Comparing AppleCare+

For a few years now, Apple have offered some form of protection for all of their handsets.

AppleCare+ provides two levels of mobile phone protection, with their insurance policies also giving priority technical support for the iPhone.

Whilst Apple's devices are no doubt some of the best around - we've looked at how their insurance compares to our own.

What is AppleCare+?

AppleCare+ is Apple's version of insurance. You have numerous cover levels to choose from, which include normal benefits such as damage, breakdown, loss and theft. You can choose to pay monthly, or take their 2 year policy to protect you for the life of a normal contract here in the UK.

The insurance comes embedded within the handset when you activate it. One slight drawback is you can only take the cover if you activate it within the first 60 days of getting your phone. You'll also need to authenticate your device and run a diagnostic to ensure it's working correctly.

Is AppleCare+ worth it?

Like with any insurance policy, AppleCare+ gives you the peace of mind that your phone is protected with the added benefit that if something happens, the maker of your device - i.e. Apple, is responsible for repairing it.

We suggest that you consider the wider policy benefits, any exclusions, and not to mention the cost, to ensure that you are getting value for money.

AppleCare+ provides a monthly policy or cover for 2 years, so we've compared the AppleCare+ 2 year policy against the cost of our own annual Full cover policy over 2 years.

See the below table for the comparison of costs for AppleCare+ with Theft and Loss against our own Full Cover policy. Costs for different storage sizes will vary.

iPhone Model	AppleCare+ with Theft & Loss	Insurance2go (Full Policy)
iPhone 13 (128GB)	£189 (2 years)	£139.80 (2 years)
iPhone 13 Pro (128GB)	£239 (2 years)	£159.80 (2 years)
iPhone 12 (64GB)	£189 (2 years)	£139.80 (2 years)
iPhone 11 (64GB)	£189 (2 years)	£109.80 (2 years)
iPhone SE (2022) (64GB)	£119 (2 years)	£109.80 (2 years)

Prices correct at the time of publishing - July 2022
Table above based on Full cover annual policy across 2 years, based on our middle tier excess.

Don't forget to consider the excess fees applicable to each policy as well when comparing prices. The excess fee is your contribution to the repair or replacement of your phone, which normally varies on the type of model you have.

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AppleCare+ with Theft & Loss vs our Full Cover

If you have an iPhone and you want to ensure that it has the right protection, with high quality repairs and replacements, there are a few options open to you. For example, you could insure your iPhone directly from Apple, and you could also look at network providers such as Vodafone who provide insurance with AppleCare Services and EE who offer AppleCare+ with their iPhones.

Before you jump straight in and buy any insurance plan, we’d suggest you take a little time to consider which one is right for you.

We've compared the different elements of the AppleCare+ cover to our own policy below to give you a view of the most important parts of the cover.

	AppleCare+ with theft and loss	Insurance2go
Excess costs	Accidental Damage – Screen Only (Excess: £25) Accidental Damage – Back Glass Only (Excess: £25 all iPhone 12 and 13 models ONLY) All other accidental damage (Excess: £79) Theft and loss (Excess: £109)	We provide flexible excesses for a variety of makes and models, our Full policy will help cover for all types of accidental damage claims and repair or replacements. Choose a higher excess and a lower premium, or if you feel like you're more likely to claim, than a higher premium and lower excess when you come to claim, which may suit your needs more. Excess amounts are dependent on device model and storage size.
Can the insurer cancel my policy?	Apple can cancel your policy anytime after one month’s notice in the event that: “Apple is no longer able to service your covered equipment or any Apple branded device of equivalent functionality”. Theft and loss coverage, hardware and technical support coverage will end 24 months from the date you purchased your policy.	Insurance will only be terminated upon the policyholder’s instruction at any point during the lifetime of the policy or any ongoing claim. In the event that we are unable to repair your phone, we will provide a replacement of either the same make and model as the original or a similar one.
How can I claim?	A maximum of two accidental damage claims, for theft and loss also provides coverage for up to 2 theft and loss claims per year, starting from the date of your policy inception.	Unlimited claims
What is covered?	Cover is provided for accidental damage, breakdown, theft and loss.	Cover is provided for accidental damage, breakdown, theft and loss.
When can I cancel the policy?	Customers can cancel the policy anytime.	Customers can cancel the policy anytime.
What is covered?	Cover is provided for accidental damage, breakdown, theft and loss.	Cover is provided for accidental damage, breakdown, theft and loss.
When can I purchase the insurance?	AppleCare+ can be bought at the time of purchase or within the first 60 days of purchasing the phone.	Insurance can be bought at any time as long as the phone that you’d like to insure is no more than 36 months old, was bought in the UK and is in good working condition.
Theft & Loss cover	Apple say that their theft and loss coverage requires you to have Find My iPhone enabled at the time it is lost or stolen, it should remain enabled and your iPhone should remain associated with your Apple ID throughout the theft or loss claims process.	For theft or accidental loss, you must also contact your network provider to blacklist your phone. If a theft claim you'll need to notify the police and provide a copy of the crime report. For loss, we may accept other lost property evidence of the lost property reference.

