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

Defaqto rating
4.8 / 5

Trustpilot score
Authorised by the Financial Conduct Authority
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

Defaqto rating
4.8 / 5

Trustpilot score
Authorised by the Financial Conduct Authority
Get an instant quote
Model not listed?
Unlimited claims
We provide unlimited repairs and replacements on all our insurance policies.
In-house customer service team
We will never outsource your claim.
12-month warranty on replacements
We offer a hassle-free 12-month warranty on all replacement devices.
iPhone insurance - loveit coverit

Quality iPhone insurance from a company you can trust

Our specialist Phone Insurance policies cover older models through to the latest iPhone 11 and iPhone 11 Pro handsets and the iPhone XR. With two levels of cover to choose from; Plus and Premium, you can select the policy that best suits you. 

We always include Theft Cover in our policies, giving you peace of mind! Apple is the most stolen phone brand in the UK for years now, therefore it is crucial that you have protection in case your phone is stolen. Our premium policy covers Loss as well. This means that you can feel safe that your iPhone is protected at all times.

Cracked Screen Cover is included with our Premium cover and is statistically what people are most likely to claim for. We’ll repair or replace your screen as quickly as possible.

Our Accidental Damage and Liquid Damage Cover, included within our Premium policy, offer great peace of mind for even the most accident-prone iPhone users.

Our insurance policies give you Worldwide Cover. We've included Worldwide Cover in all our policies. This means that if something happens to your phone while you're traveling abroad, we will take care of it.

Our policies also cover your iPhone's accessories, like headphones or your phone's case and screen protector. So if in the event of damaging your iPhone or it being lost or stolen, it had any accessories attached to it, they will be covered (up to £175).

You’ll also be protected from unauthorised calls. This means that if your iPhone is stolen or lost and someone is making unauthorised calls, sending text messages or downloading anything without your consent, we will cover the cost of that up until £10,000.

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10% discount - when you insure more than one device

Our Cover

Accidental Damage
Accidents happen. Your iPhone can accidentally slip out of your hands, someone can knock it down from a table and smash it on the ground. Our comprehensive cover gives you peace of mind and financial reassurance if you accidentally damage your iPhone.
Liquid Damage
Nothing attracts water quite like high-tech gadgets. We like to take baths and watch something on our iPhones, but one wrong movement can send your iPhone for a swim. Or you might forget that you have your iPhone in the pocket and go for a nice swim in the sea after which your iPhone will probably be damaged. Protect your iPhone against liquid damage and we’ll get it repaired or replaced.
Cracked Screen
It is very easy to damage your iPhone's screen or the glass back. One wrong movement and your screen is cracked to bits! Dropped or knocked your iPhone and the screen is cracked or not working properly? Don’t worry, we will get it repaired!
Prone to losing things? You could be engaged in a very interesting conversation with your friends and forget your iPhone on the bus. Packing up your groceries in the store, after paying with Apple pay and leaving your iPhone at the check out desk. There are many ways, how you can lose your phone and it is not your fault! Our loss cover can provide that added level of protection.
iPhones are the most stolen phones in the UK. You can be traveling to work in a packed tube or shopping in an empty supermarket with the iPhone in your bag and still have it taken from you. The feeling of knowing that your iPhone has been stolen is not great, to say the least. Therefore, we want to be sure that we replace your iPhone as soon as possible and that you are covered at all times. We also offer cover for unauthorised calls when your device is taken from you.
Accessory Cover
We can help you protect the accessories that allow you to enjoy your Apple device - like headphones, chargers and cases - if they get damaged or stolen with your iPhone.
Mechanical Breakdown
iPhones are very advanced phones. However, even the best of the best can make mistakes. Whether it is a software issue, poor manufacturing or a malfunction, we can help you! We’ll cover your iPhone if an electrical or mechanical fault like home button not working or your iPhone's not charging, occurs outside of its warranty period.
Airtime Abuse
Airtime abuse can be a concern if your device gets stolen. Our mobile phone insurance covers the cost of unauthorised calls made following the theft of your phone.
Worldwide Cover
We know you love to take your devices with you wherever you go, so if that’s abroad, you’ll be pleased to know our insurance includes unlimited worldwide cover.

iPhone insurance from loveit coverit

Here at loveit coverit, we’ve been providing insurance for the iPhone since the first model was launched in 2007. As one of the most popular handsets in the world, we have continued to provide comprehensive and affordable cover as the device has evolved.

