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.
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 12 insurance, iPhone 11 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.
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.
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.
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.
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.
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.
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:
You can check the full list of exclusions to make sure your iPhone can get insured.
The insurance is arranged by Pier Insurance Managed Services Limited and is authorised and regulated by the Financial Conduct Authority under Firm Register number 311798.
This policy is 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 understand that speed is of the essence when you are without your mobile phone or tablet. For that reason, we aim to have a replacement device in your hands within 24 to 48 hours of a claim being approved.
Once the claim has been agreed, we will try our hardest to replace your cherished device with the same make, model and colour, and send it to you as quickly as possible. If your device is no longer manufactured, we will provide the nearest comparable model in a speedy and efficient fashion.
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.
There is no minimum period of cover. However, when you purchase annual cover we will contact you approximately two weeks before your renewal date and offer to renew the policy. If you do not tell us that you wish to cancel your policy, we will automatically process your renewal.
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.
No. Non-genuine devices are not covered by our policies. However, we do provide cover for refurbished devices that come with a manufacturer’s warranty or the original proof of purchase (if the device was bought second-hand).
Your excess can be found in your Policy Excess documents.
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.
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.
We will appear as Pier Insurance on all banking statements.
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.
Yes! Please email us at firstname.lastname@example.org and we will be happy to help.
Please check through both the Policy Excess, and IPID (insurance product information document) to check for what is not covered by your policy.