The phone insurance that protects your beloved smartphone

The phone insurance that protects your beloved smartphone

Insure your smartphone against theft and breakage from €4.99/month.

Check the price for your smartphone.

But why insure your smartphone?

Although smartphone insurance is not mandatory, it is highly recommended to protect mobile phones, which are becoming increasingly expensive. It allows you to have your mobile phone repaired or replaced, free of charge.

Avoiding breakage

Mobile phones are becoming increasingly fragile, and they really can't take a fall. With mobile phone insurance, you won't have to worry about repairs.

Don't worry about phone theft

In France, a smartphone is stolen every 4 minutes! At a café, in the metro, or simply on the street, pickpockets are active and on the lookout. Smartphone insurance allows you to receive a new phone in the blink of an eye.

Avoiding unexpected expenses

When you know that repairing a smartphone screen costs between €100 and €400, depending on the model, it is wise to cover your bases. With Lovys phone insurance the repairs are covered. Your banker will thank you.

3 good reasons to choose Lovys

A large network of technicians

Around 800 technicians and 250 repair shops are available if you have a problem.

Fair & honest prices

You've already paid a lot of money for your smartphone, why should your insurance be expensive?

Digital insurance

Subscription, cancellation, making a claim... everything is done online and in a few clicks.

The guarantees of our mobile phone insurance

Broken screen

About 138,264 smartphone screens are broken every day! And 65% of people will never get it fixed! But a broken screen lets moisture in and therefore increases the risk that your precious will burn out.

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No less than 20% of the claims reported to Lovys are for theft. Our phone theft insurance allows you to receive another smartphone quickly. And this is true regardless of the type of theft (snatch and grab, break-in, etc.).

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Total or partial breakage

A selfie stick to which your smartphone is not properly attached, a fall from your balcony, or a phone that crashes to the ground at a party... So many things can happen in the life of a smartphone, which is why you are insured in all cases.

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Oxidation & moisture

You don't need to be told that, like cats, phones don't like water. Exposure to too much moisture, for example from steam in your bathroom, can cause your phone to malfunction.

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Short circuit

A faulty charger or plug can be your phone's undoing. This guarantee protects you in the event of a short-circuit that makes your mobile phone unusable.

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Water damage

Very few mobile phones are waterproof. And so, a lot of them suffer from water-related accidents.

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All about Lovys smartphone insurance

Why insure your smartphone?

Let's face it, your phone is your whole life - we get it. It holds lots of your memories, your precious contacts, it holds all your favourite apps, and even important documents. In short, if it is broken or stolen, your whole world is in danger of collapsing.

So when you know that a smartphone is stolen every 4 minutes and 5,761 screens break every hour, it's worth finding the best phone insurance. If it can be repaired, it will be repaired as soon as possible, and you will not lose anything on it. On the other hand, if it is completely broken, a new smartphone will be sent to you. Here again, we'll do this a fast as possible so that your life can get back on track.

Which phones can be insured?

At Lovys, we insure all brands of smartphones. From Apple to Fairphone, and even Blackberry (RIP). However, we are only able to insure phones that are less than 3 years old and have a purchase price of €2,500 or less.

The make and model of your device directly affects the price of your smartphone insurance. The more expensive your phone is, the more expensive your insurance will be. Why? Simply because replacing or repairing your mobile will be expensive.

  • iPhone insurance

Insuring your iPhone is a wise decision because, as well as being ultra fragile, they are also the number one target for smartphone theft, especially the new models. At Lovys, insuring your iPhone 13 costs €13.99/month, and protects it from breakage, theft, and water damage.

  • Insuring your Samsung

Samsung smartphones are the best selling in the world, accounting for 23% of global sales! Just as fragile as their number one competitor's models, insuring your Samsung costs the same as insuring your iPhone. In fact, the price to insure the Samsung Galaxy S21+ is also €13.99/month.

  • Insurance for Nokia phones

Known for being indestructible, the 3310 has unfortunately not passed on this trait to its descendants. That's why insuring your Nokia can help you avoid disappointment. Nokia Smartphone Insurance reimburses you in case of breakage or theft. For a Nokia 9 Pureview the price is €5.99/month. Always without obligation.

  • Insuring your Huawei phone

With sales falling by more than 80% by 2021, Huawei is going through a difficult period. All the same, it is still very present in France and the manufacturer sold 1.3 million smartphones in France in 2020. Insuring your Huawei P40 Pro+ with Lovys will cost you €10.99/month.

How can I get a quote for mobile phone insurance?

It's easy! Simply enter the make and model of your phone and the price of your smartphone insurance will appear by magic. You will then have access to the information document for this insurance and can sign your contract.

Please note that our telephone insurance needs to be activated! To do this, download the Lovys app and follow the steps indicated. If you have any questions, our team is available on the chat!

How to activate your Lovys smartphone insurance?

Once you have signed your contract and created your Lovys account, we will ask you to download the Lovys application. You will find your contract in the app and, most important, you will be able to activate your smartphone insurance.

