Mobile Insurance

Worry free insurance

Lost your phone down the loo? Left it on a bus? There are loads of things your phone needs protecting against. That’s why if you're on our Starter, Essential, Premiere, Premiere 08, or VIP tariffs we'll give you worry free insurance worth up to £11.99 a month, at no extra cost.

You'll get worldwide protection against:



Guaranteed next day delivery or £5 for each day's delay**


Accidental damage


Claim online 24/7


Water and liquid damage


Save your phone contacts


Out of warranty breakdown


International delivery




Lock a missing phone


Malicious damage


Sound a siren on a missing phone


Pet damage


Loan to a family member


*Only if our free Mobile Rescue app is installed on your phone (assuming your phone is compatible). Terms apply. ** Claims need to be completed before 6pm from Sunday to Friday only.

Mobile Rescue App

Lost your phone? Don’t lose hope. Our handy Mobile Rescue app does everything it can to get your mobile back, or make sure that no one else can use it. And you don’t have to worry because it comes included with your insurance.

  • Remotely lock your phone by text from another phone or online
  • Text your missing phone to set off an alarm
  • Automatically lock the phone, even if the original SIM is replaced
  • Track down the location of your phone online or with another smartphone
  • Back up all your contacts online and load them onto your new phone

Whats not included?

  • The excess fee is between £70 and £150 claim excess fee depending on which handset you have, find out here.
  • The £20 international delivery charge, plus all associated customs fees
  • Any third claim made within 12 months of your first settled claim
  • Any loss or theft after 14 days, unless the free Mobile Rescue app is installed on your phone
  • Any phone left unattended, unless it’s locked securely out of sight
  • Any phone left on the bonnet, boot or roof of a vehicle
  • Unauthorised calls made on your account (but remember, Mobile Rescue means you can lock your phone)

You can read the full details of what's included in the insurance terms & conditions.

Who can get insurance?

Any Pay Monthly customer who's buying a Virgin Mobile phone. Unfortunately, we no longer offer insurance for Pay As You Go phones or Mobile Broadband modems.

Insurance FAQs

How much does it cost?
The great news is that if you're a Virgin Media customer, insurance is included for no extra charge. If you're not a Virgin Media customer, it can cost up to £11.99 a month.
How do I get it?
When you're buying your phone online, your insurance will be added to your basket automatically. If you’re sure you don’t need it, you can remove it. But remember, you can’t add it again later, so now's the time to grab it. If insurance is included in your tariff and you decide to remove it, you won’t get any discount on your monthly tariff.
How much is the excess?
Once we've accepted your claim, you'll need to pay an excess fee of £70 or £150 depending on your mobile.
Find out what your excess fee would be here.
My phone's been lost or stolen, what do I do?
Don’t worry, we’re here to help. See our lost and stolen help.
I've damaged my phone, how do I make a claim?

If you bought your insurance on or after 5th July 2010 click here to make a claim.

If you bought your insurance before 5th July 2010, call our previous insurance provider, Lifestyle Services Group Limited on 0845 070 5558.

I've lost my policy booklet, how can I get a copy?

If you bought your insurance after 11th June click here to download a copy of your policy document.

If you bought your insurance before 5th July 2010, call our previous insurance provider, Lifestyle Services Group Limited on 0845 070 5558.

What insurance company do you use?
Mobile insurance with Virgin Media is arranged and administered by NEWAsurion Europe Limited, an authorised and regulated insurance intermediary with the UK Financial Conduct Authority (no. 502545) with Liberty Mutual Insurance Europe Limited, an authorised and regulated insurer with the UK Financial Conduct Authority (no. 202205). If you decide to buy mobile insurance with Virgin Media, we’ll pass your details to NEWAsurion Europe Limited, so that they can set up your policy.

Got Virgin Broadband, TV or home phone? Then we’ll throw in your insurance at no extra cost for the whole time you’re with us. Get the low down.

We use EE, the UK’s largest mobile network, so you can enjoy clear reception almost anywhere.
Check your signal strength.

Need more minutes, data or texts? Or less? No problem. Change your tariff up or down as often as you like with just 30 days’ notice.

Got your mobile number memorised to a tee? We can transfer your numberto your new phone in one working day. Just call your current provider and get your PAC code, then call us free on 789 from your new mobile.

Got a problem with your phone? Don’t sweat it. As long as you’re in warranty we should be able to repair your device or replace it free of charge. All our mobiles come with a 24 month warranty and ‘as new’ mobiles and iPhone have a 12 month warranty. See what's covered.

Can’t wait to get your phone?  We’ll courier it to you the next day for free if you order by 7pm. Or cherry pick a delivery date in the next 21 days.
We deliver every day but Sunday, with no charge for Saturday delivery.

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