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 our insurance will cover it.
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.
Apple Care + with Theft and Loss
Time frame to buy
|up to 36 months after purchase||up to 60 days after purchase|
All iPhones Covered
Available in the whole of UK
Unauthorised usage cover
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.
Mobile phone loss refers to the absence of your mobile device due to misplacement, or other accidental circumstances that result in its absence.
Mobile phone theft insurance means you can be protected against unauthorised usage and receive a replacement device if your phone is stolen.
Unexpected and unintentional physical harm to a mobile device, such as a cracked screen or liquid damage. Which is not covered under warranty.
Airtime abuse can occur when a phone is lost or stolen, and refers to the unauthorised excessive use such as making calls, sending messages, or using data.
Should something happen to your mobile phone, we’ll also cover any accessories attached to it worth up to £175 such as a case, charger or wired headphones*
Your phone will be insured within the UK, Northern Ireland, Isle of Man, Channel Islands and the Republic of Ireland and unlimited cover for one year worldwide.
Mechanical breakdown refers to failure of internal mechanical components of the device, such as the battery, buttons, or ports outside of manufacturer warranty.
A cracked screen can affect the functionality of a phone whether it’s a slight crack or a full-blown smash, we’ll get your device’s display back in working order.
Liquid damage to a mobile phone refers to accidental harm caused by exposure to liquid like water, coffee, etc. Resulting from a dropped phone or spills.
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.
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 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.
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.
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:
You can check the full list of exclusions to make sure your phone can be insured.