We understand just how much Apple users love their phone and we know how upsetting it can be to lose your device, or have it damaged or stolen. Take out iPhone insurance cover for your device with us, and you'll rest safe in the knowledge that your phone is covered by a company that really knows their stuff when it comes to iPhone phone insurance.

We continually compare our insurance in the market, to make sure our cover is comprehensive and well priced.

Whether you have the iPhone 8, the iPhone 11, or any other model, don’t forget to get cover for your handset. When doing your Apple iPhone insurance comparison online, be sure to check the cost of excess fees, as well as what's included in your policy. This information can usually be found in policy documents - Terms & Conditions and the IPID.

The need to know of buying a new iPhone

We’ve trawled through the internet to find your most-asked questions about all things iPhone. Here are the answers to all your burning questions:

Can you buy iPhone insurance from Apple?

If iPhone users would prefer to get insurance through the manufacturer, they can opt to purchase AppleCare+. This insurance plan costs £129 for the year and protects your phone against hardware damage, manufacturer damage, and up to two cases of accidental damage. For everything else, you’ll either have to pay a hefty excess fee or pay in full.

Is iPhone insurance worth it?

The truth is that phone insurance may not be worth it… until you actually have to make a claim. You could very easily pay out for insurance every month and never see a return on your investment, which may seem like a waste. But if you choose to go without insurance and your device is broken or lost, you’ll almost certainly have to spend more money to fix it than you would have sent on a policy. If you feel comfortable without insurance, then you probably don’t need it, but if you want that added peace of mind, it’s a must-have.

Which iPhones are water-resistant?

According to Apple, every iPhone from the 7 up is water- and splash-resistant to a degree, though the ratings for each model do differ. The iPhone 7, 7 Plus, 8, 8 Plus, and X all have a rating of 7 out of 9, which means they can, theoretically, be submerged in 1 metre of water for 30 minutes without damage. The iPhone XS and XS Max have a rating of 8 out of 9, meaning that they can survive in 2 metres of water for the same time. The new iPhone 11 and 11 Pro & Pro Max are IP68 rated meaning they can survive under 2 meter deep water for 30 minutes. It’s important to note that these ratings are achieved in laboratory conditions, so the best thing to do is avoid putting you iPhone near water altogether!


Which iPhone has the biggest screen?

The new iPhone 11 Pro Max and iPhone XS Max have the biggest screens of all the iPhone models, with a 6.5-inch OLED display. A close runner-up is the iPhone 8 Plus with a 6.2-inch display.

Which iPhone has the best camera?

The newest iPhone 11 has dual-lens setup with significant improvements in the camera settings. However, the new iPhone 11 Pro and Pro Max come with triple-lens camera which is the most advanced camera on an iPhone ever.

The iPhone X, XS and XS Max all have a dual 12-megapixel, rear-facing camera, as well as a 7-megapixel front-facing camera. This effectively means that all of the cameras are of equal quality. However, the XS and XS Max do have an upgraded processor, which means that they can process photos and videos faster than previous models.

Why choose loveit coverit

Providing gadget insurance for almost 30 years
In partnership with leading insurer AXA
All claims handled by our in-house team
No minimum contract
14-day money back guarantee
Unlimited claims and repairs

42% of iPhone users report Accidental Damage as the reason for their claim

loveit coverit‘s data has revealed that 42.2% of iPhone users reported accidental damage during 2016, twice as much as other phone users. Of all accidental damage claims including iPhones, 59.9% are for dropped devices.

With this in mind, it is more important than ever to make sure your iPhone device is kept safe and sound with iPhone insurance.

loveit coverit know that there are many ways that your phone can be damaged, whether you drop it in the street, drop it down the toilet or it simply decides to malfunction.

The unfortunate can happen even when you try your best to look after your phone, and that’s why loveit coverit are here to lend a hand. Go ahead and build your quote, and prevent yourself from becoming one of those statistics.

Frequently asked questions

Who provides the insurance?

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.

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.

If I make a claim, when will I receive my replacement mobile phone or tablet?

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 48 hours of a claim being approved.

Will my replacement mobile phone or tablet be the same model as the one I had?

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.

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 and maximum period of cover?

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.

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.

Can I insure non-genuine devices?

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).

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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