Three SOS

Smart insurance for your phone.
Protect your phone now, get one month free. Ask in store or call 1913.
Smart insurance. Smart saving.
Three SOS Insurance

Smart insurance for your phone. Ask in store or call 1913. This applies to Bill Pay within 30 days of buying your new phone. For prepay if you wish to purchase insurance within 30 days of buying your new phone, contact 1850 797 000.

So, you've just got a shiny new phone? You can't put it down and you don't know how you ever lived without it. Unfortunately, theft of smartphones is on the rise. Even if disaster strikes, it helps to be covered.

We know your phone is important to you

All of our Three SOS policies protect your phone against accidental damage, theft and loss whether you're on Prepay or Bill Pay.

If it's lost, stolen or damaged, you need a fast, simple solution. That's what you will get with Three SOS underwritten by Zurich Insurance plc. Within 48 hours of loss or theft you must report to the Gardaí and get in touch on 1913 to suspend your SIM. Fill out the claim form and get it stamped by the Gardaí.

You’ll also need to complete and submit a claim form in the event of a damage claim.

Don’t forget – your registered SIM must be in your phone at the time of the incident.

All Policies Cover:
Screen Damage
Screen Damage
Don't worry about those little smashing noises!
Liquid Damage
Liquid Damage
Liquid damage is covered.
Accessories Cover
Accessories Cover
Up to €150 - now that's nice to know.
Total Write Off
Total Write Off
We don't just cover damage - if your phone is a write off we're there for you too.
Worldwide Cover
Worldwide Cover
Don't worry if something happens to your phone abroad - just get in touch within 48 hours! *
Loan phone
Loan phone
We provide a loan 'talk & text' phone on request, when your phone is bring repaired at no extra charge.
Courier Service
Courier Service
We can send a courier to collect and replace your damaged phone at no extra cost.
Replacement Phone
Replacement Phone
Our refurbished replacement phone is manufacturer approved and comes with a minimum 3 month warranty
Policy Excess
Policy Excess
You will be required to pay an excess payment for each and every approved claim. The amount of this excess is as stated on your Policy Schedule.
**Cover available up to 60 days outside Ireland.
Get one month’s free smart insurance for your phone.
Get one month’s free smart insurance for your phone.
Protect your new phone with Three SOS, and get one month absolutely free up until 31st March. For more details, just call 1913 or ask in 3Stores.T&Cs apply.
Policies and Pricing
Below are some examples of how much your plan could be depending on the device you purchase.
*Annual option only available to prepay customers.
**Up to 2 claims in any 12 month period, beginning from the date of the first claim.
Click here to view Insurance Product Information Document.
How to Claim:
Damaged, lost or stolen your phone, here's what to do...
Damaged Phones

Download and fill the form.

If the phone is beyond repair (eg - in pieces or crushed) - send it back with the form. Otherwise, hold onto the phone and Phonecover will arrange a courier to collect it. We'll also provide a loan phone if required.

Repair of the phone will take 5-7 working days on receipt of the damaged phone.

Lost or Stolen Phones

Make sure you contact us to suspend your SIM on 1913 within 48 hours of loss/theft.

Complete the claim form below, give detailed information on both circumstances of loss/theft. Ensure your form is stamped by the Gardai - for both lost and stolen claims.

Claim will be processed and Phonecover will be in touch to provide a replacement phone, usually within 24 hours of receipt of an approved claim form.

Insurance Christmas Offer FAQs
1 month free insurance for customers that purchase an eligible insurance device between the 12th of November and the 31st of December. Prepay customers who are gifted their phone on Christmas day can avail of the offer until 14th of January.
There is no change to the sales process. You will process insurance as normal on the system.
Mobilecover will apply the 1 month free discount (12.99 or 6.99 or 3.99). Discount will be applied in the 2nd month.
Price of the product will be reduced for the duration of the promotion and customer in store will pay either €132.01 or €68.01 or €41.01 at the till instead of the normal price of €145 or €75 or €45.
Back office will apply the discount to the customer's bill with a once off insurance amount (12.99 or 6.99 or 3.99) which will appear on the 1st or 2nd bill.
Important to inform customers that the discount will appear by the end of the second month. (Discount will appear in either the 1st or 2nd month)
A in store flyer advertising the 1 month free insurance will be supplied to stores w/c 19th November.
Yes customers within the 30 days immediately preceding the Offer Dates can avail of this offer.
As Christmas is a time for gifting, we have decided to waive the 30 day rule. A customer that receives their new prepay phone on Christmas day has until 14th January to purchase insurance and avail of the 1 month free offer. Customers can purchase monthly or annual insurance by contacting Mobilecover on 01 297 3200.

Mobilecover opening hours are Monday-Friday 9.00-17.30. The Christmas opening hours are as follows:

  • 24th Dec – Open (1pm)
  • 25th Dec – Closed
  • 26th Dec – Closed
  • 27th Dec – Closed
  • 28th Dec – Open
  • 29th Dec – Closed
  • 30th Dec – Closed
  • 31st Dec – Open
  • 1st Jan – Closed
  • 2nd Jan – Open
  • 3rd Jan – Open
  • 4th Jan – Open
Yes the following T&Cs will be available on Click here for more.

Need to contact Zurich about a claim, call 1850 797 000

Contact outside Ireland: Call +353 1 2973270

** Purchased your phone before the 3rd of December 2015? You'll need a slightly different form. Click here to get it.

Subject to underwriting criteria. The price point available to customers will depend on the phone selected. Each phone is priced based on an underwriting risk assessment as well as the value of the device. Terms and conditions apply. Three SOS insurance products are underwritten and provided by Zurich Insurance plc. Zurich Insurance plc is regulated by Central Bank of Ireland.