For a mobile phone to be covered, your client will need to provide evidence (a receipt) that they've suffered a loss.

If, under the terms of your client's mobile phone contract, their mobile is replaced free of charge, then this would mean that they haven't suffered a loss as the phone will be replaced with no extra cost to them. If your client's phone needed to be replaced and this would be at a cost to them, then they should be able to claim for this as they've suffered a loss.

Mobile phones are covered as standard for contents and can also be covered under personal possessions if your client has selected this option of cover. Mobile phones insured under personal possessions are covered up to £250 unless specified on the certificate.

Please note that mobile phones are excluded under the optional accidental damage cover that's available under certain policies. Please check your client's cover limitations and exclusions. However, if your client has personal possessions cover, accidental damage claims will be considered under this element of cover.

For all Home Insurance policies on PNL/PS/019 terms & conditions

If your clients policy has been taken out or renewed after 18 February 2024, we have changed the limit for specifying mobile phones to £2,500.

This means they will only need to specify mobile phones on their policy certificate if they're worth more than £2,500. Mobile phones that are worth less than £2,500 can be covered by including unspecified personal possessions cover.