iPhone insurance

Name: iPhone Insurance
Brand: Apple
SKU: iPhone Insurance
Rating: 4.7 (929 reviews)

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

1 Million+

Devices insured

30 Years

Industry experience

5-Star

Defaqto rating

4.7 / 5

Trustpilot score

Authorised by the Financial Conduct Authority

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

1 Million+

Devices insured

30 Years

Industry experience

5-Star

Defaqto rating

4.7 / 5

Trustpilot score

Authorised by the Financial Conduct Authority

iPhone insurance

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

1 Million+

Devices insured

30 Years

Industry experience

5-Star

Defaqto rating

4.7 / 5

Trustpilot score

Authorised by the Financial Conduct Authority

Get an instant quote

Now, select your model

Loss included as standard

We’re one of the few insurance providers to offer loss as standard.

Unlimited claims

We provide unlimited repairs and replacements on all our insurance policies.

12-month warranty on replacements

We offer a hassle-free 12-month warranty on all replacement devices.

Quality insurance from a company you can trust

Our specialist iPhone policies cover older models through to the latest iPhone 11 and iPhone 11 Pro handsets and the up-and-coming 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 and Loss Cover as standard in our policies, giving you peace of mind!

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. Even your Accessories are included, and you’ll also be protected from unauthorised calls.

10% discount - when you insure more than one device

Insure your iPhone

Popular handsets

iPhone 8

iPhone X

iPhone XR

iPhone XS

iPhone 11

iPhone 11 Pro

Our Cover

Accidental Damage

Accidents happen. But when they happen to your iPhone, our comprehensive cover gives you peace of mind and financial reassurance.

Liquid Damage

Nothing attracts water quite like high-tech gadgets. Protect your iPhone against liquid damage and we’ll get it repaired or replaced.

Cracked Screen

Dropped or knocked your iPhone and the screen is cracked or not working properly? Don’t worry, we will get it repaired!

Loss

Prone to losing things? Our loss cover can provide that added level of protection which we include in our policies as standard.

Theft

We offer a replacement iPhone and 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.

Mechanical Breakdown

We’ll cover your iPhone if an electrical or mechanical fault 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. loveit coverit are one of the few providers to offer Loss as standard.

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 call us on 01702 568081 or 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.

From our blog

What is 5G and how will it impact us?

The 5G network has finally launched in the UK. It has been welcomed with excitement and appreciation of its speed together with a bit of disappointment with its current coverage and concerns about its impact on health. Therefore, we wanted to see what the real advantages and disadvantages of 5G are.

What is 5G?

According to TechRadar 5G networks are the next generation of mobile internet connectivity, offering faster speeds and more reliable connections on smartphones and other devices. 5G is currently available in 6 cities: Belfast, Birmingham, Cardiff, Edinburgh, London and Manchester and EE is the only 5G service provider in the UK at the moment. Vodafone, O2 and Three are planning to launch the service later this year.

Benefits of 5G

As promised before the launch, the speed of 5G network is significantly higher than the one of 4G. Even though the coverage of the network is not that great yet, in certain locations 5G proved to be even ten times faster than 4G network. To give you an idea, in some parts of London, people were able to download entire episodes of Netflix shows in just seconds. Amazing, isn’t it?

If you like to watch TV shows and movies online, there is nothing more annoying when the show keeps buffering. With 5G, the waiting for content to buffer will be history. It is forecasted that download speeds could reach 1Gbps which means that full 4K movies will download in a matter of minutes.

But speed is not the only benefit of 5G. The network will be able to connect every device that can receive a radio signal. It means that, for example, cars will be able to communicate with other cars, drones, traffic lights and road sensors. This could significantly decrease the number of car accidents and annoying traffic jams.

Main concerns around 5G

However, it is not all roses and rainbows when it comes to 5G, and it has received some share of criticism and concerns. The biggest concern is the coverage of the network. While it has been introduced in only 6 cities of the UK, the coverage there isn’t particularly great. If you might think that going to a city with 5G means having it everywhere – you are wrong. According to Cnet large parts of the center of the town in Manchester weren’t even covered by 5G (Even the city’s main station!!). It might take some walking around and testing to do to get the speed everyone’s been talking about, and let’s be honest, no one really wants to do that. In other 5G-covered cities London and Cardiff, 5G speed was sometimes beaten by 4G.

Another concern brought up quite a lot recently is the network’s impact on our health. According to Cnet, Belgium Government halted a 5G test in Brussels over concerns that radiation from the 5G base stations could be harmful. The Netherlands and Switzerland are also taking extra steps to monitor 5G’s impact on people. The root of these doubts is the fact that many more 5G network cell towers have to be deployed much closer to where people live than it was for other networks and that the high-frequency spectrum therefore could cause health problems. The phone industry claims that the network is not harmful, but the debate on this continues. Since the network is just recently introduced many tests must be carried out to actually see whether the 5G network poses any health risks to people.

I want 5G now

Currently only EE is offering the 5G service in the UK. So, if you are a loyal Three, O2 or Vodafone customer you would have to wait until a bit later this year. There are some phones available with 5G service – One Plus 7 Pro 5G, Samsung Galaxy S10 5G, Oppo Reno 5G and LG V50 ThinQ. However, if you want to try the 5G network, the wisest thing to do now would be to wait a bit. The reason for that is the patchy coverage and a limited choice of phones supporting the network. If you are very impatient and can’t wait, make sure that you live in a 5G covered area in the before-mentioned 6 cities and have a smartphone supporting 5G.

To conclude, it is very early to be able to state all benefits and disadvantages of 5G. Undeniably, it is a step forward to a more technologically advanced world and we are very excited to see what the future holds.

If you are thinking about getting a 5G supported device, loveit coverit are offering comprehensive insurance policies over here.