iPhone insurance

A comprehensive insurance policy for all iPhone models at great prices, with experienced in-house customer care.

1 Million+

Gadgets insured
30 Years

Industry experience
5-Star

Defaqto rating
4.8 / 5

Trustpilot score
Authorised by the Financial Conduct Authority
In partnership with AXA
iPhone insurance

A comprehensive insurance policy for all iPhone models at great prices, with experienced in-house customer care.

1 Million+

Gadgets insured
4.8 / 5

Trustpilot score
Authorised by the Financial Conduct Authority
Get an instant quote
Model not listed?

What is iPhone Insurance?

iPhone insurance is a type of mobile phone insurance designed specifically with iPhones in mind. All the coverage that is included takes into account the requirements of Apple products and services. This way, if something happens to your iPhone, you can be sure that iPhone insurance will cover it.

Do you need iPhone insurance?

iPhones are among the most expensive phone models on the market, but also the most popular. Thanks to their gorgeous design and clean operating system, Apple iPhones are highly sought-after smartphones.

However, imagine if something happened to your £1000+ iPhone – would you be able to pay for a replacement or repairs right away? It isn’t easy to find that much money at short notice…

Apple iPhone insurance gives you the chance to pay a small monthly or annual premium so that if anything happens to your device, the insurer will repair it or replace it. This will be taken care of within days and with nothing except the excess to pay (usually from £30 – £175, depending on the device).

This gives you a more affordable way to get your precious iPhone back in working order after a mishap and handle the mounting cost of repairing or replacing your Apple device. You can get iPhone 13 insurance, iPhone 12 insurance… in fact, almost any model of iPhone can be insured by loveit coverit. Find a list of the popular iPhones insured with us below.

What does loveit coverit iPhone insurance cover?

 
There’s plenty of unfortunate things that can happen to your phone – getting knocked off a desk, falling out of your pocket, dropping into a puddle, etc.
You can’t predict everything that might happen, so our iPhone insurance is designed to protect you against practically all the things that could.

Theft

Loss

Accidental Damage

Liquid Damage

Cracked Screen

Unauthorised calls up to £10,000

Accessories up to £175

Mechanical Breakdown

Worldwide Cover

Theft

Loss

Accidental Damage

Liquid Damage

Cracked Screen

Unauthorised calls up to £10,000

Accessories up to £175

Mechanical Breakdown

Worldwide Cover

We also offer

Unlimited claims

In-house customer service team

12-month warranty on replacements

Unlimited claims

In-house customer service team

12-month warranty on replacements

How much does iPhone insurance cost?

The price of Apple iPhone insurance depends on which model of iPhone you own. Usually, you’ll find that the higher the retail price, the higher the cost of cover.

More recent models can cost more to insure as they have a higher market value and are in higher demand.

However, you can get the best iPhone insurance price possible by completing a personalised quote for your model of iPhone.

Find out the price

10% discount - when you insure more than one device

iPhone insurance explained

Insurance might seem like something really difficult to understand without a little explanation. We know that you’ll want to know what you are covered for for with iPhone insurance before getting a policy. So, this section will tell you about each thing that’s covered so you know what you're protected against.
Accidental Damage
Our comprehensive cover will repair or replace your iPhone if you accidentally damage it.
Liquid Damage
If you accidentally wash your iPhone with your laundry or drop it in the toilet, we will repair or replace it.
Cracked Screen
If you've dropped your phone and cracked the screen, don't worry, we will get it repaired.
Loss
We’ll replace your device with a like-for-like model if you happened to lose your iPhone. Lose an iPhone 12? You’ll get an iPhone 12.
Theft
If someone has taken your iPhone away from you, we will send a replacement device to you.
Accessory Cover
If you had any accessories attached to your iPhone while it was damaged, stolen or lost, we will replace them.
Mechanical Breakdown
If an electrical or mechanical fault occurs, we will repair or replace your iPhone.
Airtime Abuse
Our iPhone insurance covers the cost of unauthorised calls made following the theft of your phone.
Worldwide Cover
If something happens to your phone while you're abroad, we will take care of it.

How often will you need to pay for your iPhone insurance?

This depends on which type of insurance policy you have chosen – monthly or annual. We like to give our customers the option so you can pick whichever you prefer.
If you’ve chosen a monthly policy, you will have to pay once a month on a date most convenient for you. You could time your payment with your payday so you know when your expenses will leave your account.If you’ve chosen an annual policy, you will have to pay once a year. This can be ideal if you simply want to pay for 12 months of cover up front. That way, you know your insurance is sorted for the whole year!

Please note, we don’t take any payments in the first 14 days after the policy start date, therefore your first two payments might be taken in the same month (if you’ve chosen a monthly policy). Don’t worry if this happens. After the first month, you will only have to pay once a month.

