- 1 million devices insured
- In-house customer care team
- 5-Star Defaqto & 8.8 Rating on Trustpilot
- 30 years’ experience
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:
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.
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.
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. 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!
The new iPhone XS Max has the biggest screen of all the iPhone model, with a 6.5-inch OLED display. A close runner-up is the iPhone 8 Plus with a 6.2-inch display.
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.
Please check through both the Policy Excess, and Key Exclusions and Limitations to check for what is not covered by your policy.
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.
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.
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.
The insurance is arranged by Pier Insurance Managed Services Limited and Underwritten by Inter Partner Assistance SA (IPA) which is fully owned by the AXA Partners Group.
We will appear as Pier Insurance on all banking statements.
We're a trusted, specialist provider of mobile phone and tablet insurance policies direct to the consumer. loveit coverit is part of Pier Insurance Managed Services Ltd, Evolution House, New Garrison Road, Shoeburyness, Essex, SS3 9BF.
Pier Insurance Managed Services Ltd is authorised and regulated by the Financial Conduct Authority. FCA registration no. 311798.
Yes! Please call us on 01702 568081 or email us at email@example.com and we will be happy to help.
We all had a fairly clear idea of what to expect from the next Apple flagship device and they didn’t disappoint. The iPhone Xs, successor to the popular iPhone X, has a 5.8-inch OLED super retina display with rounded corners and is covered in more durable glass. It comes in gold, silver and space grey and is dust and water-resistant up to 30 minutes in 2 metres of water.
Apple Watch Series 4
The number one smartwatch in the world has had an upgrade. The next generation Apple Watch has a rather beautiful design, including a new, larger, edge-to-edge display with curved corners. It’s also thinner, meaning even more information can be seen without it feeling bulky. The new watch face is customisable and all previous bands will fit the Series 4. It will come in silver, gold, space grey, stainless and a brand-new gold stainless finish. While the battery life remains the same, the speaker has been redesigned to be 50% louder than before and 64-bit dual core is twice as fast. The black ceramic and crystal back now lets radiowaves to move through the front and the back, allowing for improved cellular connection. This smartwatch is swim-proof, automatically detects when you are working out and scans in the background for an elevated or unusually low heartrate. What’s more, it can now detect if you’ve had a fall and can initiate contact with emergency services. Taking this smartwatch to the next level, is its ability to take an electrocardiogram (ECG) simply by putting your finger on the digital crown.
The Apple Watch Series 4 starts at £399 and is released on 21st September.
iPhone Xs & Xs Max
We all had a fairly clear idea of what to expect from the next Apple flagship device and they didn’t disappoint. The iPhone Xs, successor to the popular iPhone X, has a 5.8-inch OLED super retina display with rounded corners and is covered in more durable glass. It comes in gold, silver and space grey and is dust and water-resistant up to 30 minutes in 2 metres of water. The Xs’ design is smaller but has a large display, which is its highest quality yet. It has 30 minutes longer battery life than previous releases.
The iPhone Xs comes in a supersized version, which Apple have crowned the iPhone Xs Max. As the rumours suggested, this model has a 6.5-inch super retina OLED display. Creating a cinematic video experience, coupled with a richer stereo sound, it also enables a split-screen view when used horizontally. Both models are available with 512 GB storage and feature the new, powerful A12 bionic 7-nanometer chip, which can process up to 5 trillion operations per second. The Xs Max has an hour and a half longer battery life than previous releases and features dual sim capability. The dual 12MP camera on the Xs and the Xs Max features zero shutter lag, auto-focus, optical image stabilisation. Its true depth camera with smart HDR also features a new depth of field slider. In short, the iPhone Xs series pays homage to its soon-to-be extinct predecessor in its aesthetic design, but with bigger, better and quicker software advancements.
The iPhone Xs starts at £999, while the Xs Max starts at £1099. Both will be released on 21st September.
Lastly, Apple unveiled its cheapest phone in the 2018 line-up. This model is made from aluminium and has more durable glass too, however it has a 6.1-inch edge-to-edge LCD display, meaning you’ll get the feel of an iPhone X, at a cheaper price point. Apple’s most advanced LCD display yet, which they’ve dubbed the liquid retina display, includes haptic touch rather than 3D touch. This model has a single 12MP wide angle camera system and in portrait mode you can achieve a distinct background blur. The Xr is dust and water-resistant and lasts up to an hour and a half longer than the iPhone 8 Plus. It will be available in white, black, blue, coral, yellow and red. All three devices will come with Face ID.
The release date for the iPhone Xr is the 26th October and prices start at £749.
With a starting price of £999, the iPhone X is arguably the most expensive phone currently on the market and it seems as though other smartphone providers are following suit. Unfortunately, higher price tags on the latest handsets also means that repair costs are increasing.
With a starting price of £999, the iPhone X is arguably the most expensive phone currently on the market and it seems as though other smartphone providers are following suit.
Unfortunately, higher price tags on the latest handsets also means that repair costs are increasing, especially when it comes to replacement screens. Our infographic shows how the cost of repairing your device is rising and why it really does pay to get insurance for your iPhone.