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For every claim you make there is a £25 excess fee payable.

Some insurers will charge you an additional excesses fee if you make a claim abroad, claim within the first month or have multiple claims within the same policy period. At Devicelife we keep things fair and simple, and charge the same flat rate depending on the value of your gadget.

Frequently asked questions


Under what circumstances do I need to pay an excess?

If you make a successful claim on your insurance policy you will need to pay the relevant excess fee before your phone can be repaired or replaced. We will provide full details if and when you need to pay an excess.

Why do I need to pay an excess?

Having an excess charge on successful claims helps us to keep our premiums as low as possible, and makes our policies far more cost effective for more careful customers who don't often claim on their insurance.