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New to T-Mobile? Switching is easy Set up your device Using the app Sprint Migration Center All get started topics Ways to pay your bill All about your bill Line permissions Your T-Mobile ID Your PIN/Passcode All account resources topics T-Mobile network In-flight texting and Wi-Fi Wi-Fi Calling International roaming Mobile Without Borders All network & roaming topics Find the right plan Netflix on Us HotSpot plans Voicemail Use Mobile HotSpot All plans support topics Tutorials Troubleshooting Unlock your device Protect your device SIM card & eSIM All device assistance topics Get T-Mobile for Business Billing and payments Manage your account Orders and shopping Account Hub registration All business support topics
Learn how Protection® (P) protects your device. If you need to file a claim, find out how.
On this page:
- What’s included with P
- Monthly cost
- Service fee/deductible
- Check you have device protection coverage
- Enroll in device protection
- Cancel device protection
- Full Terms
What’s included with P
Protection covers the repair or replacement of your device in the event of hardware service issues (mechanical breakdown), even after the manufacturer’s warranty expires, accidental damage, and loss and theft.
- For complete coverage details, benefits, limitations, exclusions, and costs, visit mytmoclaim.com/terms.
- Device protection is not required to activate service with T-Mobile, but without protection, you may be responsible for the full replacement cost of your device if it is accidentally damaged, lost, stolen or suffers a mechanical breakdown.
- Protection gives you access to both an insurance plan and a service contract plan, including Apple Care Service for eligible Apple devices. In New York, these options can be bought separately.
- The Insurance Device Protection Plan provides coverage for accidental damage, loss, and theft.
- The Service Contract Device Protection Plan provides coverage for hardware service issues (mechanical breakdown), JUMP!® Upgrades, unlimited screen protector replacements, and access to tech support and mobile security apps.
- Discount for both plans: If you buy both the Insurance Device Protection Plan and the Service Contract Device Protection Plan, you’ll get a discount of up to $1.50 on the Insurance Device Protection Plan, depending on the device tier.
- If the device was bought from another provider: To enroll in the Insurance Device Protection Plan and receive the same discount, visit a T-Mobile store or Contact Us within 30 days of enrollment. You must show proof of service contract.
How claims work
- Get up to five total claims in any rolling 12-month period based on the date of the first repair or replacement for loss, theft, and accidental damage (including screen-only repair).
- No limit on hardware service (mechanical breakdown) claims.
- Once your claim is approved, a service fee/deductible based on your device tier and the type of claim plus tax, if applicable, will be collected from you by credit card, debit card or eCheck.
- No processing fee for eligible hardware service claims handled by the manufacturer. All BYOD hardware service exchanges must be handled by Assurant.
- No processing fee for BYOD coverage (add savings and overnight shipping.)
- Device replacement in the event of loss/theft.
- Device repairs or replacements for hardware service issues (mechanical breakdown).
- Screen repair is available through Assurant’s Repair Network. Call Assurant to make an appt at one of the Phone Repair locations.
- If you purchase Protection, Apple® may provide service and technical support for eligible devices through AppleCare Service. Your new Apple device is eligible for AppleCare Services during the first 24 months from the date you enroll in Protection and as long as your plan coverage remains uninterrupted.
- JUMP! ® Upgrades: Available on EIP devices when 50 percent of the device cost has been paid. (No BYOD)
- McAfee ® Security for T-Mobile with ID Theft Protection
- Secures your digital life with safe browsing, antivirus/malware, identity theft, and lost wallet protection.
- McAfee Security for T-Mobile with ID Theft Protection is provided by McAfee.
- For more information and legal disclaimers, visit: https://www.mcafee.com/en-us/consumer-support/policy/legal.html
- Download and register the Protection ® app by Assurant ® for full feature access.
- Availability and features may vary by device and operating system.
How to cancel your mobile contract early
A pay monthly contract typically lasts about two years. But with new phones and better deals coming out all the time, that can feel like a long time to wait if you’re a big fan of using the latest handsets.
So, when you start getting serious phone envy, it’s tempting to upgrade early, rather than put up with a phone that no longer feels value for money.
