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Planning to shell out a small fortune on AppleCare+ to cover accidental damage to your iPhone? Stop! First, check these alternatives – you could save yourself enough to buy a decent mini-speaker.
iPhone insurance will cover the cost of repairing or replacing your Apple iPhone if it gets lost or damaged.
A handful of insurers offer specialist iPhone insurance, including additional cover related specifically to Apple products, but you can also cover any iPhone with mobile phone insurance too.
In this guide, we’ve set out scenarios where iPhone insurance will cover you – and when it won’t.
You can expect iPhone insurance to cover the costs of repairing or replacing your phone in the following circumstances.
With some iPhone policies, you’ll be covered overseas, as well as in the UK. You may also be covered for damage, loss or theft of the device while it’s in the possession of an immediate family member.
Some of the scenarios listed above may only be covered by specific insurers if you purchase a paid add-on. Some may not be covered at all by specific insurers.
There are few iPhone insurance policies that will cover devices bought second-hand. Most insurers will only cover iPhones of a maximum age. With some insurers this is as little as three months, but others will cover iPhones you’ve owned for up to 36 months.
You won’t be covered for damage sustained before the cover began.
On top of that, here are some scenarios where you’re unlikely to be covered by mobile phone insurance:
A flaw of iPhones is that they are so expensive to repair, even for minor fixes. If you use a non Apple-approved repairer, you’ll void any warranty you have with it. They cost even more to replace.
Many iPhone owners opt to pay a small monthly premium for an insurer to cover these costs instead. If you’re worried about the cost of repairs or replacement, iPhone insurance could be right for you.
However, you should check that your device isn’t already covered by another insurance policy you have, such as contents insurance, so you’re not doubling up.
AppleCare is the warranty offered automatically for free by Apple on new devices. It covers the cost of repairing mechanical defects for the first year of owning your iPhone.
You can choose to invest in AppleCare+, which adds an extra year to your warranty, plus you’ll get priority telephone support and you’ll be covered for two incidents of accidental damage. It doesn’t cover loss or theft. It costs £149 for two years, which is cheaper than the typical cost of repairing the most expensive iPhones (as you’ll see below).
Model | Screen repair and replacement | Battery and power repair |
iPhone 11 Pro Max | £326.44 | £69 |
iPhone 11 Pro | £282.44 | £69 |
iPhone 11 | £196.44 | £69 |
iPhone XS Max | £326.44 | £69 |
iPhone XS | £282.44 | £69 |
iPhone X | £282.44 | £69 |
iPhone XR | £196.44 | £69 |
iPhone 8 Plus | £166.44 | £49 |
iPhone 8 | £152.44 | £49 |
iPhone 7 Plus | £166.44 | £49 |
iPhone 7 | £152.44 | £49 |
iPhone SE | £136.44 | £49 |
In order to find the best iPhone insurance policy, there are a few steps you can take:
The cost of iPhone insurance in the UK depends on a few factors.
The claims process differs depending on your choice of insurer. Some insurers let you make online claims. Otherwise you’ll need to make a phone call.
However, there are certain steps you’ll need to take regardless of what insurer you choose.
You’ll need to provide details of your device and the incident that led to the claim.
With claims for loss or theft, you’ll need to notify the police and your network provider before making a claim. With claims for defects or damage, you’ll have to send your device to an Apple-approved repairer.
Following that process, your insurer will inform you of its decision to repair or replace it.
If you are not prepared for the financial sting of repairing or replacing your iPhone, you’ll need to insure it. iPhone insurance provides more comprehensive cover than AppleCare, giving you more peace of mind as you use your phone.
If you want to browse cover options, you can compare deals from our panel of iPhone insurance providers.
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