iPhone insurance

iPhone Insurance

Here at loveit coverit, we’ve been providing iPhone insurance 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 iPhone insurance as the device has evolved.

We understand just how much iPhone users love their phone and we know how upsetting it can be to lose your iPhone, or have it damaged or stolen. Cover your device with us, and you will love knowing that your phone is covered by a company that really knows their stuff when it comes to iPhone insurance.

With the new iPhone 8 64GB and iPhone 8 128GB recently revealed, don’t forget to get insurance for your new handset.

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why choose loveit coverit
  • Leading supplier of insurance for over 13 years
  • We never outsource your claims
  • Rated No.1 by MoneySuperMarket
  • 95.45% of claims accepted
  • Only insurer to include loss as standard
  • Unlimited claims and repairs
compare iphone insurance

We compared our cover including loss with other insurers. Prices were checked on June 1st 2017 on an iPhone 7 32gb. Excess based on claim for accidental damage.

Insurer Accessory Cover Minimum Term Unlimited Claims Excess Worldwide Cover Airtime Abuse Price
loveit coverit £300 1 Month £25 Unlimited £10,000 £7.49
American Express £150 1 Month £50 90 Days £8.00
Protect Your Bubble 1 Month £50 Unlimited £10,000 £9.49
Gadget Cover £150 12 Months £75 180 Days £2,500 £8.99
Debenhams £150 1 Month £50 120 Days £2,500 £8.50
SwitchedOn £150 1 Month £50 120 Days £2,500 £7.50
CoverCloud 12 Months £50 90 Days £1,000 £7.49
TinHat £150 12 Months £50 90 Days £2,500 £7.49

The evolution of the iPhone

From the original iPhone to the iPhone X, we take a look at how the device has developed over the past decade.

How do I get mobile phone insurance in just 3 simple steps?

We love to make things easy, and purchasing cover for your mobile phone or tablet is quick and simple. Just select your quote – and before you know it you will have immediate cover you’ll love!

How does it work?
We love to give you choice to suit your lifestyle, and our range of products does just that!

insure your iPhone with loveit coverit

You never know when something bad could happen to your iPhone. However, you can guarantee that it will always be an inconvenience. Without a high-quality iPhone insurance policy, you may be left without your phone for a significant amount of time. For technology lovers who really adore their device, this can be heart-breaking.

But never fear, because loveit coverit is here to offer you an iPhone insurance policy that is perfect for you. It’s quick and easy to claim and you will always be connected to a UK-based customer care team. So, when you choose loveit coverit, you will never be separated from your iPhone for too long.

In a matter of minutes you can insure your iPhone to protect it against mechanical breakdown, accidental damage, theft, loss and liquid damage. There are two different policy types to choose from at fantastically affordable prices; this is exactly why so many mobile phone users adore loveit coverit.

loveit coverit are proud to provide our customers with no-nonsense iPhone insurance policies. We know our users don’t want overcomplicated and jargon-stuffed policies, which is why we always strive to be straight to the point. With loveit coverit, you can rest assured that you will always receive a clear and concise policy.

We have been delivering insurance to customers in the UK for over 13 years and it is our mission to make the process easy for modern tech users. If you use your iPhone on a daily basis, we understand that being without it can be incredibly frustrating. But with an iPhone insurance policy from us, you can feel confident that loveit coverit has got your back should the worse happen to your handset.

what's covered
Protect your investment

For many, taking out iPhone insurance seems like an unnecessary luxury. It’s all too easy to believe that nothing bad will happen to your handset- especially if you have a great track record so far. However, accidental damage, mechanical damage, theft and loss are more common than you may believe and it can be all too easy to underestimate the cost of repair and replacement.

Without iPhone insurance you’re likely to be left severely out of pocket should something unexpected happen to your device. A brand new replacement iPhone will set you back at least a few hundred pounds. Buying a restored device may seem like a sound investment, until you realise the phone has had a low quality restoration. There’s nothing worse than paying twice for a new phone when an iPhone insurance policy from loveit coverit could have saved you the money and the hassle.

Think that having your phone repaired won’t be much of a problem should accidental or mechanical damage occur? Think again. Smashed screens are one of the most common accidental damage claims and without insurance screen repair can cost up to £126, depending on your iPhone model. That’s a price tag that is guaranteed to come as a nasty shock should your iPhone accidentally slip out of your hand in the street.

Your iPhone is an investment and we truly believe that insurance is the best way to protect the money you have put into your device. Many would rather dip into their ‘rainy day’ fund to pay out for any necessary repair or replacement. However, this approach can often cost you more for a low quality result – especially if you are considering using high street third party shops.

At loveit coverit, we repair and refresh all of our phones to the highest possible standard. We ensure that all of the devices we repair and restore look and operate as though they were new before we send them out to our customers. So, when you invest in iPhone insurance with us you can feel confident you a receiving an excellent repair or replacement for your money.

Don’t leave your iPhone in the hands of repair cowboys, or pay again for the device that you love – iPhone insurance with loveit coverit means you don’t need to worry about the device you adore. Don’t just wait for the unexpected and pay a large bill; protect your investment with us.

Common iPhone faults

It’s quite often that our customers claim for common iPhone faults that can often be resolved at home. So, before you claim on your iPhone insurance check this list to see if there is a quick and efficient fix:

My iPhone keeps turning itself off:

One of the most infuriating iPhone faults is when your phone decides to keep switching off. If your iPhone is rebooting unexpectedly we recommend checking your settings: Settings > General > Reset All Settings

Your iPhone will likely prompt you to enter your Apple account information, but don’t worry – you shouldn’t lose any of your pictures, videos or apps. With any luck this should stop your phone from randomly restarting.

