Insure your essentials with Bills Protection and Purchase Protection
Protect the bills and purchases, including electronic devices, that you pay for through your Monese account. Only available in the UK

Automatic protection when you need it
Don’t know where to start with insurance cover? Give yourself a safety net without the hassle! Our paid Monese plans offer built-in protection over your bills and purchases (including electronic devices) from the day you join, with the level of cover depending on which plan you choose.

Insurance that starts today
The best part is you don’t need to do anything extra. Join one of our paid plans and your insurance cover will start today.

Bills Protection
If you can't work because you're sick, have an accident, lose your job or need to stay in hospital, you don't need to worry about falling behind on your bills. Bills Protection will give you peace of mind and help you cover bills you usually pay from your Monese account. The level of cover will depend on which plan you choose.
Included on: Classic and Premium

Purchase Protection, including electronic devices (such as your smartphone)
Want to protect your mobile phone with phone theft insurance or keep a big purchase safe? Our Purchase Protection covers you for a refund if something you buy gets damaged or stolen, giving you the shopping protection you need.
And, just like our Bills Protection, our Purchase Protection is automatically built in at no extra cost.
Included on: Classic and Premium

How to make an insurance claim
Make sure you have all the details you need to hand
Head to ‘Insurance’ under the Explore tab and then ‘Start a claim’
Follow the steps to complete the online form directly in your app
Your Bills Protection
- Recurring monthly payments are insured for those who are employed
- Self-employed are covered for hospital stay benefit only
- Personal expenses covered up to £1,800 (on Premium plan)
- You must be off work for more than 30 days to be able to claim
- Hospital stay benefit (up to £50 per day on Premium plan)
Terms, conditions and exclusions apply. See our General Policy Conditions here

Which bills are covered?
Protect your monthly expenses, following an accident, sickness or involuntary loss of employment. Actual benefits payable are based on the average of your last 6 months recurring bills through your Monese account.
Insurance premiums
Groceries
Rent and utilities
Nursing care
School fees
Monthly subscriptions
Streaming services
Regular charity donations
Gym or sports club fees
Hobby fees
Instrument lessons
Golf club fees
Seasonal ski tickets
Your Purchase Protection
- Accidental damage and theft
- Up to 180 days after purchase (on Premium plan)
- £4,000 maximum claim limit (on Premium plan)
- Maximum aggregate 12 months claim limit is £10,000 (on Premium plan)
- £50 excess per claim (on Premium plan)
Terms, conditions and exclusions apply. See our General Policy Conditions here.

Which purchases are covered?
Brand new items for personal use
Includes mobile devices, laptops and tablets
Questions? We’ve got answers
Which Monese accounts include protection?
What is Bills and Purchase Protection?
What does Monese protection cover?
Does Purchase Protection cover mobile devices?
Is Bills Protection the same as income protection?
How do you make a claim?
Sign up with Monese today
So what are you waiting for? Join over 2 million people who’ve found a better way to manage their money online. Sign up to Monese to open your mobile money account today.
The insurance services are arranged by Monese Finance Ltd, an appointed representative of Resolution Compliance Limited which is authorised and regulated by the Financial Conduct Authority (FRN:574048)