Warranty and Creditor Services

WCS are insurance administrators offering gadget insurance, life assurance and critical illness insurance to customers in the United Kingdom.

Life Assurance & Critical Illness Insurance

WCS are agents for the UK’s biggest insurers, we are confident that we will beat any quote you have had for life assurance or critical illness. To find out more click here

Mobile phone and gadgets insurance

Mobile phones and gadgets are a key part of our lives, specialist insurance provides the cover you need at a great value price to protect your investments in technology.

Your Policy and contacting us

If you have a policy with us and need to contact us for any reason, then click here for details.


Due to the impact of Coronavirus, we have been advised by our suppliers that there is currently significantly reduced availability and delays to supply for both parts and new mobile phones. As a result, we regret to advise you that this may result in your claim taking longer to be completed than would normally be the case.
Whilst we hope that this is only a temporary problem we apologise in advance for any inconvenience and assure you that we will do everything possible to minimise any delay.

Our Opening Hours

Office hours are 9:00am to 5:00pm Monday to Friday We are closed on public holidays. Email: admin@wcsinsurance.co.uk

Making a Claim

Of course, sometimes things do go wrong! If your phone has been stolen or is damaged and is no longer working, WCS think it is important to get you back up and running quickly.

WCS provide claims forms on this website so that you can give us the information we need to assess your claim quickly and without fuss.

Your claim will be assessed by an experienced claims handler and once accepted then we replace stolen phones with a new phone that’s the same or the nearest equivalent of your stolen phone. If it’s damaged, it will be fixed by our specialist mobile phone repairers or replaced, if necessary.

If it’s an iPhone once we’ve authorised your claim, you have the option to go to your local Apple store who can usually repair or replace it while you wait.

Couldn’t be simpler…

Choose an action:

Please choose what you would like to do today and we'll direct you to the appropriate form or page.

To register a new claim please select from the options above. If you have an existing claim and need to contact us please email us on claims@wcsinsurance.co.uk, please include your full 8 digit policy number in the subject line. We can only correspond with the policyholder about their claim.

I have been very impressed with your service and the help your company have given me during the [claims] process.

Mr Leyland

Thank you for the update. I am glad my handset is now fixed and returned. I appreciate all the help I received and the very quick resolution to my problem.

Mr Skwarek

I would like to take this opportunity to thank you for your excellent customer service throughout this process and hope that you pass my feedback on to your senior management team.  All too often we are quick to respond in a negative manner to customer service representatives.  I felt completely reassured through my initial conversation with you.  You carried out everything that you said you would do without any hesitation and made me feel that you had understood my concerns. You are a credit to your company and I am grateful for your expertise in this situation.

Ms Farley

I wanted to put into writing just how fantastic the service is I have received from Warranty & Creditor Services. I got a professional and efficient customer service. To be honest I am gobsmacked how quickly my claim was resolved.

Recent Customer

Phone was waiting for me in reception when I arrived at work today and was good as new.

I just want to say that you have been really helpful throughout and I have already recommended your company to friends who are paying more to their mobile networks.

As Operations Manager responsible for a helpdesk and implementation team, providing great Customer Service is important and that is exactly what you have done throughout the whole process.  You have been polite and courteous whilst keeping me updated with prompt replies.

I hope we don’t need to speak again (I don’t intend dropping my phone again) but I will be keeping my policy with you in future,