Policy Details

Need to know some of the policy details before you buy? Here are some of our frequently asked questions: 

What do you cover? 

We cover any device valued at over £250 against theft, loss, accidental damage and mechanical breakdown. 

Does my device have to be under 1 year old?

No, we cover mobile phones up to 3 years old and laptops up to 5 years old.

How do you carry out your repairs and replacements?

We have partnerships with Apple® and Amazon® to help us deliver on our promise of same-day resolution.

Is there an excess fee for claims?

There is a £25 excess for repair and a £50 excess for replacement.

If my device is stolen, do you require a police report?

Yes, we would need a crime reference number in order to process the claim.

What kind of accidental damage do you cover?

We cover damage that affects the functionality of the device, but we cannot cover normal wear and tear.

Am I covered when abroad?

Yes, we offer you the same level or service whilst you’re abroad for up to 90 days per year.

Do I need to provide proof of purchase?

Yes, we require proof of purchase. This can be submitted after you buy your policy, but we must have received this information in order to process a claim. If you do not have a receipt we can work with you to find suitable proof of purchase.

Do you cover refurbished or second-hand devices?

Yes, as long as you can provide proof of purchase.

How do you calculate the cost of my policy?

The cost will depend on the overall value of the items you are trying to insure. We have the majority of devices listed in our inventory, and value is assessed taking into account the depreciation of the item.

Do I have to live in the UK?

Yes, unfortunately we can currently only provide InMyBag to UK residents. 


In My Bag Ltd is an Appointed Representative of Let Insurance Services Ltd, an independent intermediary authorised and regulated by the Financial Conduct Authority. The company is entered on the FCA register (www.fca.org.uk/register) under reference 474985. Let Insurance Services Limited is registered in England and Wales Registration No. 06413754. The registered office is at 8 Axon, Commerce Road, Lynch Wood, Peterborough, PE2 6LR.

Your policy is underwritten by EC Insurance Company Limited (ECIC). ECIC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. ECIC is entered on the FCA register under reference number 202123.

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