Virgin Mobile - Insurance

Mobile Insurance with Virgin Media Protect

When you buy a Virgin Media Pay Monthly phone, you can take this cover to protect it against the risk of loss, theft, damage and out of warranty breakdown.

Terms & Conditions

Please read these Terms and Conditions in full so you understand what's covered and what's not. The terms 'we', 'our' and 'us' means Asurion (the policy administrator) and Liberty Mutual Insurance Europe Limited (the insurer).

A. Your cover

Virgin Media Protect gives worldwide cover to protect your phone against:

  • Loss & theft
  • Accidental damage (including cracked screens and liquid damage)
  • Malicious damage
  • Pet damage
  • Out of warranty breakdown

You can buy Virgin Media Protect when buying or upgrading your phone with Virgin Media and you'll be covered as soon as the phone is in your hands. You're covered whilst travelling and when you lend your phone to family or friends.

B. The cost of cover

Your monthly premium and claim excess fee (which is the amount you have to pay towards the cost of your replacement device to complete a claim) is based on the phone's value at time of purchase.

  Monthly premium
Claim excess fee
Tier 1
Tier 2
Tier 3
Tier 4

We'll need to collect your first month's premium before any claim can be completed, your cover then renews automatically for the next 59 months. As your device ages and falls in value, we'll adjust your excess fee downwards. You can call us to find out your current excess fee.

C. What's not covered

We do not offer 'new for old' cover, which means your replacement phone may be refurbished to our standard (using original). Our aim is that you will not be able to tell the difference in standard between a new and refurbished phone.

It's important you understand that you're not covered for:

  • Any phone other than one purchased from Virgin Media, replaced by us or replaced under manufacturer warranty.
  • Any claim if your Virgin Media Protect policy is in arrears (you can make a catch up payment and complete the claim).
  • The excess fee you have to pay to complete a successful claim.
  • A third claim or subsequent claims made within a 12-month period. We'll cancel your Virgin Media Protect policy immediately after two successful claims have been completed in any 12 month period from the date of the first incident.
  • Any calls, data usage or downloads made on a missing phone.
  • Accessory-only claims and accessories other than the battery, mains charger and hands-free kit that came with the phone.
  • Cosmetic damage (where there is no loss of functionality - except where you are claiming for a cracked screen) and damage caused by wear and tear, repair or making alterations to the phone or acting against manufacturer guidelines.
  • The cost of any repairs to your phone unless instructed by us.
  • Any fault that happens within the manufacturer's warranty period. This is the period during which the manufacturer has provided an assurance that your phone will be free from manufacturer faults.
  • Any malicious or deliberate damage caused by you or somebody you have authorised to use your phone.
  • Any veterinary costs if your pet needs treatment after damaging your phone.
  • Any indirect losses from the claim incident, which means any consequences you face as a result of being without your phone.
  • Loss or corruption of any kind of software or digital content other than standard manufacturer software.
  • Confiscation of your phone by a finance company or government agency (such as the police).
  • Any claim that we find to be fraudulent.

If you report a claim to us more than 90 days after discovering the loss, theft, fault or damage to your phone, we will still consider your claim, but it may impact our ability to assess your claim and could, in some cases, result in it being declined.

D. Making a claim

  1. For lost or stolen phones, call Virgin Media as soon as possible (we recommend you do this in 48 hours) on 0345 6000 789* (+44 7953 967 967 from abroad) to block it against unauthorised use. We recommend you report any stolen phone to the Police as we may need a crime reference number to complete your claim
  2. Call our Virgin Media Protect team on 0345 030 3291 to make a claim. You should claim within 30 days of discovering the loss, theft, damage or breakdown.

Please have a payment card ready to pay your claim excess fee.

When you claim for any loss or theft of your phone, we'll block your original phone automatically before sending any replacement. We won't be able to complete your claim until you agree to our blocking your original device. Once your claim is completed, we (and only we) can unblock that device.

We aim to provide a next-day replacement for claims accepted before 7.30pm Monday to Friday and 2.30pm on weekends. If we're late, let us know and we'll give you £20, credited to your bank account within 30 days. This excludes:

  • Claims made or deliveries that fall on a Bank Holiday.
  • Any delivery outside of the Great Britain including deliveries to the Scottish Islands, Northern Ireland and the Channel Islands.
  • Any delay caused by something outside our control like extreme weather, natural disaster, epidemic or crime.

Please make sure someone is in to sign for the delivery. Your replacement comes with:

  • Our 24-month warranty on your replacement phone.
  • The usual phone accessories, if yours were involved in the incident or we provide you with a different-model replacement.
  • Prepaid packaging to return your damaged or faulty phone (minus your SIM card, battery and charger).

As soon as we settle your claim, your damaged or faulty phone becomes property of the insurer. A damaged or faulty phone (and any lost or stolen phone later recovered) must be returned to us within 15 days of receiving your replacement (or recovering your lost or stolen phone).Otherwise, we'll charge a non-return fee (based on the value of your non-returned phone) to the payment card used to pay your excess fee. The phone is your responsibility until it arrives with us, so please make sure you get proof of postage at the Post Office. If you don't send us the original damaged or faulty phone (or lost or stolen phone you later recovered) and we have not been able to charge your card for its value, we will not approve any subsequent claim until you have returned the phone or paid the outstanding amount.

You must also comply with our reasonable instructions, such as disabling any app which prevents access to our removal of data from your damaged or faulty phone.

