Dropped your mobile phone? Took it for an unexpected swim? Maybe it’s been lost or stolen. Whatever life throws at you, Optus Device Insurance gives you peace of mind - if something goes wrong, we’ll quickly sort you out with a new, refurbished replacement phone or repair your existing one.

  • Covers accidental damage, theft and accidental loss from $8.99 per month
  • Online claim lodgment service available 24hrs a day, 7 days a week
  • Choose Smart Insurance for even more comprehensive coverage

WHY SHOULD I INSURE MY MOBILE PHONE?

As we all know, life’s little accidents happen. And they can happen so easily. Taking out insurance for your phone means if an accident happens:

  • You don’t pay the full cost of a new phone
  • You don't pay any outstanding phone repayments
  • You get coverage above and beyond the manufacturer’s warranty
  • You don’t pay for unauthorised use of your service^

^ Refer PDS for more details

WHAT’S COVERED?

Standard Insurance Plan

If your mobile phone is accidentally damaged, lost or stolen – you’re covered.
And if your mobile phone is lost or stolen you’re also covered for any unauthorised use of your service up to $300 value. All phones except for iPhones may be insured with standard insurance.

Smart Insurance Plan

If your smartphone is accidentally damaged, lost or stolen - whether it’s here in Australia or while travelling overseas – you’re covered.

And if your smartphone is lost or stolen you’re also covered for any unauthorised use of your service up to $600 value.

Not only that, any associated accessories are covered, so if you lose your phone and your car kit, for instance, that’s covered too! All iPhones must be insured with Smart insurance.

For more of what’s covered and what isn’t, download a copy of the Product Disclosure Statement (PDS).




HOW MUCH DOES IT COST?

 
Monthly charges (Payable in advance)
Claims covered
Geographic coverage
Limit of liability
Unauthorised usage
Cover for accessories
Devices covered
STANDARD INSURANCE PLAN
$8.99
Theft, accidental loss, or accidental damage
National
$800*
Up to $300*
N/A
All phones except SmartPhones^^
SMART INSURANCE PLAN
$13.99
Theft, accidental loss, accidental damage or electronic breakdown/failure
International
$2000*
Up to $600*
All associated accessories
All phones and tablets

All rates and premiums include GST.
*Liability amounts are GST inclusive. If you are registered for GST any cash settlement amount will be adjusted by the extent to which you are entitled to claim a full or partial Input Tax Credit.

EXCESS
Repair/Refurbished
New
OTHER PHONES
$50
$150
SMARTPHONES^^
$100
$250
If no claims in last 24 months & active service**
Repair/Refurbished
New
$0
$0
$75
$75
If claim within first 3 months of insurance cover
Repair/Refurbished
New
Additional excess for second or subsequent claim arising from any event occurring in the same twelve month period***
$50
$215
$75
$200
$350
$75

 ^^ SmartPhones includes all iPhones and HTC dream.
** Active service means the relevant device is active on the Optus Network and has made an outbound call or uploaded/downloaded data.
*** This amount will be added to the relevant excess amount.



How do I buy optus device insurance?

Optus Device Insurance can only be taken out at the time you purchase a new phone from us – no matter if you buy it online, in store or over the phone.

You can choose your insurance options in the shopping cart when you buy a mobile phone online.

Or, simply ask the sales person about insurance when in-store or on the phone.

You can get a copy of the Product Disclosure Statement (PDS) in store or download a copy of the PDS here.
Call Optus Customer Service 1300 300 937
Find your local Optus Store

Shop phones

Mobile Insurance How To Buy Asset



HOW DO I MAKE A CLAIM?

We've made it simple to process your claim online. Or you can call us or visit a store – it’s up to you!
Just follow the steps below – we’ll get you back up and running in a jiffy.

MAKE A CLAIM



How the process works

Oh No!
Something happened to my phone!
Check the requirements for lost,
stolen or damaged phones
Call our claims team
directly on 1800 501 971
Fill in the online form
and tell us
what happened
Damaged Phone!
You must bring it in to an Optus store
The claims team receives
your info and contacts you
Your phone is sent to the claims team and assessed
Once claim is approved, pay excess and PICK UP
your new replacement or repaired phone from
your designated Optus store.


What you need to do

Now for the specifics of what you need to go ahead with your claim.

Lost
Valid insurance plan at the time of incident?
Reported it lost to Optus?
Reported it to police?
Go ahead with your claim!
Stolen
Valid insurance plan at the time of incident?
Reported it lost to Optus?
Reported it to police?
Go ahead with your claim!
Damaged
Valid insurance plan at the time of incident?
Go ahead with your claim!

Call our insurance hot line on 1800 501 971 OR +61 2 8082 5678 if overseas to report a lost or stolen device. Learn more

 

FREQUENTLY ASKED QUESTIONS

q
What is the excess fee?
a
This is the amount you need to pay if you make a claim on your insurance. If you haven’t made a claim within the 24 months since you purchased and activated your device, you won’t have to pay any excess fee, unless you have an iPhone. In this instance you will pay a reduced excess fee.
 
q
How quickly will I get my phone?
a
Once your claim is approved, you’ll normally get a new replacement phone within 5 business days. If your phone is being repaired then this will normally take longer, depending on the nature of the repairs.
 
q
Am I protected from unauthorised use?
a
Yes, you are covered for up to $300 value of unauthorised usage of your phone service on the Standard Insurance Plan and up to $600 value of unauthorised usage on a Smart Insurance Plan. It’s a good idea to set a PIN code on your device to prevent anyone using it, if it’s lost or stolen.
 
q
What is an IMEI number block?
a
We can block your phone’s IMEI number to prevent someone else using your service. You should notify us as soon as possible if your phone is lost or stolen to avoid unauthorised use of your service.
 
q
Are my accessories covered as well?
a
Yes, if you have taken out Smart Insurance, all associated accessories are covered.
 
q
Is my phone covered while travelling overseas?
a
Yes, your phone is covered if you’ve taken out Smart Insurance and it is lost, stolen or damaged while travelling internationally.
 
q
I’ve already bought a phone on a plan, can I get insurance for it?
a
Sorry, we only offer insurance at the time you purchase your phone on a plan or when you recontract with a new phone on a plan.
 
q
Can I get insurance for Prepaid mobile?
a
Sorry, we only offer insurance for mobiles on plans.
 
q
Which phones are covered under standard insurance?
a
All phones except for iPhones are covered under standard insurance
 
q
What if I already have another form of insurance which covers the claim I want to make to Optus?
a
If you have other insurance which you would be entitled to claim for the loss or damage to your phone, you must immediately inform and provide Optus with all details in respect of such other insurance including a copy of the relevant policy document. No loss shall be paid to you if you have already been fully indemnified for the loss from another source.
 
q
What about my warranty rights under Australian Consumer Law?
a
Insurance coverage does not impact your rights under Australian Consumer Law; your insurance coverage is in addition to the other rights and remedies you’re entitled to under Australian Consumer Law. Learn more
 

To find out more, visit our insurance support page.

 

Please refer to the product disclosure statement (PDS) and financial services guide for the full terms and conditions.

Repairs must not commence or replacement of equipment be undertaken unless authorised by Us or Optus. No claims will be paid if You fail to comply with the claims procedure, commence repairs or undertake replacement without authorisation.