The mobile phone damage costing Aussies the most

15 July, 2026

New data reveals the most common types of mobile phone damage as repair bills continue to soar, increasing by up to 40% in recent years.

A Bupa analysis of mobile phone insurance claims shows damage to the back glass is the most common issue, followed by display bleed or panel damage, unresponsive touchscreens and cracked front screens.

With more than 90% of Aussies owning a mobile phone and relying on it daily for communication, banking, managing their health and digital ID, damage or loss is no longer just an inconvenience, it can leave people financially exposed and digitally stranded.

At the same time, cybercrime is increasing with a cyber incident now reported every six minutes and the average cost of cybercrime rising eight per cent to $33,000, according to the Australian Signals Directorate and Australian Cyber Security Centre.

Many contents insurance policies exclude phones outside the home, while retailers, phone manufacturers and telcos often limit coverage to accidental damage only and typically tied to the purchase of a new phone and limited options for cyber insurance available.

Bupa has announced combined phone and cyber insurance product, designed to cover mobiles alongside certain online risks, including identity theft.

Bupa General Manager of Product Proposition and Loyalty Madeleine Young said smartphones had become essential to everyday life, but protection had not kept pace with how Australians now live and work.

“Phone repair and replacement costs have risen sharply, with screen repairs now costing hundreds of dollars and popular phones costing thousands to replace,” Ms Young said.

“At the same time, cybercrime and scams continue to increase, leaving many Australians financially exposed.”

“This is a cover that protects your phone and your digital life together, giving people real peace of mind when things go wrong.

"At Bupa, we’re focused on putting customers first, and as more Australians use their phones to manage their health, we’re adapting our products to better support and protect them."

Ms Young said while the new insurance product could help customers get back online faster, Australians should still take steps to safeguard their digital identity.

“Your digital ID is just as valuable as your wallet, so simple steps like using strong passwords, staying alert to scams and taking basic precautions can help protect yourself,” she said.

“When it comes to your phone, simple steps like using a quality protective case and a screen protector can go a long way in preventing costly damage.”

Unlike most phone insurance currently available in Australia, Bupa’s cover is not tied to buying a new phone, does not lock customers into long contracts and can cover both new and existing phones, including accidental damage away from the home.

Customers can insure a single phone with cyber cover for $19.99 per month, or cover up to four phones under one household policy for $49.99 per month. Policies include protection against online fraud, with financial reimbursement for stolen funds and out of pocket expenses, alongside online preventative cyber care support services.

TOP MOBILE PHONE CLAIMS