E. Cancelling your cover

You can cancel within the first 28 days and (if you haven't made a claim) we'll refund any premium paid. Otherwise, you can cancel at any time and cover will finish at the end of the paid-for period. If you choose insurance again when you upgrade your phone with Virgin Media, we'll cancel cover on your old phone and send you another welcome pack confirming your cover start date, premium and excess fee for the new phone.

We'll cancel your policy immediately if you fail to pay the monthly premium, have two successful claims in any 12-month period, upgrade your phone or cancel your contract with Virgin Media. We may also cancel your policy by providing you with 30 days' notice, sent to the current contact details we have for you.

F. How to complain

To make a complaint , you can call or email us (0345 030 3291 or, 8am-9pm Monday to Friday and 9am - 6pm weekends, closed Bank Holidays) or write to us at PO Box 71012, London W4 9FW. If we can't resolve your complaint right away, we'll email or write to you within five working days to outline our next steps. If it's still not resolved within two weeks, we'll contact you again to keep you up to speed on what's happening.

If you're not happy with the outcome of your complaint or we haven't given our final response within 8 weeks of you raising your complaint, you can contact The Financial Ombudsman Service at: Exchange Tower, London, E14 9SR. or 0800 023 4567 (Freephone) or 0300 123 9123. You'll need to contact them within six months of receiving our final decision about your complaint. This service is free and we are bound by any decision the Financial Ombudsman reaches. This won't affect your statutory rights or prejudice your right to take subsequent legal proceedings. You can find out more at

G. Who provides this cover

This insurance is administered by Asurion Europe Limited ("Asurion"), which is authorised and regulated by the Financial Conduct Authority (no. 502545), Registered in England and Wales with company number 6568029. Chiswick Place, 272 Gunnersbury Avenue, Chiswick, W4 5QB. The Insurer is Liberty Mutual Insurance Europe Limited, which is authorised by the Prudential Regulation Authority and is regulated by the Financial Conduct Authority and the Prudential Regulation Authority (no. 202205), registered address: 20 Fenchurch Street, London EC3M 3AW. Check the Financial Services Register at or call 0800 111 6768 (Freephone) or 0300 500 8082.

You and we may choose which law will apply to this contract. Unless we agree otherwise, Virgin Media Protect is governed by the law of the part of the United Kingdom that you live in (England and Wales, Scotland or Northern Ireland) and all communication from us will be in English.

We are covered by the Financial Services Compensation Scheme (FSCS). In the unlikely event that we can't meet our liabilities you may be entitled to compensation to a maximum of 90% of the claim under this scheme. Further info can be obtained from the FSCS on 0800 678 1100 or by going to

H. Our use of your personal data

By taking this cover you confirm that you've given us your permission to communicate policy information with you by phone, SMS, email or in writing using your given contact details. In issuing and administering this policy, we will share your personal data with: Virgin Media and other partner companies providing services under this policy to the extent necessary for them to provide those services. Group companies and any third parties who are purchasers of all or part of Virgin Media, the Insurer or Asurion and with Organisations we use to monitor our performance, carry out research, create statistics, prevent or detect crime and other third parties to the extent required or permitted by law.

Whenever your personal information is shared with third parties, it will be done in accordance with all responsibilities under the Data Protection Act 1998. This includes, for example, putting in place appropriate written terms to protect your personal information and ensuring any export of your personal information outside the European Economic Area is lawful in accordance with the Act. We will only use the personal information given by you to confirm your identity, administer your policy, contact you about your policy, process claims, carry out internal record-keeping, record claims details on relevant databases and registers for fraud detection purposes and contact the police to check any crime reference number you give us.

Asurion is registered with the Information Commissioners Office as a Data Controller (number Z2176995). By providing personal data to us (i.e. information which can identify you and relates to you, whether by itself or when used in conjunction with other information e.g. your name, policy number, telephone number and other contact details), we will assume that you consent to this type of information being collected and used in the ways described above (subject to the requirements of the Data Protection Act 1998) including for example for fraud prevention purposes and other requirements imposed by law or regulation. You have the right to see and correct any personal information held about you. A £10 administration fee may be charged for this. If you wish to see your personal information or ask any questions about our use of your data, please contact us.

Your data may be transferred outside the European Economic Area (EEA) for the above purposes. If that happens, we'll make sure it's treated with the same level of protection as in the EEA. If you give us personal information about someone else, you are responsible for having their permission to do so and for telling them who we are and what their information will be used for. We will never sell or transfer your personal data to a third party unless we have your prior written consent, subject to the above and in accordance with the Data Protection Act 1998.

I. Changes to the policy

We may alter the premium or the excess for future periods of cover due to the overall cost of claims exceeding our reasonable estimate and we may alter the terms of the policy or cancel the policy based on our claims experience or for any other good reason. If we make any change that improves your cover , we'll apply it straight away without notice. If we make a change that increases any charges or reduces your cover , we'll give you at least 30 days' notice sent to the current contact details we have for you and you will be able to cancel your Policy if you are not happy with our changes.

0345 030 3291 is open 8am-9pm Monday to Friday, 9am-6pm at weekends (closed Bank Holidays). Calls to 03 numbers cost the same as UK landlines starting 01 and 02. Calls from landlines and mobiles are included in free or inclusive calls packages. Details correct at time of print.

*Please note standard charges apply, please check with your network operator for rates.

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