Phone insurance: get on-demand coverage with N26

Can’t imagine daily life without your phone? Protect the device you use the most with on-demand N26 Insurance. Sign up for phone insurance online in minutes with zero paperwork, and enjoy total peace of mind with superior coverage for theft, malfunctions, and liquid and accidental damages. Get insured now in your N26 app from only €4.76/month, and cancel at any time.

N26 Phone insurance app screen.

What is phone insurance?

Phone insurance acts like a safety net for unexpected damages to your smartphone. So whether you accidentally spill water on it, crack the screen or it gets stolen, N26 Insurance will save you from paying out-of-pocket to repair or replace your phone. Best of all, you can sign up in minutes from your N26 app, as long as your phone is less than 6 months old. With an easy, 100% digital claims process by our insurance partner simplesurance, you'll be back online and texting your friends in no time.

Enjoy extra peace of mind with N26 Metal

Looking for even more coverage against the unexpected? How about an extensive insurance package that not only includes phone insurance, but also covers travel (including pandemic coverage), winter sports, bike and scooter hires, car rentals, and more?

Our premium N26 Metal and N26 Business Metal bank accounts include up to €1,000 coverage for theft and damages to your phone—even if you didn’t pay for it with an N26 card. Plus, get a metal Mastercard, free withdrawals worldwide, and so much more.

Discover N26 Metal
Image of N26 metal black card and N26 app showing the phone insurance section.

How do I get on-demand phone insurance with N26?

Signing up for on-demand phone insurance with N26 is quick, easy, and fuss-free. Simply open an N26 bank account online in minutes, then head to the ‘Explore’ tab in your N26 app.

Select ‘Smartphone insurance’ under ‘N26 Insurance’ to get a clear overview of what’s covered, without any confusing jargon. Then choose between a monthly or a discounted yearly payment plan, and that’s it! Your N26 Insurance policy will be active from the next day, and you can cancel at any time.

Electronics insurance for laptops, tablets, and smartwatches

Smartphones and other electronic devices such as laptops, tablets, and smartwatches keep us connected on-the-go, but that also means they’re more prone to theft, operating errors, and accidental damages. Keep your worries at bay and protect yourself from unexpected costs with on-demand N26 Insurance for laptop, tablet, and smartwatch, also available from your N26 app. Sign up now from only €4.67/month.

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Electronics insurance.


What does phone insurance cover?

How does N26 Insurance work?

How much does phone insurance cost?

Which smartphones can be insured with on-demand phone insurance?

What if I want to cancel my phone insurance?

How do I claim phone insurance?

What to do when your phone is stolen

What if I can’t find phone insurance in my N26 app?

When will my on-demand insurance policy begin?

What if I sign up for N26 Metal after I’ve purchased on-demand N26 Insurance for smartphones?