Eligibility and overview of cover

As an HSBC Insurance Aspects holder your mobile phone is covered against loss, theft or accidental damage up to a claim limit of £1,000 less a £50 excess.

Details of the benefits and exclusions are below, we recommend you review your policy details in full, which are available here (PDF).

Benefits:

• Worldwide coverage
• Theft, loss and accidental damage cover
• Unauthorised use cover if your phone is lost or stolen
• If required, a temporary phone with basic call/SMS messaging can be provided while your phone is being repaired
• For loss or theft claims your mobile phone will be replaced with a refurbished model up to the value of £1,000.  We’ll always try to provide you with the same make and model of phone, although it might be a different colour.  In the unlikely event that we don’t have your phone in stock, we’ll offer you an alternative phone. 

What's not covered:

• You will need to pay an excess of £50 towards each successful claim
• There is no cover for any phone if the circumstances suggest the person insured deliberately put the phone at risk
• We will not cover theft from an unattended vehicle unless the vehicle was locked and the phone concealed from view
• There is no cover for mechanical or electrical breakdown unless caused by sudden and unexpected damage that affects how your phone works
• We will not cover information stored on the phone such as photos, data, apps and music and/or the recompilation, reinstallation or retrieval of data

See policy terms for full list if what is not covered.