Summary of cover

  • This complimentary mobile phone insurance covers you for accidental damage and theft up to $1,650 p.a. 

  • Your eligible mobile phone will be covered from the first day of the following month after you have paid your monthly mobile plan bill with your NAB Rewards Signature Card.  

  • Your cover will continue as long as you keep paying your monthly mobile phone bills with your NAB Rewards Signature Card. If you miss one payment, your cover will be suspended for the following month.


To be eligible, customers must:

  • have a NAB Rewards Signature Card

  • have a contract with a mobile phone provider

  • be on a monthly billing arrangement

  • pay their monthly phone plan each month with their NAB Rewards Signature Card.

What will mobile phone insurance cover?

  • Accidental Damage – your eligible phone can no longer perform the function they were intended for due to broken parts or material or structural failures due to an accident.
  • Theft.

Insurance coverage

  • $50 excess per claim
  • We will pay up to $1,000 per claim (with an annual limit of $1,650).


Exclusions include:

  • Mobile telephone accessories other than the standard battery and/or standard antenna provided by the manufacturer.
  • Eligible Mobile Telephones that are lost or Mysteriously Disappear, as defined in the terms and conditions.
  • Eligible Mobile Telephones under the care and control of a common carrier, including, but not limited to, the postal service, airlines or delivery service, and Eligible Mobile Telephone is not under the Eligible Cardholder`s possession at time of the incident.
  • Eligible Mobile Telephones stolen from baggage whilst travelling unless hand-carried and under the Eligible Cardholder`s supervision or under the supervision of the Eligible Cardholder`s traveling companion who is previously known to the Eligible Cardholder.
  • Cosmetic damage such as a dent or scratch to the Eligible Mobile Telephone or Accidental Damage that does not impact the Eligible Mobile Telephone`s operation and functions (including minor screen cracks and fractures less than 5 cm in length that does not prevent the ability to make or receive phone calls or to use other operations and functions of the Eligible Mobile Telephone).
  • Accidental Damage or Theft resulting from any intentional acts or omission by You or anyone acting on Your behalf, willful damage, destruction or misplacement of the Eligible Mobile Telephone, fraud, hostilities of any kind (including, but not limited to, War, invasion, rebellion or insurrection), confiscation by the authorities, risks of contraband, illegal activities, normal wear and tear, flood, earthquake, radioactive contamination, or damage from inherent product defects or vermin.
  • Accidental Damage or Theft resulting from mis-delivery or non-return of the Eligible Mobile Telephone lent or voluntarily given to a third party.
  • A mobile telephone purchased for resale or commercial use. Subject to the terms of the terms and conditions, Insurance Coverage is for personal mobile phone devices and for use by Eligible Cardholder for personal purposes only.
  • Electrical, electronic or mechanical defects where there is no evidence of Accidental Damage.

How to file a claim

The Eligible Cardholder must file a claim as soon as reasonably practicable, and provide:

  • Completed and signed claim form as soon as reasonably practicable.
  • Eligible Cardholder’s card statement reflecting the monthly Eligible Mobile Telephone payment as soon as reasonably practicable for the month preceding the date the Eligible Mobile Telephone was subject to Theft or suffered Accidental Damage.
  • A copy of the Eligible Cardholder’s most recent mobile provider’s billing statement as soon as reasonably practicable showing the payment for the Monthly Mobile Plan.
  • If available, a copy of the original Eligible Mobile Telephone purchase receipt or other sufficient proof of the Eligible Mobile Telephone model currently linked to the Eligible Cardholder’s Eligible Mobile Telephone account as soon as reasonably practicable.
  • If the Eligible Cardholder has an existing insurance from the mobile operator, a copy of the insurance claim to the Eligible Cardholder’s mobile telephone insurance, or in the event that the claim amount is less than the Eligible Cardholder’s deductible, a copy of the policy’s declarations page as soon as reasonably practicable.
  • If a claim is due to Accidental Damage, a copy of the repair estimate and photos as soon as reasonably practicable of the Accidental Damage. We may also reasonably require You to send in the damaged Eligible Mobile Telephone(s), at Your expense, for further evaluation of Your claim.
  • If the claim is due to Theft, a copy of the police report filed as soon as reasonably practicable.

Frequently asked questions

If you need more information on mobile phone insurance, check out our frequently asked questions.

How to make a claim


You can submit an online claim.

By clicking “Submit your online claim”, you will be leaving NAB’s website and going to a third party website (with its own terms of use and privacy policy). NAB is not responsible for the products, services and content on the third party website.


For further assistance, you can contact AIG via email.


Call AIG Australia Limited Monday to Friday, 8:30am to 5:30pm (AEST/ADST).

Australia: +61 395 224 111

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Terms and Conditions