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iPhone insurance

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

loveit coverit
iPhone insurance

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

What is iPhone Insurance?

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.

iPhone 15 Insurance is now available with loveit coverit

loveit coverit iPhone insurance vs Apple Care+

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.

loveit coverit
Apple Care + with Theft and Loss
Time frame to buy
up to 36 months after purchaseup to 60 days after purchase
All iPhones Covered
Available in the whole of UK
Limited Claims
Worldwide Cover
Unauthorised usage cover
*only SE, XR,XS, 11, 12 and 13 lines
**unavailable in Channel Islands and Isle of Man
*** up to 2 Accidental Damage claims in a year and up to 2 theft/loss claims in a year


Do you need iPhone insurance?

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.


iPhone insurance explained


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.

Accidental damage

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

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.

Accessory cover

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*

Worldwide cover

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

Mechanical breakdown refers to failure of internal mechanical components of the device, such as the battery, buttons, or ports outside of manufacturer warranty.

Cracked screen

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

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.


How much does iPhone insurance cost?

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.

Find out the price


Why insure your phone with loveit coverit?

Over 30 years providing phone insurance

We’ve been in the insurance industry since mobile phones were the size of bricks, so you can trust your device in the hands of an experienced company. We cover all brands from iPhone insurance to Samsung Galaxy Insurance.

All claims handled by our in-house team

We’re always happy to help and we’re proud to offer an end-to-end mobile insurance service. All repairs and replacements are issued from our own technicians and supported by our friendly, UK-based customer care team.

No minimum phone insurance contract

We won’t tie you down with a 12 or 18-month contract unlike other insurance providers. With loveit coverit’s rolling contracts your policy is flexible and can be cancelled at any time, subject to terms and conditions.

Our 14-day money back guarantee

Provided you haven’t made a claim on your policy, you’ll receive a full refund if you cancel your mobile phone insurance policy within 14 days of the policy start date with the loveit coverit 14-day money back guarantee.

Insure more than one device, save 10%

More gadgets? More savings! Insure multiple devices with loveit coverit and get 10% off. Including phones, tablets, watches, laptops, headphones, cameras, and games consoles, just add more than one device at checkout.

Unlimited phone insurance claims + repairs

Many of our competitors only allow one or two claims each year. With loveit coverit, there’s no limit on the number of phone insurance claims you can make, regardless of whether it’s a claim for accidental damage, theft, or loss.

10% discount - when you insure more than one device

How often will you need to pay for your iPhone insurance?

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.

Excess on iPhone insurance

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.

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

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.


Advice and helpful information

Our policies are underwritten by Collinson Insurance (a trading name of Astrenska Insurance Limited). Astrenska Insurance is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority in the United Kingdom, under Firm Reference Number 202846

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.

We know that mobiles matter, which is why we’ll aim to get you yours within 24 to 48 hours of your phone insurance claim being approved.

Where possible, your replacement phone will be the same make, model, and colour as before. If this is not possible, or it’s no longer produced, we will provide a phone that’s as close as possible to the original in terms of value and features.

Your phone will either be brand new or refurbished as new – you won’t be able to recognise the difference though. It will also have a warranty.

If anything happens to your device, you can make a claim. Provided that the issue is covered under your phone insurance policy, you will typically pay an excess charge before sending the phone off for repair or replacement. This is a non-refundable cost charged for claiming on your policy.
The excess charge itself will differ depending on your mobile insurance policy, which is decided by your make and model. Essentially, the more expensive your phone, the more you’ll need to pay. If claiming for loss or theft, you may have to pay extra compared to if you were making an accidental damage mobile phone insurance claim.
To learn more about our excess rates, visit our table below.

View mobile excess table

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.

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.

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.

Step 1. Go to “Find My iPhone” on
Step 2. Click “all devices”. Select the device.
Step 3. Click Lost Mode
Step 4. Add the following message Please contact loveit coverit if found

Latest iPhone News

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Common exclusions with loveit coverit iPhone insurance

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:

We can’t insure your iPhone if it is already damaged
We can’t insure your phone if it is more than thirty six months old
We can’t insure your phone if it is not purchased from UK VAT registered company
We can’t insure your phone if you’re not a resident of the UK
We can’t insure your phone if it is grade B or C refurbished
We can’t accept your claim if you have not paid for your iPhone insurance

You can check the full list of exclusions to make sure your phone can be insured.

Last modified: 21st September 2023
Author: Jonathan Owen
Last modified: 21st September 2023

Author: Jonathan Owen