Get Max. Get worldwide phone insurance.

Upgrade to Monzo Max and protect your phone from loss, theft and accidental damage, including cracked screens. With £75 excess.

Provided by Assurant.

Get Monzo Max

From £17 per month. Add your family for £5 extra a month. UK residents aged 18-69 • Ts&Cs apply • 3 month minimum

A bank account with phone insurance? Sounds like a plan.

Your mobile phone

For phones worth up to £2,000 (including VAT). Includes £75 excess for successful claims. Cosmetic damage like scratches and dents are not covered. Exclusions apply.

Your accessories

Cover for accessories, like headphones, charges and cases, up to a maximum value of £300 per claim if they’re lost, stolen or damaged at the same time as the phone.

Cover for unauthorised network charges

Cover for unauthorised network charges (for things like calls and data) up to a maximum of £1,000 per claim.

Worldwide cover

Your phone’s covered worldwide. Replacement phones can only be delivered to a UK address.

Our insurance provider

Assurant partner with leading industry brands to keep devices like mobile phones, tablets and laptops running smoothly for consumers worldwide.

Family cover available

Add family members to your phone insurance, travel insurance and breakdown cover for an extra £5 a month. Exclusions apply.

Important: You must take reasonable care of your phone. You can make 2 claims in any 12 months, and 4 if you have chosen Max Family. You can read the Terms and Conditions and Insurance Product Information Document for full details of what is and isn't covered with Monzo Max.

For Monzo Max with Family add-on: Phone Terms and Conditions and Insurance Product Information Document.

Travel insurance provided by Zurich, powered by Qover. Phone insurance provided by Assurant. Breakdown cover provided by RAC. Exclusions apply.

Flexible repair or replacement options that fit your schedule

Collect and repair

Get your damaged phone picked up directly from your doorstep and taken for repair. You’ll need to pay a £50 fee on top of the £75 excess for a successful claim.

Same day replacement

If your lost or stolen phone claim is approved by 1pm, you may be able to get a refurbished replacement the same day. You’ll need to pay a £50 fee on top of the £75 excess for a successful claim.

DPD drop off at 3,000 locations

Drop your phone off at one of 3,000 DPD points across the UK for free. You’ll need to pay the £75 excess for a successful claim.

Alternative options

Mail-in your damaged device or visit a local Pocket Geek store, where available. You’ll need to pay the £75 excess for a successful claim.

Limitations and exclusions apply. For full details of what is and isn't covered, check the Terms and Conditions and Insurance Product Information Document. You’ll need to pay the £75 excess for a successful claim no matter which method you choose.

What Assurant mean by ‘family’

When we say ‘family member’ we mean your partner or spouse living permanently at the same address, or a dependent child. A dependent child is one who is under the age of 20 or under 22 if in full-time education.

Ts&Cs apply.

Making a claim

You can submit a claim through Assurant’s online web portal in several steps, or over the phone. You can also find your policy details in the Monzo app.

Can’t access the Monzo app? Find your policy details in the email we sent you when you signed up for Monzo Max.

Make a claim

General conditions

There are conditions you need to meet for the cover to apply. These are some of the main ones, but for a full list please read the Terms and Conditions. Assurant’s privacy policy can be found here.

Any incident where you have knowingly put your mobile phone at risk or not taken care of it. See the ‘What you are NOT covered for’ section of the Policy Document for examples.
The mobile phone must be owned by the account holder
You can make up to 2 successful claims per account holder in any 12 month period and up to 4 claims for you or your family members in any 12 month period if on Monzo Max with Family add-on.

Questions? Answers

Is Monzo Max a bank account with mobile phone insurance?

Monzo Max is an upgrade to your current account, with mobile phone insurance provided by Assurant, plus travel and breakdown cover for just one monthly fee of £17. You can also add your family for £22 a month.

UK residents aged 18-69. Ts&Cs apply. 3 month minimum.

What does the mobile phone insurance cover?

You’re protected for theft, loss, and accidental damage, even cracked screens, anywhere in the world. Cosmetic damage like scratches or dents are excluded. Exclusions apply.

Is there an excess or claim limit on phone insurance?

There’s a £75 excess per approved claim, and you can make up to two successful claims per year.

Can I add my family to the insurance?

You can add your family to Max for £5 more each month. They’ll get phone, travel and breakdown cover too. Cover goes up to a value of £2,000 for you and all family members.

Do I get gadget insurance with Monzo Max?

Yes, your phone and its accessories are covered up to £2,000 for damage, loss or theft. This limit is for you and all family members included on the insurance. See the Ts&Cs for more details.

What’s the difference between Monzo Max and other bank accounts with mobile insurance?

Monzo Max is fully managed in-app from claims to cover details with no lengthy paperwork.

How do I make an insurance claim?

Just open the Monzo app, go to ‘Monzo Max’, head to ‘Insurance’ and then ‘Make a claim’, and follow the steps. Claims should be made within 30 days. The phone number to make a claim is +44 (0) 330 156 6696