Also, with mobile contract prices going up by as much as 17% in 2023, you may be tempted to cancel your current contract and find a cheaper deal.
Unfortunately, if you decide to cancel your contract, you’ll probably end up having to pay an early termination fee.
This applies to price rises, too, as the majority of networks include them in their T&Cs, meaning you won’t be able to cancel early for free as a result of the increase.
Typically, this early exit fee will mean having to pay off the remainder of your contract in one lump sum. Which is a lot to cough up in one go, particularly if you then want to splash on a newer handset.
Alternatives to cancelling your contract early
Here are some of your options if you’re not able to cancel your mobile contract early for free.
1. If you want to upgrade your phone
If you just want to upgrade to a newer model, you don’t need to cancel your contract. Most of the latest handsets are available to buy unlocked and SIM-free.
SIM-free smartphones can cost a bit more upfront, but buying a new handset is a hassle-free way of upgrading your phone, and can be a lot cheaper than paying the early exit fee.
You won’t need to sign a new contract, and you can even recycle your old handset to recoup some of the cost.
2. If your phone breaks
Most phones will be under a standard warranty for pay monthly customers. So if your phone starts to malfunction, check to see if it’s covered.
If it’s not, most networks offer repair services, but these can be expensive.
If it’s a fault with the handset, try contacting the manufacturers directly. Apple is famous for its excellent customer service and you can make an appointment at your local Apple Store.
Alternatively, if your phone is water-damaged, check out our guide on how to fix it yourself .
3. If you’re struggling from poor coverage
If you’re starting to experience issues with your network coverage, contact your network provider. They will check to see if there are any maintenance works or upgrades that could be causing you temporary problems.
They may also be able to suggest a solution or offer you a discount on your bill.
If you’re still getting poor coverage, check to see if you can use Wi-Fi calling .
4. If you’re leaving the UK
Unfortunately, if you cancel your contract because you’re moving abroad, you’ll almost certainly have to pay the termination fee.
It might work out cheaper to leave your account open, particularly if you have plans to return to the UK.
As the cost of international roaming is becoming more affordable, you may be able to continue using your phone after you’ve moved.
5. If you can’t afford your contract anymore
If you’re struggling to pay your contract – especially after the latest round of mobile price rises – get in touch with your mobile network to discuss alternative payment options.
If you just cancel your contract without paying, the network will probably pass your contact details on to a debt collection agency, which could also affect your credit rating.
How to cancel your contract with each provider
If you decide to cancel your contract, some networks offer a discount on termination fees.
Here’s what each network offers:
EE
EE’s early exit fee is calculated at 96% of your remaining monthly payments.
EE also offers an annual upgrade scheme customers on higher data plans.
giffgaff
The beauty of giffgaff is that you don’t get tied into a contract, so you won’t have to pay an early termination fee. Simply change your goodybag or cancel it at any time. It’s as simple as that.
If you’ve bought a handset from the giffgaff phone store, you can continue paying for this on a separate agreement. You don’t have to use giffgaff in order to have this handset repayment plan.
O2
O2 Refresh is an upgrade program that lets you pay for your usage and your handset on 2 separate contracts. This basically means that you can upgrade your phone anytime you want.
It will probably cost you a bit more than a single package, but O2’s recycle plan could earn you as much as £260 off your next phone. So, if you’re the kind of person who regularly updates their handset, it could be a smart move.
Three
If you’re on Three, you’ll have to pay an early termination fee equivalent to 97% of your remaining monthly payments.
However, if you have previously upgraded or renewed a contract on Three, your fee is discounted to 90% of your remaining monthly payments.
Vodafone
Vodafone offers a 30-day network guarantee , so if you’re looking to cancel your contract within the first month, you shouldn’t have to pay a termination fee.
If you cancel after the first 30 days, you will have to pay a termination fee.
Bear in mind that your handset remains the property of Vodafone until you’ve paid the first six bills.
If you’re looking to switch, check out all our latest mobile phone deals , including some seriously affordable SIM-only deals that could save you a lot over the year.
