your home insurance as some policies include this cover as standard, or you may be able to pay an additional premium to add it as a specified item.

However, if you do already have cover for your phone under your home insurance, it’s also important to check your policy documents to find out exactly what’s covered - you may find that your home insurance policy doesn’t provide the level of cover for your phone that you would receive with a separate Samsung phone insurance.

The ‘replacement cost’ is how much it would cost to replace your belongings should you need to make a claim.

With an Everywhere Student Pack, your gadgets and belongings will only be covered if the replacement cost is less than the limit shown on your policy documents, as follows:

• £1,000 pack = Cover for items that cost less than than £500
• £1,500 pack = Cover for items that cost less than than £750
• £2,500 pack = Cover for items that cost less than than £1,250

Here’s an example to show you how it works:

You have a mobile phone worth £450, a laptop worth £300 and a tablet worth £150 – because all of these items are each worth less than £500, they can be covered with a £1,000 Everywhere Student Pack. With this £1,000 Pack, you will be provided with up to £1,000 cover throughout the year for all your items, as long as the total cost of your claims isn’t more than £1,000. 

What happens when I make a claim?

Say you bought a new laptop that cost £300, and purchased an Everywhere Student Pack policy that provides £1,000 of cover for items with a replacement value of up to £500.

A few months later, you (sadly) drop and damage your laptop. Because the replacement cost on your policy is £500 and your laptop only costs £300 to replace, this will be covered under your Everywhere Student Pack policy. Had your laptop cost more than £500, it wouldn't be covered and you would be unable to make a claim.

Remember: It's always worth checking that your items don't cost more than the replacement cost when taking out our Everywhere Student Packs. If any of your items do cost more than the highest replacement cost (£1,250), you can choose to build your own cover.

What about Endsleigh’s laptop/tablet theft policy?

Our laptop/tablet theft policy provides cover for devices with a replacement cost up to £1,250.

Here’s a summary of some of the things that won’t be covered under your Samsung phone cover with Endsleigh - but please check your policy wording for a full list of exclusions.

• Cover is not available for gadgets and mobile phones more than 3 years old at the start of the policy.
• Wear and tear or costs for maintenance
• Cosmetic damage which does not affect operation
• Any gadget or mobile phone used for business, trade or professional purposes
• The first £75 for any accidental loss claim (if selected) and the first £50 for all other claims
• Accidental loss, unless selected

If you need to make a claim on your Samsung phone insurance policy, please visit our claim centre.

How we settle claims

This is not a ‘replacement as new’ policy, so please note that if your phone can’t be replaced with an identical model of the same age and condition, we’ll replace it with one that is of a similar specification or the equivalent value (taking into account the age and condition of the original phone). This may mean that your new phone will not be the exact same colour as the original.

Where an equivalent refurbished item is not available, we will offer vouchers or a cash settlement.

We are only able to offer cover for mobile phones that are less than three years old at the time the policy starts.

We are also unable to offer cover for any pre-existing damage, such as if your screen is cracked or showing signs of water damage.

It only takes a small knock to crack a phone screen, but it can be an expensive business getting it repaired. That’s why we include cover for cracked screens as standard.

For each claim, you'll pay the first £50 except for a loss claim where you'll need to pay the first £75 of the claim.