The Gadget Insurance policy is designed for people who don't have their gadget insured elsewhere, or wish to cover them separately, and who want to cover the costs of repair or replacement should the item breakdown outside of the manufacturers' warranty, be damaged, lost or stolen.

With cell phone insurance, your insurer agrees to pay for damage to your device in exchange for a monthly premium. Cell phone insurance typically covers loss, theft, damage and mechanical failure. Devices are getting more and more expensive, so cell phone insurance may be worth it for many people.

You can also make a claim by calling us on 0330 333 4792 – our phone lines are open Monday – Friday, 8am – 8pm, and Saturday - Sunday, 9am - 6pm Alternatively you can write to us at Protect Your Bubble, PO Box 1033, Uxbridge, UB8 9PX.

0330 333 4792 Please call our customer services team on 0330 333 4792, Monday - Friday, 8am - 6pm, or follow the guidelines below to file a complaint.

Liquid damage. Theft. Covered Worldwide as standard. Mechanical breakdown (once the manufacturer's warranty has run out).

Insurance for cell phones can help protect you from: Accidental damage due to spills and drops. Theft and vandalism. Cracked screens.

Cell phone insurance plans cover repairs not covered by the manufacturer's warranty as well as theft. It's like any other insurance plan where you pay a premium for your coverage, and the insurer will pay out for repairs or replacement in the event of a covered loss.

Gadget Claims We only pay for unauthorised network charges from the point your gadget is lost or stolen up to 24 hours after you discover the loss or theft – if you don't tell your airtime provider within 24 hours you will be responsible for any further charges.

We cover you against physical damage to your Product caused by unexpected and/or unintentional incidents that are accidental in nature. This includes drops and falls, liquid spills or submersion and weather damage caused by incidents such as rain and high winds.

Gadget Claims Tell us about any claim as soon as possible from the discovery of the loss, theft, breakdown or damage. As soon as possible so they can block your device and SIM card as soon as possible – we also may ask for evidence of this to support any claim for the loss or theft of your gadget.

This was despite its website saying: 'We aim to replace all successful theft claims within 48 hours, so you won't be without a device. ' It noted that while it promises to issue a new phone within a couple of days of a claim being approved, this process can take a couple of weeks.