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Loveit Coverit review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Loveit Coverit suits households in the UK who want cheap monthly phone and gadget cover without long commitments. Premiums start at £1.65 a month on a monthly model, and it is an insurer rather than a broker, so cover sits with a named company.

Key facts

Best for
Monthly phone and gadget cover at a low starting price in the UK.
Premium from
£1.65↗
Insurance types
Travel, Gadget↗
Provider type
Insurer↗
Monthly payments
Yes↗
Excess from
£30 to £175↗
Claims channels
Online claim form, Email, Phone↗
Legal entity
Pier Insurance Managed Services Limited↗
Headquarters
United Kingdom↗
Founded
2016↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Monthly
Official website
loveitcoverit.com

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
TrustpilotLinkedInXinstagram.com

Pros and cons

Pros

  • Monthly premiums start at £1.65, well below the site median of €8.31
  • An insurer rather than a broker, so Pier Insurance Managed Services Limited carries the risk
  • Phone and travel cover from one provider, given by travel and gadget
  • Claims can go through online claim form, email and phone

Cons

  • Policy excess runs £30 to £175, so a claim can leave you paying
  • Cover is limited to the types listed in travel and gadget
  • Support runs on email, phone and help centre only
Loveit Coverit

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Scored 9.0 / 10 by SumCue.

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Who it suits

  • UK adults who want one monthly premium for a phone
  • Travellers buying a single-trip policy alongside gadget cover
  • People who prefer an insurer over a broker

Who should look elsewhere

  • Anyone wanting cover beyond travel and gadget types in travel and gadget
  • Claimants who want a policy with no excess, since excesses run £30 to £175

Who runs it

Loveit Coverit is provided by Pier Insurance Managed Services Limited, which is an insurer rather than a broker, based in the United Kingdom and trading since 2016. It holds Financial Conduct Authority registration and separate Prudential Regulation Authority and Financial Conduct Authority authorisation, so both are named regulators you can check. Support runs on email, phone and help centre, which covers an email inbox, a phone line and a help centre.

How Loveit Coverit compares

Where Loveit Coverit is available

Available
Germany, Ireland, United Kingdom
Licence in United Kingdom
Financial Conduct Authority (311798), checked September 26, 2026
Licence in United Kingdom
Prudential Regulation Authority and Financial Conduct Authority (202846), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does phone insurance cost?+

Premiums start at £1.65 a month on a monthly model. That sits below the site median starting premium of €8.31, though the site range runs from €0 to €3,431.08 depending on device and cover.

Do I have to pay a whole year up front?+

No. The listed model is monthly, so cover renews each month and you can stop without a long term. That suits anyone who would rather see the cost monthly than commit to a longer period.

What happens if I need to claim on a broken phone?+

Claims can start through online claim form, email and phone, which includes an online claim form, email or phone. You would be asked for details of the incident, and the excess on the policy is the part you pay towards any claim.

What excess will I pay on a claim?+

Excess runs £30 to £175 on phone and gadget cover. The lower end suits people who can absorb a small bill themselves, while the upper end suits anyone who wants more certainty about what a claim costs them.

Is this company regulated in the UK?+

Yes. Loveit Coverit is authorised by the Prudential Regulation Authority and Financial Conduct Authority under 202846, and it is also registered with the Financial Conduct Authority under 311798.

Who am I actually buying cover from?+

The policy is issued by Pier Insurance Managed Services Limited, which is an insurer rather than a broker, so the company takes on the risk directly. It trades from GB and has been operating since 2016.

Can I get travel insurance here as well?+

Yes. The insurance types cover travel and gadget, so travel sits alongside gadget cover with the same monthly approach. If you want a wide range of policies, check what else covers the things listed there.

How do I get help if something goes wrong?+

Support runs on email, phone and help centre, meaning email, phone and a help centre. The help centre is useful for policy wording, while the phone line suits anything that needs to be sorted quickly.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Loveit Coverit

Loveit Coverit

Monthly phone and gadget cover at a low starting price in the UK.

9.0/10See alternatives