Business Mobile Insurance
Cover for the handsets your team depends on, with a loan phone on its way while the claim is still being sorted out.
Request a quoteCover that keeps people working, not just money back
A broken or missing handset is rarely just a hardware problem. For a field engineer, a driver or anyone who runs their diary from their phone, a day or two without a device means missed calls, missed jobs and someone else picking up the slack. Standard insurance settles the claim eventually; what matters to a business is what the person uses in the meantime.
That is why our mobile insurance gets a loan handset to them, usually within 48 hours, so the work carries on while the claim is settled. The damaged device goes for repair or replacement in the background, and the user carries on with a working phone and their number. Add cloud backup and the contacts, messages and files come back onto the loan device rather than being lost with the old one.
What the cover gives you
Policies to match the fleet
Several cover options rather than one fixed policy, so the policy matches the fleet rather than the other way round. Terms are written plainly, with no administration fees and no hidden excess charges.
Loan handset while you claim
Report a loss or breakage and a loan phone is despatched, normally with you inside 48 hours. The user stays contactable on their own number while the repair or replacement is handled, and you get updates as the claim moves.
Cloud backup alongside the policy
Insurance replaces the hardware; backup returns the contents. Pairing the two means contacts, messages and documents restore onto the loan or replacement handset, so the disruption is a courier delay rather than a data loss.
Who we work with
We are independent of any single network or vendor, so the recommendation follows the requirement.
Mobile networks
We are not tied to one network, so the tariff follows the coverage your teams actually need.
Network and vendor names and logos are the trademarks of their respective owners, shown to describe the services SCG Solutions supplies.
What is included
- A choice of policy options to fit the fleet
- Loan handset sent usually inside 48 hours, while the claim runs its course
- Repairs turned round quickly, with progress fed back as the claim moves
- No administration fees
- No hidden excess charges
- One number to chase, rather than a portal that tells you nothing
- Terms written to be read once, not decoded
- Optional cloud backup so data restores to the replacement device
- Cover arranged alongside your EE, O2 or Vodafone airtime and hardware
Business Mobile Insurance — Common Questions
What happens when someone loses or breaks their phone?
You report the claim and a loan handset is despatched, normally reaching you within 48 hours, so the user stays contactable on their own number. The damaged device is repaired or replaced while that is in use, and you are kept updated as the claim progresses.
Are there admin fees or an excess to pay on a claim?
The policies are offered without administration fees and without hidden excess charges, and the terms are written in plain language. Exactly what is covered varies between the policy options, so check the detail of the one you pick before you commit.
Does the insurance cover the data on the handset, and can we insure only some mobiles?
Insurance replaces the hardware; a backup is what brings the data back, which is why we pair it with cloud backup so contacts, messages and files restore onto the loan or replacement handset rather than being lost with the old one. And yes, cover can be applied selectively — it usually makes sense on field and driver handsets and much less on office phones that rarely leave a desk.
More Mobile Solutions
Work out which handsets are worth insuring
Your named local director will go through the device list with you, flag the roles where 48 hours without a phone genuinely costs you, and set the cover accordingly. One person who knows your account, not a claims call queue. Get in touch to start the conversation.