Worldwide mobile phone insurance

Advantage Gold mobile phone insurance looks after your mobile, wherever you are in the world. It covers your registered phone against loss, theft, damage, breakdown and unauthorised calls.

You can even register an iPhone, BlackBerry or PDA. They’re all included up to a maximum original retail value of £1000 for each phone.

• Loss, theft and accidental damage – including water, liquid and malicious damage
• Breakdown cover – if your phone develops an electrical or mechanical fault
• Up to £1000 replacement value – if your mobile is lost or stolen, or can’t be repaired. If your phone is worth more than £1000, you’ll only be covered up to £1000
• Unauthorised calls cover – up to £1,500 for monthly contracts and £100 for pay as you go customers
• Worldwide protection – wherever you are in the world, you’re covered. Repair or replacement will be arranged upon return to the UK
• Accessories up to £200 per claim – that were lost, stolen or damaged at the same time as your phone

If you have an Advantage Gold joint account, both account holders can register their mobiles to benefit from the cover.

• Maximum claims – two claims for each account holder during any 12 month period
• Excess – £25 for the first claim and £50 for the second
• Start date – your cover will begin 14 days after you register your details
• Proof of purchase – you need to provide this for any claim
• Ownership – the phones must be owned by the family of the account holder or account holders
• Claims procedure – you need to follow the process outlined in how to make a claim. This also outlines the amount of time you have to make your claim

• Log in to register your details online
• Log in to amend your details
• Or call us now on 0845 300 3695 (Minicom 0870 523 9670)
• Or visit your local NatWest branch

Your cover will begin 14 days after you register your details.

Lines are open 8am-8pm Monday to Friday and 9am-6pm weekends.

If your phone has been lost, stolen or maliciously damaged then, within the 24 hours following your discovery of the incident, you must:

• Inform the police and get an incident reference number
• Contact your airtime provider to bar your SIM card and to stop any further unauthorised calls being made

You must register your claim within 48 hours of discovering the incident.

If you’re outside the UK at the time of discovering the incident, you must register your claim within 48 hours of return to the UK. Please note we won’t replace your device until you return to the UK.

Call Membership Services on 0845 300 3695. Lines are open 8.00am-8.00pm Monday to Friday and 9.00am-6.00pm at weekends. Have your mobile number to hand when you call.

• Which phones can I cover?
• When does my cover start?
• What do I need to register my phone?
• Can I swap my cover to a new phone?
• Will my phone be replaced on a like for like basis?

Q. Which phones can I cover?

A. The policy covers most types of mobile phone, including the iPhone, BlackBerry phones and other PDAs – up to a maximum original retail cost or value of £1000 per phone. If you are unsure if your phone can be covered, please call 0845 300 3695 (Minicom 0870 523 9670).

The policy covers named account holders on the bank account. Phones are only covered whilst it is being used by you or someone else you have given permission to (an “authorised” user). You also need to register the phone for cover.

Q. When does my cover start?

A. Your cover will start 14 days after you register. You will not be able to make a claim for any incident which occurs within this period.

Q. What do I need to register my phone?

A. You will need to tell us:

• Your name and address
• The mobile phone number(s)
• The make, model, and IMEI number of the mobile phone(s)
• Whether the mobile phone is on a monthly contract or pay-as-you-go
• Your NatWest Advantage Gold account number and sort code
• Your date of birth

Q. Can I swap my cover to a new phone?

A. Yes. Simply tell us if you have changed your phone or SIM card.

The phone and SIM card will be covered 14 days after registration. If you update existing handset or SIM card details cover is effective immediately.

Q. Will my phone be replaced on a like for like basis?

A. We endeavour to repair or replace your phone or offer you the same model, either as new or a refurbishment. If we can't offer the same model, we'll offer a similar specification phone, which may be new or refurbished.

Due to Apple having restricted stock we are unable to supply new or quality refurbished iPhones. If you opt not to accept an alternative phone then we offer a cash settlement equal to the value of a refurbished iPhone. This will be less than the cost of a new iPhone.

iPhone is a trade mark of Apple Inc and BlackBerry is a trade mark of Research In Motion Limited.