Excess on iPhone insurance

If you have to make a claim, you will have to pay an excess. The excess is a small amount of the initial cost for repairs or a replacement, then we take care of the rest.

Excess usually depends on your iPhone model and claim type. Higher-priced iPhones and loss or theft claims have a higher excess, while cheaper iPhones and accidental damage claims have lower excess.

You can take a look at our policy excess table to find out exactly what you’d need to pay in each situation.

How does the age of your handset affect the cost of iPhone insurance?

Usually, the older the iPhone gets, the cheaper it becomes to insure. This is usually because demand for them drops as newer models of iPhone are released.
We always check the changes in the selling prices of iPhones so that we can offer the most competitive price for you.
However, it is important to remember that we can only insure iPhones up to 36 months old.

Common exclusions with loveit coverit iPhone insurance

When looking to get your phone insured, there are a few things that may prevent you from getting an iPhone insurance policy. This is mainly due to the condition the iPhone is already in or where it was purchased from.

The most common iPhone insurance exclusions are:

We can’t insure your iPhone if it is already damaged
We can’t insure your iPhone if it is more than thirty six months old
We can’t insure your iPhone if it is not purchased from UK VAT registered company
We can’t insure your iPhone if you’re not a resident of the UK
We can’t insure your iPhone if it is grade B or C refurbished
We can’t accept your claim if you have not paid for your iPhone insurance

You can check the full list of exclusions to make sure your iPhone can get insured.

Frequently asked questions

Who provides the insurance?

loveit coverit insurance is arranged by Pier Insurance Managed Services Limited, which is authorised and regulated by the Financial Conduct Authority under Firm Register number 331798.
Our policies are underwritten by Inter Partner Assistance SA (IPA) which is fully owned by the AXA Partners Group. The Inter Partner Assistance SA Financial Conduct Authority register number is 202664.

Who are loveit coverit?

Working in partnership with AXA we are a trusted, specialist provider of mobile phone and tablet insurance policies direct to the consumer. loveit coverit is a trading style of Pier Insurance Managed Services Ltd.

Pier Insurance Managed Services Ltd is authorised and regulated by the Financial Conduct Authority. FCA registration no. 311798.

How quickly will I get my replacement phone after I claim?

We know that mobiles matter, which is why we’ll aim to get you yours within 24 to 48 hours of your phone insurance claim being approved.

What replacement phone will I receive? Will it be the same?

Where possible, your replacement phone will be the same make, model, and colour as before. If this is not possible, or it’s no longer produced, we will provide a phone that’s as close as possible to the original in terms of value and features.
Your phone will either be brand new or refurbished as new – you won’t be able to recognise the difference though. It will also have a warranty.

Will my replacement mobile phone or tablet be brand new?

Your policy is not a ‘replacement as new’ policy so all mobile phone or tablet replacements may be either brand new or refreshed devices – all devices will also come with a warranty.

The quality of refreshed devices is so high you won’t be able to tell the difference compared to the new devices. Although standards are extremely high, please note that refreshed devices may hold some non-original parts.

Is there a minimum or maximum cover period?

No, there is no minimum or maximum period of cover. If you choose to pay annually, we will let you know your cover is coming to an end two weeks before the renewal date. If you don’t tell us otherwise, we will automatically renew your phone insurance policy.

Can I insure an old iPhone?

Yes, but all iPhones must be purchased from a VAT registered UK supplier within the last 36 months (from the policy start date). This must be supported by a valid proof of purchase document.

Does my device have to be genuine?

We only offer mobile phone insurance cover for genuine devices. That means if you have a non-genuine device then we won’t be able to cover it.

How much is my excess?

Your excess can be found in your Policy Excess documents.

Why do I have to pay an excess?

Unlike other insurance providers, we do not increase our premiums after you make a claim. Therefore, we ask that you pay the compulsory excess so we can keep our prices low for you. In the meantime, you can trust that we will handle your claim promptly and professionally.

Is there an age limit to insure a device?

To take out a policy for yourself you must be 18 years old or over and a UK resident. If you are under 18 years old, then a consenting family member can take out the policy on your behalf.

Who takes the money from my account or credit card?

We will appear as Pier Insurance on all banking statements.

My iPhone does not appear on your list. Does this mean I cannot insure it?

No. Whilst every care is taken to ensure that our list is complete and up to date, the iPhone market changes very often. Please contact us to give us the details of your iPhone model, and we will confirm if it is a model we can cover.

My question has not been answered by the FAQs. Is there someone at the end of the phone who I can ask?

Yes! Please email us at support@loveitcoverit.com and we will be happy to help.

What’s not covered?

Please check through both the Policy Excess, and IPID (insurance product information document) to check for what is not covered by your policy.

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