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
5-Star

Defaqto rating
4.8 / 5

Trustpilot score
Authorised by the Financial Conduct Authority
In partnership with AXA
iPhone insurance

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

1 Million+

Gadgets insured
4.8 / 5

Trustpilot score
Authorised by the Financial Conduct Authority
Get an instant quote
Model not listed?

Do you need iPhone insurance?

iPhones are one of the most expensive phone brands in the market, yet one of the most popular ones. Just imagine, if something happened to your £1400 iPhone – would you be able to pay for a replacement or repair it right away?

Phone insurance gives you the chance to pay a small monthly or annual premium and in case anything happens to your device, the insurer will repair it or replace it within days, without no extra cost( except the excess, which is usually from £30 – £175, depending on the device).

What does loveit coverit iPhone insurance cover?

Theft

Loss

Accidental Damage

Liquid Damage

Cracked Screen

Unauthorised calls up to £10,000

Accessories up to £175

Mechanical Breakdown

Worldwide Cover

Theft

Loss

Accidental Damage

Liquid Damage

Cracked Screen

Unauthorised calls up to £10,000

Accessories up to £175

Mechanical Breakdown

Worldwide Cover

We also offer

Unlimited claims

In-house customer service team

12-month warranty on replacements

Unlimited claims

In-house customer service team

12-month warranty on replacements

How much does iPhone insurance cost?

The price of iPhone insurance depends on your phone model – the higher the retail price, the higher the cover.

Find out the price

10% discount - when you insure more than one device

Our Cover

Insurance might seem like something really difficult to understand. This section will explain each cover so you know what you're insured for.
Accidental Damage
Our comprehensive cover will repair or replace your iPhone if you accidentally damage it.
Liquid Damage
If you accidentally wash your iPhone with your laundry or drop it in the toilet, we will repair or replace it.
Cracked Screen
If you've dropped your phone and cracked the screen, don't worry, we will get it repaired.
Loss
We will replace your device with the same one if you happened to lose your iPhone.
Theft
If someone has taken your iPhone away from you, we will send a replacement device to you.
Accessory Cover
If you had any accessories attached to your iPhone while it was damaged, stolen or lost, we will replace them.
Mechanical Breakdown
If an electrical or mechanical fault occurs, we will repair or replace your iPhone.
Airtime Abuse
Our iPhone insurance covers the cost of unauthorised calls made following the theft of your phone.
Worldwide Cover
If something happens to your phone while you're abroad, we will take care of it.

How often you pay

This depends on which policy you have chosen – monthly or annual. If you’ve chosen monthly policy, you will have to pay once a month, on a date most convenient for you. If you’ve chosen annual policy, you will have to pay once a year.

NB We don’t take any payments in the first 14 days after policy start date, therefore first two payments might be taken in the same month (if you’ve chosen monthly policy). Don’t worry if this happens, after the 1st month you will only have to pay once a month.

Excess

If you have to make a claim, you will have to pay excess. Excess usually depends on your iPhone model and claim type. Higher priced iPhones and lost and theft claims have a higher excess, while cheaper iPhones and accidental damage claims have lower excess.

See excess table

How does the age of your handset affect the cost of iPhone insurance?

Usually the older the iPhone gets, the cheaper it gets. We always check the changes in selling price of iPhones so that we can offer the most competitive price for you. However, you have to remember that we only insure iPhones up to 36 months old.

Common exclusions with loveit coverit iPhone insurance

The most common iPhone insurance exclusions are:

We can’t insure your iPhone if it is already damaged

We can’t insure your iPhone if it is more than thirty six months old

We can’t insure your iPhone if it is not purchased from UK VAT registered company

We can’t insure your iPhone if you’re not a resident of the UK

We can’t insure your iPhone if it is grade B,C refurbished

We can’t accept your claim if you have not paid for your iPhone insurance

See the full list of exclusions

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 24 to 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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