Frequently asked questions

loveit coverit is an established company within the gadget insurance sector. We are a specialist insurance provider with 3 decades of experience under our belts. You can trust in our brand and our mobile phone and tablet insurance policies. As part of AGS Pier GmbH and the parent company, Pier Insurance Managed Services Ltd, the company is fully authorised and regulated.

As your policy is not a ‘replacement as new’ policy, all mobile phone or tablet replacements we send out may be brand new or refreshed devices, but they will all come with a 12-month warranty.

We ensure that the quality of refurbished devices is so high that you won’t be able to differentiate them from new ones. Please note that refreshed devices may hold some non-original parts.

If you wish to cancel your policy at any time contact us by email - support@loveitcoverit.ie.

An IMEI (International Mobile Station Equipment Identity) number can be found by dialling *#06# on most phones and used to differentiate each individual phone and is therefore helpful should it get lost or stolen. You can also find it on the inside of the battery compartment of your phone.

Please notify us of your claim by sending an email to claims@loveitcoverit.ie

Naturally, we pride ourselves on the quality of our service, and the products we offer. However, should you need to make a complaint, please write to the Administrator at Loveit Coverit, AGS Pier GmbH (UK Branch), Evolution House, New Garrison Road, Shoeburyness, Essex, SS3 9BF.

You can also send an email here

Please email us on support@loveitcoverit.ie, provide your policy number and the make and model of your new phone and a member of the Customer Support team will update your policy schedule.

In basic terms, you choose the insurance policy that’s right for you and your gadget, and then check if we’ll cover it. Once that’s sorted, you’ll pay a monthly fee (or one-off annual charge if you feel like it) to ensure you gadget is protected. If something should happen to your smart watch during the policy period, you make a claim and we’ll guarantee you a repair or replacement.

We have no limit on claims for loss, theft and damage during each 12-month calendar period of your policy.

This can be found in your Policy Excess documents.

The amount you pay each month will depend on the level of cover you want and the price of the Apple Watch. The more expensive the watch is, the higher the premium will be. However, you have to remember that our insurance will cover you for accidental and liquid damage and theft. In addition, we include Worldwide cover and Accessory cover in our standard policy.

You must be 18 years old or over and an Irish resident if you wish to take out a policy. If you are under 18, then a family member can take out the policy on your behalf with their consent.

We understand the inconvenience that being without a phone or tablet can cause, which is why we endeavour to have a replacement device in your hands within 48 hours of us approving your claim.

If you want to cancel your smart watch insurance, you’ll need to contact your provider. If you’re on a monthly direct debit, you’ll usually have to pay the remainder of the month, after which you’ll no longer be covered. For annual policies, you’ll be covered until the end of your policy period, after which you’ll no longer be covered.

Yes we will insure old iPhones, however the phone must have been purchased from a VAT registered UK/Republic of Ireland supplier within the last 3 years (from the policy start date). You must be able to support this by providing a valid proof of purchase document.

We always aim to provide our customers with complete satisfaction, however occasionally things don’t turn out the way we expect. If, for some reason, you're unhappy with your replacement device, please get in touch so that we can understand what went wrong and look to resolve the issue.

Good news, please let us know as soon as possible and we will make sure to get your claim withdrawn. If we've already sent a replacement, please send it back in the original box and we will immediately refund you any excess that has been paid.

Whilst you will often get 12 months' coverage with your manufacturer, this usually only covers you for mechanical breakdown. Incidents like cracked screens, theft, liquid damage and loss are not included.

It would be helpful if you let us know, so that we can update our records and send you an updated policy schedule.

Yes, of course. We try to ensure that our list is complete and up-to-date as the iPhone market frequently changes. Please contact us with the details of your iPhone model and we will confirm if we can cover it.

We will only cover phones that are bought as new or that have been refurbished by the network provider or manufacturer itself.

We can insure older devices, however all mobile phones or tablets must have been purchased from a VAT registered UK/Republic of Ireland supplier and no more than 3 years old (from the policy start date).

No, there is no minimum period of cover. When you purchase an annual policy, we will contact you approximately two weeks before your renewal date and offer to renew it. We will automatically process your renewal if you don't advise us to cancel your policy at this time.

Yes, we will insure your gadget according to its market price. So, even if you buy it with a discount from the network provider, we will still replace it with an identical or similar model if it is required.

The majority of smart watch insurance providers will cover your device against damage and theft, ensuring that you’ll get a repair or replacement should the worst happen. Some insurers, like loveit coverit, will even cover you worldwide.

The required supporting documents include proof of purchase, which must be in your name and include your device's IMEI number and the date of purchase of your device.

