Loops: The all around insurance specialist

What do our policies cover?
Let’s get down to the nitty gritty…

Like other insurers, there are certain things we can’t cover.

Unlike other insurers, we’re totally upfront about that.

Scroll down for a summary of what we can and cannot cover. It’s all pretty straightforward stuff – but worth knowing. Or take a look at our full Policy Wording for the official exclusions and limitations of our mobile phone and gadget insurance.

Take a look at our Policy Wording

We can cover…

  • Accidental damage
  • Theft
  • The cost of any fraudulent calls made after your phone has been lost or stolen up to £10,000
  • Accidental Loss
  • Malicious damage by a third party
  • Breakdown
  • Liquid damage
  • £150 Accessory Cover
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We can’t cover…


  • The first 14 days after you purchase your policy if your phone is more than 60 days old (phones that are less than 60 days old are covered as soon as you purchase your policy)
  • Phones that are more than one year old – unless that device is already insured with us
  • Claims where you haven’t notified us of an incident within 48 hours – see our advice on making a successful claim
  • Phones that were purchased second hand or through a private sale
  • Phones that were purchased outside the UK
  • Phones that have already been repaired with non-manufacturer parts before taking out a policy with us
  • Claims for phones that are not in use
  • Phones where you don’t have a record of the IMEI or Serial Number
  • Loss or damage caused by you deliberately neglecting your device
  • Damage caused by non-manufacturer approved accessories
  • Loss or damage caused by routine servicing (the business servicing the phone is responsible for reimbursing you)
  • Damage caused by not following the manufacturer’s instructions
  • Repairs that haven’t been pre-agreed by us
  • General wear and tear and cosmetic damage that doesn’t impact performance
  • Phones that are already damaged
  • Expenses you incur as a result of not being able to use your device
  • Your data
  • Accidental loss where you are unable to identify the rough time and place of the loss
Take a look at our Policy Wording

Why choose Loops?

Loops is here to make phone insurance fairer, friendlier and more affordable. Our brand is new to the market, but our strings are pulled by a small group of enthusiastic insurance experts who have been working in the industry for over 30 years. Now we are using our experience and established connections to make insurance better for everyone.

Find out how
Payment options:We take Visa and Mastercard

Loops is a trading name of Rothwell & Towler Ltd which is an Appointed Representative of Crispin Speers & Partners Ltd who are Authorised and Regulated by the Financial Conduct Authority (FCA). Register number 311507. Rothwell & Towler Ltd, Registered in England No. 08294942. Registered Office: St Clare House, 30-33 Minories, London, EC3N 1PE.© 2021 Loops Insurance