My iPhone camera won’t work:

We understand just how much our customers love their iPhone cameras, so we can understand how annoying it can be should it decide to stop working. Quite often iPhone users don’t realise they have certain restrictions turned on, hindering the usability of the camera. Try this fix to resolve it:

Settings > General > Restrictions > Check the “allow camera” function is turned on. If it is already turned on, try turning it off and on again.

If this doesn’t work you can try restoring your iPhone in iTunes, but make sure you’ve backed up your data beforehand.

My iPhone keeps overheating:

Every now and again your iPhone may send you a notification saying that it’s too hot. Don’t panic! Long periods of use or leaving your iPhone out in the sun can cause this problem. However, if your iPhone is still overheating even if it’s not in use and it’s in a cool environment, there may be cause for concern.

If your iPhone is overheating try removing the case to give your phone a chance to cool down. It also makes sense to shut down any apps you may be using and also turn off the Wi-Fi. If the temperature situation doesn’t improve and the heat notification is still displaying, it may be best to turn your device off completely.

My iPhone screen is frozen:

If you use your iPhone daily then being unable to use the screen properly can be a major setback. But this annoying problem is more common than you think. If you’ve recently done an iOS update then your phone will be more prone to freezing.

If the touch responsiveness of your phone does not seem to be working and turning it off and on again doesn’t work, you’re going to need to try a hard reset.

Hold the home key and the sleep button at the same time your phone should show the Apple screen and turn off.
Try this process a few times before you write off your iPhone. This fix often works after a few times.

frequently asked questions

Can I trust loveit coverit?

Yes! loveit coverit is a specialist provider of mobile phone and tablet insurance policies direct to the consumer. The company is part of Pier Insurance Managed Services Ltd, Evolution House, New Garrison Road, Shoeburyness, Essex, SS3 9BF.

Pier Insurance Managed Services Ltd is authorized and regulated by the Financial Conduct Authority. FCA registration no. 311798.

Who provides the insurance?

The insurance is arranged and administered, including claims management, by Pier Insurance Managed Services Limited with UK General Insurance.

Who takes the money from my account or credit card?

We will appear as Pier Insurance on all banking statements.

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.

How do I cancel my policy?

You may cancel your policy at any time by contacting us on 01702 568081 or by emailing support@loveitcoverit.com.

I have moved – should I let you know?

Yes, please contact us and we can then send out a new policy schedule for your own records.

I have missed a payment – what should I do?

Contact us immediately on 01702 568081 so that we can reinstate your policy and ensure that your mobile phone and/or tablet remains on cover. Otherwise, you may find we will not consider any claims during the period.

What’s not covered?

Please check through both the Policy Excess, and Key Exclusions and Limitations to check for what is not covered by your policy.

How do I make a claim?

You can notify us of your claim by completing the claim form or call our dedicated Claims Line on 01702 568081.

What do I need to do to support my claim?

Provide us with your proof of purchase which must include the date of purchase, IMEI  or serial number of the mobile phone or tablet, and be in your name.

If I need to send in a damaged handset where should it go?

First, make a claim and we will provide the necessary guidance to get your device to the best possible repairer. Just make sure you remove the SIM card, battery and any other accessories before you send it away for it’s repair.

My mobile phone has stopped working – what do I do?

First, make a claim, and if the issue falls within your Terms & Conditions we will advise you about the next steps. If your mobile phone or tablet has simply stopped working, you should contact the manufacturer as the issue is likely to be covered under the manufacturer’s warranty.

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 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.

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.

How do I make a complaint?

Naturally, we pride ourselves on the quality of our service, and the products we offer. However, should you need to make a complaint, please write to The Scheme Administrator at loveit coverit, Evolution House, New Garrison Road, Shoeburyness, Essex, SS3 9BF.

You can also telephone us at 01702 568081 or send an email to support@loveitcoverit.com

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.

What if I am not happy with my replacement device?

While we always aim to provide complete customer satisfaction, we understand that sometimes things don’t turn out the way we expect. In these cases, we would love to hear from you so that we can understand what went wrong and how to improve our service.

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.

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).

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.

I have just changed / upgraded my iPhone. How do I update my policy?

Please call our Customer Support line on 01702 568081 with your policy number and the make and model of your new phone. We will then update your policy schedule.

Where are the terms and conditions for my iPhone insurance policy?

These were sent to you by email upon completing your purchase. These are also available here – Policy Terms & Conditions.

When will my iPhone cover start?

Your iPhone cover will begin as soon as your online transaction has been completed and subject to policy Terms & Conditions.

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.

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.

My iPhone is lost or has been stolen – what should I do now?

Don’t panic – notify your network provider and let them know so you can have your iPhone barred to protect your minutes. Then report the loss or theft to the police within 24 hours, and make sure to obtain the crime reference number. Finally, get in touch with us either by completing the online claim form or by contacting us on 01702 568081.

If you are abroad, don’t forget to inform the local authorities – you will need to obtain a Police Report to support your claim.

I have found my iPhone and no longer need to claim!

Great! Please share the great news with us and we will ensure that your claim is withdrawn. If a replacement iPhone has been sent, send it back in the original box and any excess that may have been paid to us will be refunded to you immediately.

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.