You may have read that loveit coverit include loss as standard in all of our insurance plans. This means that if you've lost your phone or tablet, our loss cover will ensure you aren't left out of pocket.

We require an acceptable form of proof of ownership, which can include a till receipt or relevant documentation from any online purchase from your network provider. Failing to produce any valid proof of ownership may result in a rejection of your claim.

Please feel free to email us at support@loveitcoverit.ie and we will happily help you.

Please contact us immediately so that we can reinstate your policy and make sure your gadget is still covered. If we aren't notified, you might not be considered for any claims during this period.

1. Report the loss or theft to the Garda within 48 hours and obtain the crime reference number.
2. Notify your network provider within 24 hours, so that they can bar your gadget and protect your minutes.
3. Inform us of the incident by emailing support@loveitcoverit.ie

You can view all the detailed guide about how to claim in the event of a loss or theft here: How to claim

Firstly, you should make a claim. If the issue falls within your Terms & Conditions, we will advise you what to do next. If your gadget has simply stopped working and you're not sure why, contact the manufacturer as it is likely to be covered under their warranty.

We've details exactly what is not covered in the Policy Excess and Key Exclusions and Limitations pages.

You can find your policy's terms and conditions in the email we sent upon completion of your purchase, but you can also view them online on our 'Terms and Conditions' page.

Firstly, you'll need to make a claim, after which we'll offer guidance as to how to get your device to the best possible repairer. Remember to remove the battery, SIM card and any other accessories before you send it off to be repaired.

Our cover is designed for anyone who owns and loves a gadget and does not already have it insured by another provider. If you want to be able to cover the cost of repair or replacement, should something happen to your device outside of the manufacturer’s warranty, our cover is for you. We require a Policy Excess for every successful claim and limitations and exclusions apply.

Pier Insurance Managed Services Ltd are authorised and regulated by the Financial Conduct Authority. FCA registration number 311798.

Pier Insurance Managed Services Ltd fully own the subsidiary AGS Pier GmbH, which provides our insurance intermediation services within Europe.

Payments from your bank account will show as FinXP (on behalf of Pier Insurance)

Parents can insure their children's devices on their behalf. The cover of the device will apply to you as the person who purchased the policy and your immediate family. This can include your children, wife, husband, partner, siblings, parents, grandparents or grandchildren that live at your address permanently.

For policies prior to 1st February 2023

This insurance is arranged by AGS Pier GmbH, with a registered office at Hohe Bleichen 8, 20354 Hamburg, Germany. AGS Pier GmbH is a Registered Intermediary, an insurance agent with authorisation according to § 34 d para. 1 GewO (German Trade Regulation) with registration number: D-DWGU-041S5-44.

This policy is underwritten by Inter Partner Assistance SA (IPA) which is fully owned by the AXA Partners Group.

For new policies and renewals after 1st February 2023

This insurance is arranged by AGS Pier GmbH, with a registered office at Hohe Bleichen 8, 20354 Hamburg, Germany. AGS Pier GmbH is a Registered Intermediary, an insurance agent with authorisation according to § 34 d para. 1 GewO (German Trade Regulation) with registration number: D-DWGU-041S5-44.

This policy is underwritten by Collinson Insurance Europe Limited, regulated and authorised by the Malta Financial Services Authority, with a registration number C8997 and registered office at Third Floor, Development House, St. Anne Street, Floriana, FRN 9010, Malta.

Your policy is administered by AGS Pier GmbH (UK Branch).

loveit coverit will appear as Pier Insurance on all banking statements.

We won't increase our premiums once you make a claim, unlike many other insurance providers. Therefore, we ask you to pay the compulsory excess fee so we can keep our prices low for you. You can always trust that we will handle your claim quickly, professionally and efficiently.

In short, no we will not reimburse you the repair costs if you repair the device yourself. This is because our main goal is to make sure your gadget is repaired to the best standard possible, so we would only ever use our highly-trained and approved repair specialists. This is so that we get a confident assessment of the damage to your device and allows us to decide whether to repair or replace your phone.

Once we've agreed your claim, we'll endeavour to replace your device with the same make, model and colour. We'll then send it to you as quickly as possible. If your device isn't manufactured anymore, we will provide the nearest comparable model.

Our insurance policies only cover the gadget itself and not the contents. You should regularly back up any images, music, apps and downloads on your device.

We'll only cover your phone for damage if it stops it from functioning properly. So if your phone is scratched or dented, it won't qualify for repair, but if the screen has cracked, it will.

No, we won't cover non-genuine devices in our policies. However, refurbished devices that come with a manufacturer’s warranty or the original proof of purchase (if the device was bought second-hand), we will insure.