What excess and charges apply to my insurance policy?

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Excess for all EE Insurance Policies

Excess for all EE Insurance Policies

As with most insurance policies, if you make a successful claim you’ll be charged an excess as a contribution towards the cost of the repair or replacement device. The amount depends on which band your device falls into on the date you purchased insurance.

To ensure we continue to offer all our customers the best possible cover and service we regularly review excess amounts. If we make a change to your excess, we will give you 30 days notice.

Find out your excess

<p>Enter your device to see which band you're in and how much your excess will be.</p>

If you are unsure what insurance product you have, visit your My EE account to check your confirmation of insurance cover, view your policy information, terms and conditions and your Airtime Plan bill.

Alternatively, you can:


    text COVER to 150


    call 150 from your EE phone


    or call 07953 966 250 from any other phone

Extra benefits

Extra benefits

Full Cover and Damage Cover includes a number of non-insurance benefits.

You are entitled to a next-day replacement should your registered device be diagnosed with a fault during the first 24 months of its life.

For a £50 fee, we will arrange for a courier to visit you to exchange the faulty device for a refurbished replacement. This fee will be added to your next Airtime Plan bill. This service is not available to SIM Only customers or to Apple customers within the first 12 months of your Airtime Plan contract.

If we have collected and replaced your device and discover the old device was not faulty (e.g. if it has been damaged), we may charge you for the cost of the replacement device and may remove the Full Cover or Damage Cover from your Airtime Plan contract.

Extra charges

Extra charges

Missed delivery charge

We do not currently pass on any charges to our customers for missed deliveries.

Missed your insurance replacement delivery?

> Find out how to rearrange delivery

Failed delivery charges where the security features haven't been disabled

If you have an Apple device, and don’t unlink your iCloud account or deactivate Find My you may see a charge on your next EE bill.  This cost will depend on the market replacement of the device. But we'll tell you the amount of that charge when we contact you. 

> Find out how to deactivate Find My

> Find out how to manage your devices on iCloud settings

Fraudulent claims

If you have made a fraudulent claim, we will endeavour to recover the device and any costs associated with its recovery. In addition, if you fraudulently provide us with false information, statements or documents, we will record this on anti-fraud databases and may also notify other organisations.

We may choose not to offer cover in the future to you or anyone connected with you if we suspect fraudulent activity on this or any other associated insurance policy.



The insurance element of Full Cover and Damage Cover is underwritten by Chubb European Group SE. See T&Cs for more details. Other benefits of Full Cover and Damage Cover will be provided by EE and further terms apply. For more information visit ee.co.uk/insuranceterms if you are a consumer or ee.co.uk/businessterms if you are a small business customer.

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