Find cover for your iPhone with Comparison Creator
Apple iPhones don’t come cheap, but iPhone insurance could help cover the cost if yours is lost, stolen or damaged.
If you’re one of the one billion people who owns an iPhone, insurance will cover you for the cost of repairing or replacing your handset if it's lost, stolen or damaged.
It’s up to you whether you choose to insure your iPhone, but think about if how you could afford to pay to repair or replace it without insurance if something goes wrong.
As iPhones tend to get more expensive each year, mobile phone insurance can give you valuable peace of mind that it’ll be repaired or replaced if it’s broken, lost or stolen.
If you’ve locked yourself into a long-term mobile contract to pay for your iPhone, you’ll have to keep paying it, even if you no longer have the phone.
iPhone insurance can cover the cost of a replacement, so you’re not left paying for a lost or broken phone and having to pay for a new one at the same time.
It’s certainly worth considering getting iPhone cover if:
Check your policy documents to see exactly what’s included and what isn’t.
Your iPhone insurance should cover:
As long as you haven’t been negligent or reckless.
This means if you accidentally crack your screen, your insurer will pay for repairs or replacement.
If your phone develops a mechanical fault outside of the manufacturer's warranty period.
If all members of your household own iPhones, you can insure all the phones under one policy. Make sure you read the small print carefully as some insurer’s don’t cover children’s phones.
Standard phone insurance may become invalid if you leave the country. If you're planning to go abroad, worldwide phone insurance will cover you for a limited number of days.
Again, as long as you haven’t been careless with your phone, theft should be cover.
If you drop your iPhone while you’re soaking in the bath.
For any accessories that get damaged, lost, or stolen at the same time as your iPhone.
Some insurers won’t cover the cost of anything during the first two weeks, but instant cover can mean that you can make a claim straight away although you may have to pay a higher excess.
If there are unauthorised calls or payments made with the iPhone after it’s reported as stolen, then costs will be covered Check your policy documents to see exactly what’s included and what isn’t. They’ll also tell you whether your insurer will give you a replacement phone or repair yours if something happens to it.
The cost of your premium will depend on model of phone, the level of cover, the excess you choose and whether the policy is paid in full or monthly.
You’ll need to get some quotes to find out exactly how much you’ll pay, but these are some average costs:
|Device||Average monthly cost||Average annual cost|
|iPhone 12 Pro Max 128GB||£10.75||£112.21|
|iPhone 12 Pro 128GB||£9.29||£96.91|
|iPhone 12 64GB||£8.19||£85.17|
|iPhone 11 Pro Max 64GB||£10.69||£109.12|
|iPhone 11 Pro 64GB||£10.11||£102.46|
|iPhone 11 64GB||£7.76||£80.82|
|iPhone SE (2020) 64GB||£6.75||£69.86|
 Average mobile phone insurance costs are based on quotes from ProtectYourGadget.com, conducted on the 14 April 2021. All quotes are based on combined theft, loss and accidental damage cover.
To start comparing quotes, you’ll need:
Device, brand, make and model
Things like name, date of birth and your address
Choose to cover your phone for loss, accidental damage and/or theft
Whether you want to pay monthly or annually
What’s excluded depends on the provider, but these are some common exclusion:
There are multi-gadget policies available if you want to insure an iPad or MacBook.
iPhone gadgets and accessories are usually covered by a phone insurance policy, but the cover is usually limited to £150.
The best way to ensure you never have to make an iPhone insurance claim is to make it difficult for thieves to steal and protect your phone against breakages.
Use a passcode on your handset and Sim to make it harder for thieves to use and Install Find My iPhone app. This will let you use any iOS device to find it and protect your data. Find My iPhone will help you locate your missing device on a map, remotely lock it, play a sound, display a message, or erase all the data on it.
Store your phone securely when you’re in public, for example in a zipped pocket or bag.
Finally, invest in a case and screen protector to protect it from drops and spillages.
Home insurance may extend to your iPhone, but only when it’s actually in your house, unless you have cover for personal possessions away from home.
It could be a more cost-effective option to add your phone to your existing home policy.
Cover may not be as extensive as a specialist mobile phone policy. It’ll exclude things like cover for loss of data, damage outside the home or fraudulent activity after a theft.
Gocompare.com introduces customers to Comparison Creator Limited, who is authorised and regulated by the Financial Conduct Authority (FCA) as an Authorised Representative of Moneyshake.com Limited. Gocompare.com's relationship with ComparisonCreator.com Limited is limited to that of business partnership, no common ownership or control rights exist between us.