Eligibility and overview of cover
As an HSBC Insurance Aspects holder your mobile phone is covered against loss, theft, breakdown (outside of warranty) or accidental damage up to a claim limit of £1,500 (less a £75 excess).
Details of the benefits and exclusions are below, we recommend you review your policy details in full, which are available in your policy booklet (PDF, 141KB).
Benefits:
- Worldwide coverage
- Theft, loss, breakdown (outside of warranty) and accidental damage cover
- Unauthorised use cover if your phone is lost or stolen
- Your mobile phone will be replaced with a refurbished model up to the value of £1,500. 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 £75 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
- 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.