AppleCare+ UK Insurance Provider Comparison

Comparing AppleCare+

Apple now offers some form of protection for all its handsets.

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

While Apple devices are no doubt some of the best around, we've looked at how its insurance compares to our own.

What is AppleCare+?

AppleCare+ is insurance exclusive to Apple devices. You have numerous cover levels to choose from, which include normal benefits such as damage, breakdown, loss and theft. You can either pay monthly or take out its two-year policy to protect you for the life of a normal UK phone contract.

One slight drawback is that you can only take AppleCare+ 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 is responsible for repairing it.

We suggest that you consider the wider policy benefits, any exclusions and the cost to ensure that you're getting value for money.

We've compared the price of a two-year AppleCare+ with Theft and Loss policy against our annual Full Cover policy over two years for some of the latest iPhones. See below for the comparison of costs. Bear in mind that costs for different storage sizes will vary.

iPhone Model	AppleCare+ with Theft & Loss	Insurance2go (Full Policy)
iPhone 16	£189 (2 years)	£119.80 (2 years)
iPhone 16 Pro	£239 (2 years)	£149.80 (2 years)
iPhone 15	£189 (2 years)	£119.80 (2 years)
iPhone 15 Plus	£219 (2 years)	£139.80 (2 years)
iPhone 14	£189 (2 years)	£109.80 (2 years)

Prices correct at the time of publishing - Sept 2025
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 depending on the type of model you have.

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AppleCare+ with Theft & Loss vs our Full Cover insurance

If you have an iPhone and you want to ensure it has the right protection with high-quality repairs and replacements, there are a few options open to you. You could:

Insure your iPhone directly from Apple.
Look at network service providers such as Vodafone, which provides insurance with AppleCare services and EE, which offers AppleCare+ with its iPhones.
Go through independent experts like us

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 AppleCare+ cover to our own policy below to clarify important details and help you make an informed decision.

	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 Apple insurance depends on the value of your iPhone. For example, for the iPhone 16 Pro (128GB), it's £179 for AppleCare+ or £219 for AppleCare+ with Theft and Loss.

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

iPhone Model	AppleCare+	AppleCare+ with Theft & Loss
iPhone 13	£129	£189
iPhone 13 Pro	£179	£239
iPhone 13 Pro Max	£179	£239
iPhone 13 Mini	£129	£189
iPhone SE 3rd generation	£69	£119

Prices correct at the time of publishing - Sept 2025

As above, like all insurance policies, both levels of AppleCare+ coverage have excess fees applicable. These normally vary depending on the type of model you have. Bear this in mind when considering insurance for your iPhone.

You can find the price of AppleCare+ for your device(s) via the company's website.

Insure your mobile phone

What type of phone insurance do you need?

Choosing the right type of mobile phone insurance is straightforward. You'll usually have a choice of plans with different cover levels.

"Policies with the highest levels of cover will cost the most, but it's important to choose a level of protection that suits you. Cheaper options may leave gaps in coverage, ultimately costing you more in the long run. Proper protection means peace of mind."

– Darren, Head of Operations

You can compare our phone insurance plans in the table below:

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 iPhone 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 iPhone, we've got you covered. We’ll either repair your iPhone, or, if that's not possible, replace it.

Your iPhone 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 iPhone while you're covered with us, we’ll replace it for you.

We’ll replace your iPhone 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 iPhone.

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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

Start your quote for mobile phone insurance today

Protect your iPhone with AppleCare+ or one of our comprehensive mobile phone insurance policies today. You can insure other Apple devices too, including your iPad, Apple Watch or MacBook, separately or through multi-gadget coverage.

Get an instant quote online in just a few simple steps. We've insured over half a million devices since 2007 with glowing reviews from our customers.

For assistance, browse our help & support section with answers to FAQs. You can also contact our customer support team online or by calling 0333 999 7905 during our business hours.

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Insuring your iPhone FAQs

Like AppleCare+, we can offer a special insurance plan for your iPhone. You qualify for cover if:

You bought your phone in the UK from an authorised UK-based network provider or retailer.
Your device is less than 36 months old – whether you bought it new or refurbished – when initially insured with us.
The iPhone is in good working order at the start of the policy term.
You are 18 years old or over

For full details, please refer to our Terms and Conditions and the relevant Insurance Product Information Document.

Yes, you're not limited to AppleCare+ insurance for your other Apple devices. You can insure your iPad, MacBook, Apple Watch or AirPods with us, as long as they and you meet our eligibility requirements.

Once your policy is active, it's easy to manage through the 'Your Policy' tab on our website. Here you can review the details of your iPhone insurance and any other policies you have with us.

Claiming on your insurance2go policy is as straightforward as going through AppleCare+. Simply go to our online portal and log your claim. The portal is accessible 24/7, so you can track the status of the claim whenever, wherever.

You can also speak to someone directly if you prefer, by calling the Citymain claims team on 0333 999 7905 or emailing them at claims@citymain.com. They're available 9 am to 5:30 pm, Monday to Saturday.

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.