Smartwatch Insurance

Choose fuss-free smartwatch insurance cover

With O2 Insure, you can relax

Taking your music on a run without your phone weighing you down. Getting important notifications delivered straight to your wrist. Or just checking the time.

However you use your smartwatch, you'll know how odd it feels when it's missing. Luckily, if yours is lost, stolen or damaged, you won't have to be without it for long when it's protected with O2 Insure. So you'll be back up and running (or just checking the time) before you know it.

Both our Full Cover and Damage Cover options include:

Worldwide cover
Unlimited claims

You can make a claim using our O2 Insure online claims portal, or by contacting us.

O2 Insure - Damage Cover

Whether it's an accidental soaking or a bash to the screen, our Damage Cover policy is for life's little accidents.

If you want to cover your smartwatch against accidental damage, and you don’t have suitable cover under another policy, this is the policy for you.

Learn more about Damage Cover

O2 Insure - Full Cover

With our Full Cover policy, you're covered if your smartwatch somehow hops off your wrist, takes a knock to the screen or gets lifted from a locker.

If you want to cover your smartwatch against theft, loss and accidental damage, and you don’t have suitable cover under another policy, our Full Cover policy is for you.

Learn more about Full Cover

How do I purchase O2 smartwatch insurance?

First, check out our different smartwatch insurance plan options and prices above – and find the level of cover that's right for you.

Once you've decided, you can add O2 Insure as soon as you've chosen your tariff and before you complete your order. Otherwise, you can ask in one of our stores or give us a call.

It's also possible to add insurance within 28 days after your purchase, but you’ll need to visit one of our stores to confirm the condition of your device.

How do I make a smartwatch insurance claim?

Has your device been put out of action by theft, damage or accidental loss? We know how stressful that can be – especially if your device is really important to you. That's why we've made it easy for you to tell us about any insurance claim by making an online O2 Insure claim.

All you need to do is sign in and submit details of your claim. It'll be handled entirely online – seamless and convenient. If you need more help or would prefer to speak to an adviser, you can always get in touch.

> Make a claim

What else do I need to know?

We cover mobile phones and connected devices sold by O2. O2 Insure is only available to customers who are UK resident and over 18.

For full details of what you are covered for and any exclusions that may apply please read the terms and conditions of your O2 Insure policy. Replacement devices may be from refurbished stock that has been tested and is fully functional.

You can cancel within 14 days of receiving your policy documents and and you won't be charged as long as you haven't claimed. After this period you may cancel by giving 30 days’ notice. O2 Insure is underwritten by Telefónica Insurance UK Branch.

FAQS

Do I need smartwatch insurance?

Smartwatches are incredibly useful, but can be expensive. That's why it can be worth taking out a smartwatch insurance plan. With the level of cover that's right for you, get peace of mind knowing that you can get a replacement fast if the worst happens.

Why choose O2 Insure?

Low cost, full coverage: that's what O2 Insure can offer you. But what makes our smartwatch insurance a great fit for you and your lifestyle?

• A choice of cover: We don't do one-size-fits-all tablet insurance – choose the best policy option for you.

• Next-day replacement: Our fast-fix exchange service means you can get a new smartwatch in just 24 hours*.

• Worldwide coverage: You'll be protected from loss, theft and damage no matter where in the world you are.

• Online Claims Portal: Need to make a claim? Simply log on and do it all online – no need to give us a call.

* Next-day exchange or replacement applies to valid claims made before 7pm on a weekday. Excludes Sundays and public holidays. Not available in Northern Ireland or selected postcodes in Scotland, the Highlands, Guernsey, Isle of Man, or the Scilly Isles.

What does smartwatch insurance cover?

It doesn't matter which smartwatch insurance plan you pick. All O2 Insure policyholders benefit from the following as standard:

• Worldwide coverage

• Up to £300 for any O2 accessories

• Unlimited claims

Do I need smartwatch insurance if I have a warranty?

A manufacturer's warranty is a great bit of protection you get with any new smartwatch purchase. If your device develops a fault or a defect that isn't your fault, you could be able to claim a replacement direct from the manufacturer.

But your warranty won't cover accidental damage, loss or theft. That's why you might want to consider options to insure your smartwatch.

What does smartwatch insurance cost?

For O2 Insure - Damage Cover and O2 Insure - Full Cover, the replacement cost of your device determines the monthly premium and the excess charge payable if you make a successful claim. We’ll tell you which is the right price when you buy your smartwatch or speak to an adviser.

What excesses apply to smartwatch insurance?

An excess charge applies when you make a successful claim. The amount of the excess depends on your monthly premium.

O2 Insure - Damage Cover

Monthly premium	Excess charge
£2	£25
£3	£30
£4	£40

O2 Insure - Full Cover

Monthly premium	Excess for damage	Excess for accidental loss or theft
£4	£25	£40
£5	£30	£50
£6	£40	£60

Can I add O2 Insure cover after I’ve bought my smartwatch?

You can add smartwatch insurance once you’ve chosen your tariff before you complete your order. Or ask in-store, or contact us.

It's also possible to add insurance within 28 days after your purchase, but you’ll need to visit one of our stores to confirm the condition of your device.

Where can I find my T&Cs and policy documents?

O2 Insure current policy wording

Damage cover policy wording

Full cover policy wording

Ultimate cover policy wording

Insurance Product Information Documents (IPID)

Damage cover IPID

Full cover IPID

Ultimate cover policy wording

Information about our insurance services

Our insurance services

Who are your insurers?

O2 insure is underwritten by Telefónica Insurance UK Branch, 120 New Cavendish Street, London, W1W 6XX, registered in UK No.FC029774, whose main business is general insurance. Telefónica Insurance UK Branch is authorised and regulated by Dirección General de Seguros y Fondos de Pensiones in Spain and regulated by the Financial Conduct Authority for the conduct of UK business and limited regulation by the Prudential Regulation Authority.

How do I cancel O2 smartwatch coverage?

Unless the policy is free, you can cancel it within 14 days of receiving your policy documents, and you won’t be charged as long as you haven’t claimed. After this period, you can cancel the policy by giving 30 days’ notice. You may have to pay a premium for the time you were covered by the insurance. Please refer to the full terms, conditions and exclusions of your O2 Insure policy.

Looking to insure something else?

Telefónica UK Limited is authorised and regulated by the Financial Conduct Authority (Reference Number 718822). O2 Insure must be taken within 28 days of purchasing a device. Terms apply, visit o2.co.uk/terms.