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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

Feefo rating
4.8 / 5

Trustpilot score
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

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 phone, you can be sure that our 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+ phone – 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 devices 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.






Accidental damage


Liquid damage


Cracked screen


Unauthorised calls up to £10,000


Accessories up to £175


Mechanical breakdown


Worldwide cover

Also included with our insurance


Unlimited claims


In-house customer service team


12-month warranty on replacements

loveit coverit iPhone insurance vs Apple Care+

When buying a new phone, Apple always offers the option to take out Apple Care+ as means of protecting your new device. But is Apple Care+ better or worse than our specialist insurance? It really depends on the level of protection you are looking for. One of the most frequently asked questions we get is ‘Can I insure an iPhone after purchase?’. The answer is yes, you can. However, if you are choosing Apple Care, you can only insure your device up to 60 days after purchase, whereas with loveit coverit, you can insure your device up to 36 months after the purchase. To find out which option is better for you, check out the comparison table below.

loveit coverit
Apple Care + with Theft and Loss
Time frame to buy
up to 36 months after purchaseup to 60 days after purchase
All iPhones Covered
Available in the whole of UK
Limited Claims
Worldwide Cover
Unauthorised usage cover
*only SE, XR,XS, 11, 12 and 13 lines
**unavailable in Channel Islands and Isle of Man
*** up to 2 Accidental Damage claims in a year and up to 2 theft/loss claims in a year

How much does iPhone insurance cost?

The price of Apple iPhone insurance depends on which model 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.

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 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 phone 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.
We’ll replace your device with a like-for-like model if you happened to lose your device. Lose an iPhone 12? You’ll get an iPhone 12.
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 phone 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 devices and loss or theft claims have a higher excess, while cheaper phones 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 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 phones 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 insurance exclusions are:

We can’t insure your iPhone if it is already damaged
We can’t insure your phone if it is more than thirty six months old
We can’t insure your phone if it is not purchased from UK VAT registered company
We can’t insure your phone if you’re not a resident of the UK
We can’t insure your phone 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 phone can be insured.


Advice and helpful information

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.

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.

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.

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.

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