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Understand Spark mobile insurance

You’re good to go when you add Spark Mobile Insurance.

Mobile Insurance is only available for Spark sourced devices on current Pay Monthly plans with Spark. See Spark's Mobile Insurance policy

What's covered?

Spark Mobile Insurance covers your phone, battery, charger and SIM card. It includes:

Accidental damage

Includes repairs or replacement, depending on severity. Accidental damage is physical damage or destruction of your mobile by an unforeseen event. Excess applies.

Accidental loss or theft

Up to $1,000 of unauthorised usage made on your mobile in New Zealand. Includes replacement of mobile phones. Conditions apply. Up to $500 cover for temporary mobiles while you're overseas. Excess applies.

How to get Mobile Insurance

You can get Mobile Insurance when you buy a phone from Spark. 

If you already have a phone you bought from Spark, you can sign up for Mobile Insurance within 30 days of purchase. Check eligibility for Spark Mobile Insurance
Note: This screen will only display mobile insurance information and options if you have purchased a Spark mobile in the last 30 days.

How much is Mobile Insurance?

  • $8.95 per month for mobiles that cost up to $799. There’s an excess of $150.
  • $12.95 per month for mobiles that cost $800 or more. There’s an excess of $195.

Prices are GST inclusive.

How do I claim for:

Accidental damage

  • You can claim in store or call the claims managing agent on 0800 MOBINS (0800 662 467) within 30 days of the date of the accidental damage
  • Their hours are Monday to Friday, 8am to 5.30pm
  •  They'll need to do a damage assessment to check if the mobile is repairable or if it needs to be replaced
  • View Spark's Mobile Insurance policy

A lost or stolen mobile

  1. Block it: Call Spark on 0800 800 163 immediately, no later than 48 hours after the mobile is lost or stolen. This is so we can block your mobile and bar your SIM card.
  2. Report it: Report the loss or theft to the police within 48 hours to get a crime reference number (QID) or a police report.
  3. Claim it: You can claim in store or lodge your claim by calling 0800 MOBINS within 30 days of the date your mobile was lost or stolen. Their hours are Monday to Friday, 8am to 5.30pm.

Your Policy Document will cover Exclusions in full, but some of the events which aren't covered are if:

  • Your mobile is left unattended out of your sight, possession or control;
  • Your Spark SIM wasn't in your mobile;
  • Your mobile is stolen, intentionally damaged, misused or abused by you, your spouse, partner, relatives or people who you live with;
  • The loss, damage or theft happened after you gave, lent or sold the mobile to someone other than an immediate member of your family who's aged sixteen years or older. Or, if you're a company, to someone other than a full time employee of your company;
  • The loss, damage or theft happened while the mobile was in the possession of, or being used by, someone under the age of sixteen years;
  • The loss or damage is caused by operator error, software, reformatting or recovery of data, viruses, integration with other products, or any fault arising from any of those things;
  • The claim is for non operating or cosmetic faults, wear and tear, depreciation or arises from improper storage;

If you find your mobile before or after any claim payment, you must let us know and get it back to us. We may recover all claim payments made and all our associated costs if you don't.

If you change your mobile, it's up to you to get in touch and reapply for cover for your new mobile. If you don't let us know about the change we might turn down your claim.

Using your SIM in connection with an uninsured mobile doesn't transfer the insurance cover to that mobile. 

If you change your mind within the first 30 days then you can contact us and we'll refund your premium (unless you've already made a claim) and cancel your policy.

Mobile insurance is offered by Teleco Insurance (NZ) Ltd. Teleco Insurance (NZ) Limited received a Standard and Poor's Pty Limited financial strength rating of BBB+/Stable/-- on 24 November 2022.

Rating Description


An insurer rated AAA has extremely strong financial security characteristics. AAA is the highest insurer financial strength rating assigned by Standard and Poor's.


An insurer rated AA has very strong financial security characteristics. This differs only slightly from those rated higher.


An insurer rated A has strong financial security characteristics. They're somewhat more likely to be affected by adverse business conditions than insurers with higher ratings.


An insurer rated BBB has good financial security characteristics. They're more likely to be affected by adverse business conditions than higher rated insurers.

BB; CC; and CC

An insurer rated BB or lower is regarded as having vulnerable characteristics that may outweigh its strengths. BB indicates the least degree of vulnerability within the range; CC the highest.


An insurer rated BB has marginal financial security characteristics. There are positive attributes, but adverse business conditions could mean they're unable to meet financial commitments.


An insurer rated B has weak financial security characteristics. Adverse business conditions will likely impair its ability to meet financial commitments.


An insurer rated CCC has very weak financial security characteristics. They're dependent on favourable business conditions to meet financial commitments.


An insurer rated CC has extremely weak financial security characteristics. They're likely not to meet some of its financial commitments.

SD or D

  • An insurer rated SD (selective default) or D is in default on one or more of its insurance policy obligations but isn't under regulatory supervision that would involve a rating of R
  • The D rating will also be used upon filing a bankruptcy petition or the taking of similar action if payments on a policy obligation are at risk
  • A D rating is given when Standard & Poor's believes that the default will be a general default and that the obligor will fail to pay its obligations in full in accordance with the policy terms
  • An SD rating is assigned when Standard & Poor's believes that the insurer has selectively defaulted on a specific class of policies but it will continue to meet its payment obligations on other classes of obligations
  • A selective default includes the completion of a distressed exchange offer
  • Claim denials due to lack of coverage or other legally permitted defenses are not considered defaults


An insurer rated R is under regulatory supervision owing to its financial condition. During the pendency of the regulatory supervision, the regulators may have the power to favour one class of obligations over others or pay some obligations and not others. The rating does not apply to insurers subject only to nonfinancial actions such as market conduct violations.


An insurer designated NR isn't rated, which implies no opinion about the insurer's financial security.

*Ratings from AA to CCC may be modified by the addition of a plus (+) or minus (-) sign to show relative standing within the major rating categories.

Teleco Insurance (NZ) Ltd has a standard complaints process and is a member of the Financial Dispute Resolution scheme (an independent dispute resolution scheme for the NZ financial industry). As a requirement of section 4.5 of the Solvency Standard for Non-life Insurance Business 2014, issued by the RBNZ under section 55 of the Insurance (Prudential Supervision) Act 2010, Teleco Insurance (NZ) Ltd is required to disclose its actual solvency capital, minimum solvency capital, solvency margin and solvency ratio. The most recent annual solvency return, as at 30 June 2023, reported actual solvency capital of $83.764 million, minimum solvency capital of $70.295 million, solvency margin of $13.469 million and solvency ratio of 119%. The calculations were made by our Appointed Actuary, Christine Ormrod FNZSA.