Compare iPhone 11 insurance

While the iPhone 11 isn’t the newest model on the market, buying one will set you back £599 – and if it’s damaged, you drop it in the toilet or it gets wet while you’re out running, for example, it’ll cost a lot to get it repaired. We’ve looked at insurance for iPhone 11 so that you can compare prices, and make sure you find the best policy for you.

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Name	Product	Cover for	Maximum cover	Excess	Monthly costs
Endsleigh gadget insurance		Smartphones, tablets, laptops, Apple Watches.	£2,500	£50	From £3.75	Go to site		loading Fetching your data...
Insurance2go		Mobiles, tablets, laptops	Quote dependent	Quote dependent	From £3.49	Go to site		loading Fetching your data...
So sure insurance		Smartphones.	£2,000	From £25	From £3.49	Go to site		loading Fetching your data...
Switched on Insurance gadget		Smartphones, tablets, laptops and Apple Watches.	£2,500	£50	From £3.75	Go to site		loading Fetching your data...

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The iPhone 11 range

iPhone 11 insurance covers the following models.

What does iPhone 11 insurance cover?

You can choose to buy a standalone iPhone insurance policy – one provided by your phone provider, or one from an insurer, or you may be able to include your phone on your standard home insurance.

• Accidental or malicious damage. If there’s an accident and your iPhone 11 is broken or damaged, by accident or deliberately.
• loss or theft. You should be covered if you lose your iPhone or it’s stolen, as long as you’ve taken reasonable care with it.
• Liquid damage. If your iPhone is damaged because it’s submerged in water or something spills on it.
• Screen damage. Some policies include fixing or replacing your screen if it’s damaged.
• Mechanical breakdown. If your iPhone stops working, you’ll get a replacement (as long as it’s out of warranty).
• Unauthorised usage. If someone has used your phone without you knowing, you will be reimbursed.
• Accessories cover. Accessories that come with your iPhone will be covered alongside your phone.

What isn’t covered under an iPhone 11 insurance policy?

There are a number of things which aren’t covered on iPhone insurance policies, including the following elements:

• Most insurance policies won’t cover second-hand iPhone 11 devices and will usually only cover phones that are a maximum age of up to 36 months.
• You won’t be able to claim for damages to your iPhone 11 before the insurance policy starts.
• If an insurer thinks you haven’t shown “reasonable care” when looking after your phone it may not accept your claim. This includes leaving your iPhone unattended.
• Intentional damage by you or an immediate family member isn’t covered.
• You won’t be covered for theft if you don’t have a crime report number.

Is it worth getting insurance for my iPhone 11?

Insurance is designed to cover you if something happens, such as your iPhone being damaged or stolen. You pay a monthly fee and then you can use the policy to get a replacement phone, or repairs to your phone, if you need to.

The cost of the iPhone 11 is £599 so, if you wouldn’t be able to cover this from your income, savings, or by another method, an insurance policy gives you the peace of mind of knowing you’ll be covered.

Should I not just stick with AppleCare?

There are several options when it comes to insurance from your iPhone 11 and one is AppleCare. This is the warranty offered by Apple when you buy a new iPhone 11.

You’ll automatically get AppleCare included with your new iPhone for the first 12 months and this covers any problems with the battery and mechanical breakdowns.

There’s a superior version, AppleCare+, which costs £149 for two years and includes an extra 12 months plus two incidents of accidental damage each year (with an excess fee of £25 for screen damage, or £79 for any other damage). You’ll also get priority telephone support included.

This kind of insurance may be all you’re after, but if you do want an enhanced policy which includes things like accidental damage or theft, it’s worth looking around at other policies on the market first.

How to find the best iPhone 11 insurance policy

There are lots of iPhone 11 policies around and therefore it’s important you compare insurers and policies to make sure you’re getting the best one for you. These steps are a good start:

1. Do you need cover? Before you start to look at policies, you need to decide if you actually need insurance. If you would be comfortable covering the cost of repair or replacement for your iPhone 11, then you might not need it.
2. Are you already covered? Your iPhone 11 may already be covered, through your home insurance policy or through insurance linked to your packaged bank account if you have one. Double check before you buy a new policy, as you don’t want to pay for the same thing twice.
3. What cover is right for you? Make a list of the cover you need, do you want an all-encompassing policy that covers you for every eventuality, or is a very basic policy ok for you?
4. Check the excess. Whenever you make a claim, you’ll need to pay an excess, which is either a set amount or a percentage of the claim. You may be able to choose a larger excess, which can lower your monthly premium, but just be sure you could afford to pay it if you needed to.
5. Do you need a standalone policy? You may be able to buy an insurance policy which covers a number of different gadgets, such as your iPhone 11 and your Apple Watch, or you could add your iPhone 11 onto your existing home insurance policy. Check the price of each policy and look at the details to see what’s included before you make a decision.
6. Compare policies and prices.There are a lot of insurers and policies on the market, so it’s important to compare what’s on offer from different providers.

How do I claim on my iPhone 11 insurance policy?

How you make a claim on your iPhone 11 insurance will depend on the insurer you’ve chosen.

Each has their own processes, but in general you’ll need to contact the insurer, by phone or online, as soon as possible. You will usually need to show a receipt of when you bought the iPhone 11 and give details, including a crime reference number if it’s been stolen.

Often, insurers specify that you must take your phone to an Apple-approved repair shop, but it might also be the case that the insurer will replace the phone without this happening.

How much is the excess and how do you pay it?

With most insurance claims there is an excess. This is the amount of money you need to pay when you make a claim.

If the excess is £50, for example, and the cost of repairs is £200, the insurer will pay you £150.

The bottom line

When it comes to insurance, the most important thing to remember is that you want a policy you can use, if you have to. Therefore, it’s worth taking the time to read the small print to see what’s included within your policy.

You also don’t want to pay over the odds for a policy. By comparing insurers, you should be able to find an insurance policy for your iPhone 11 that provides all the cover you’re after at a reasonable price.

Compare iPhone 11 insurance providers

Frequently asked questions about iPhone 11 insurance

• Can I get cover for a new iPhone?

  Most insurers will only provide cover for new phones. There may also be a limit on how old a phone is, with some insurers only covering those under a year old, for example.

• Is iPhone 11 insurance expensive?

  The price you pay for insurance will depend on the insurer you pick. Prices vary considerably, so it’s well worth comparing insurers to make sure you’re getting the best price for you.

• Will iPhone 11 insurance cover accidental damage?

  Accidental damage, such as if you drop your phone and it stops working, should be covered within your policy. This may be an added extra, so always check the small print to see if it’s automatically covered or if you need to pay extra for it.

• Will iPhone 11 insurance cover water damage?

  Water damage can happen for lots of different reasons, whether it’s going running in the rain with your iPhone 11 or dropping it in the bath. Before you buy a policy make sure water damage is included if you want to protect against this.

• Will I get a new iPhone 11 if I claim?

  Some insurers will send out a new iPhone 11 if you make a claim, while others may want to repair your existing phone first. This depends on the insurer, the type of policy, and on the reasons for making the claim.