Information correct at the time of publishing - July 2022

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How much does AppleCare+ cost?

The price of AppleCare+ depends on the value of your iPhone. For example, the iPhone 13 Pro (128GB) costs £189 for AppleCare+ or, £239 for AppleCare+ with Theft & Loss.

The table below provides a guide for other iPhones (entry level storage size) based on AppleCare+ and AppleCare+ with Theft and Loss 2 year policy.

iPhone Model	AppleCare+	AppleCare+ with Theft & Loss
iPhone 13 (128GB)	£139	£189
iPhone 13 Pro (128GB)	£189	£239
iPhone 12 (64GB)	£139	£189
iPhone 11 (64GB)	£139	£189
iPhone SE 3rd generation (64GB)	£69	£119

Prices correct at the time of publishing - July 2022.

As above, both AppleCare+ policies like all insurance policies have excess fees applicable, which normally varies on the type of model you have, please bear this in mind when considering insurance for your iPhone.

If you are looking for the price of AppleCare+ for your device(s) click here.

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Policy features

We'll cover your new or refurbished devices brought in the UK within the last 36 months, as long as they were purchased with a 12-month warranty.

If your screen gets cracked or the headphone jack breaks, we’ll repair it. If it’s not repairable, we’ll replace it.

If your phone has a mechanical breakdown, for example it stops working and it’s out of warranty, send it to us, we'll repair it - if it’s not repairable, we’ll replace it.

If someone outside your immediate family damages your phone, we've got you covered. We’ll either repair your phone, or, if that's not possible, replace it.

Your phone is covered if it gets damaged by liquids.

Wherever you go in the world, provided that this is in line with current government guidance, our worldwide cover goes with you.

If you accidentally lose your phone while you're covered with us, we’ll replace it for you.

We’ll replace your phone if it’s stolen.

You're covered for up to £100 if your eWallet is used to make unauthorised contactless payments.

You’re covered for up to £1,000 worth of unauthorised calls, texts and downloads made in the first 24 hours after the loss or theft of your phone.

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Cracked Screen
Not just a bad look, a cracked screen can make your iPhone unusable, and could mean internal damage too.
Liquid Damage
Liquids are hazardous to the inner workings of mobile phones. If any type of fluid gets inside and damages your device, your iPhone insurance covers repairs and/or replacements.
Physical Damage
The randomness of life means your iPhone could get damaged at any time. If it does, we'll fix or replace it. It'll need to be more than just cosmetic damage which won't be covered by your insurance.
Theft & Loss
We can't recover your iPhone, but if you have Theft & Loss cover we may be able to replace it. Always make sure the policy is right for you before you buy.
Unresponsive or blank screen
Sometimes an iPhone develops a fault that stops it responding, no matter what you do. When you can’t make anything happen, it’s good to know you’re insured by people who can.
Worldwide cover
Many of us take a least one phone with us when travelling. A specialist insurance policy provides cover whilst you travel, giving you the same cover as if at home.

Compare phone insurance

We've compared phone insurance cover and prices from manufacturers, network providers and more.

Samsung Care+

EE insurance

Phone network price page

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Which iPhones can you insure with us?

In short, all of them - even the latest iPhone. We can insure new or refurbished iPhones, you just need to check that this was bought in the UK, is under 36 months old and in good working order.