This is a crucial step and without this, we cannot protect your phone. Why? This is because it lets us see the condition of your smartphone at the time of your subscription. In fact, telephone insurance fraud is widespread! You'd be surprised how many people try to get reimbursed for the breakage of a phone that is totally different from the one they insured.

There are three parts to activating your insurance:

  • A request for your IMEI number (the identifier for your phone)

  • Checking your screen - you'll need to swipe your finger to see a photo

  • An analysis of the general condition of your smartphone - we will ask you to film both sides of it (tip: use a mirror)

Once this step has been completed, we will activate your insurance in just a few minutes!

When does the cover start and end?

Your Lovys phone insurance will take effect after activation and after the 15 days grace period ends. Not before. This step is essential, as it allows us to assess the general condition of your mobile. As for the end of your contract, it is up to you! All our insurance policies are without commitment. This means that you can cancel at any time, in a few clicks, directly from your customer area.

What should I do if my phone breaks?

  • Partial breakage

If dropped, the screen usually cracks. This is normal, as it is the most fragile part of your device. But sometimes the buttons are also damaged. In any case, thanks to our breakage insurance for your phone, the repair costs will be covered if the damage prevents you from using your device.

  • Total breakage

A total breakage occurs when your phone becomes unusable as a result of an accident. And above all, irreparable, even by the best of technicians. In this case, once your claim has been declared from your customer area and approved by our teams, we will send you a new smartphone (the same or an equivalent).

How to make a claim (theft, breakage, water damage, etc.)?

If your phone is still in working order, you can make your claim directly from the Lovys application. Otherwise, you can also access your customer area from your computer. You can also send us an email with the details of your claim to In any case, it will only take you a few minutes.

  • If the phone is stolen

We will then need proof that you have filed a complaint with the gendarmerie or police station and proof that your SIM card has been blocked. You can send us these documents directly from your customer area. Please note that you only have three days to report the theft of your phone.

  • If it is a total or partial breakage

A video of your phone will then be required to validate your claim. Again, you can send it to us via your customer area. If you are unable to do this, we will ask you to send your smartphone to our repair partner so that they can examine and repair it if possible. The shipping is of course at our expense and not yours.

  • If it is a question of oxidation, short-circuit or water damage

You have five days to report your claim from your customer area so that we can repair or replace your device. When you make your declaration, we will ask you to send us a video of your smartphone, which helps us to assess the damage.

How does a refund or replacement phone work?

Once your claim has been declared and approved by our teams, your phone will either be repaired or renewed. We always give priority to repair if this is possible. Thanks to our extensive network of some 800 technicians throughout France, we will be able to take charge of the repair quickly.

If you don't want to go to a technician, no problem! You can send your phone to our repair centre and we will take care of everything. Lovys, of course, pays for the shipping.

In cases when your mobile phone unfortunately cannot be repaired, for example in case of smartphone theft, we will send you a replacement phone. This new smartphone will be refurbished to the same high standard as the old one. Why refurbished? Because it's better for the planet, quite simply!

You will only be charged the deductible for the repair or replacement of your phone and you will not have to pay anything in advance!

Is there a waiting period?

Yes, there’s a 15 days grace period. Only after this will you be able to enjoy the guarantees of your smartphone insurance. Please note that you have to activate your smartphone insurance in order to benefit from your guarantees. How? Start by downloading the Lovys app, the steps will be clearly explained to you.

Is my smartphone insured abroad?

Travel with peace of mind, your smartphone is protected worldwide with Lovys! The only condition? That your main residence is in France. In the event of a problem, your phone will be repaired in France and a replacement mobile phone sent to you.

Can I take out smartphone insurance for my child? For someone else?

  • Subscribing for your child

As the legal guardian of your child, you have every right to take out telephone insurance for him or her. You can do this until they come of age. To subscribe in your child's place, you just need to fill in your own details when you sign the contract. Be sure to indicate the make and model of your child's phone, not yours. Then, download the Lovys app on his/her phone and complete the activation.

  • Subscribing for someone else

Your parents, your spouse, or a friend... whoever it is, you can't subscribe for them. To take out our online phone insurance, you must be the owner and user of the phone.

What is the maximum guarantee?

At Lovys there is no guarantee limit, if your smartphone needs to be repaired or replaced, we will cover these expenses. You only have to pay the deductible, which varies between €50 and €90 depending on the model and brand.

I have several IMEI numbers, which one should I choose?

First of all, let's review what an IMEI number is. This is simply the unique identification number of your phone. Think of it as the number plate for your smartphone.

To activate your phone insurance, you will need this as it is essential in order to block your device in case of loss or theft. Where can I find the IMEI number? Simply dial *#06# and the IMEI number will appear on your screen. It can also be found on the purchase invoice of your smartphone.

If you have more than one phone, you have more than one IMEI number. The one you need to tell us is the one that corresponds to the mobile you want to insure, quite simply.

How do I cancel my mobile phone insurance?

Do you want to leave us already? 💔 Good news for you (not so good for us), cancelling your phone insurance is very easy. Go to your customer area and click on terminate. Your Lovys subscription will end immediately.

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