iPhone Insurance Guide: What You Need to Know

Why Do You Need iPhone Insurance?

iPhones are among the most expensive smartphones on the market, making them costly to repair or replace.

Common Risks iPhone Users Face

• Cracked screens from drops
• Liquid damage
• Theft (especially in busy public areas)
• Loss while travelling or commuting

Without insurance, these incidents can cost hundreds of pounds.

What Does iPhone Insurance Cover?

Standard Cover Includes

• Accidental damage (e.g. cracked screen)
• Theft
• Loss (depending on policy)
• Mechanical breakdown after warranty

What May Not Be Covered

• Cosmetic damage
• General wear and tear
• Unauthorised repairs
• Always check policy terms for full details.

How Much Does iPhone Insurance Cost?

Costs vary depending on your model and level of cover.

Typical Pricing

AppleCare+ → from around £6.49/month

Standalone insurance → from around £2.99/month

Standalone insurance often provides broader cover at a lower price point, especially for theft and loss.

iPhone Insurance vs AppleCare+

AppleCare+ is Apple’s own insurance product, but it differs from standalone insurance.

Feature	AppleCare+	iPhone Insurance
Price	From ~£6.49/month	From ~£2.99/month
Theft & loss	Yes	Yes
Claims	Usually capped (e.g. 2 per year)	Unlimited (policy dependent)
Flexibility	Limited purchase window	Buy anytime
Devices covered	Apple only	Multiple devices

Can You Insure More Than One Device?

With AppleCare+

• One plan per device
• No bundled discounts

With Insurance

• Cover multiple devices (phones, tablets, laptops, smartwatches)
• Multi-gadget discounts available

What to Look for in iPhone Insurance

Key Things to Consider

• Does it include theft and loss?
• Are there limits on claims?
• How flexible is the policy?
• What is the monthly cost?
• Does it cover other devices too?

Real-Life Example

Scenario

You drop your iPhone and later lose it while travelling.

AppleCare+:

Repair → Covered

Loss → Only covered on specific plans, with claim limits

Insurance:

Damage → Covered

Loss → Covered

Future claims → Not capped (policy dependent)

Which Option Is Best for You?

AppleCare+ May Suit You If:

• You want Apple-certified repairs
• You only need to cover one device

Insurance May Suit You If:

• You want lower monthly costs
• You need protection against theft and loss
• You want flexibility and multi-device cover

Key Takeaways

iPhone insurance protects against real-life risks

AppleCare+ is more fixed and device-specific

Insurance is often:

• More affordable
• More flexible
• Better for multiple devices

FAQs

Is iPhone insurance worth it?

For many users, yes it is especially given the high cost of repairs and replacement.

Does iPhone insurance cover theft?

Most policies include theft cover, but always check the terms.

Can I insure an older iPhone?

Yes, many insurers allow cover after purchase, depending on condition.

Are claims limited?

Some providers offer unlimited claims, subject to policy terms.

Protect Your iPhone for Less

With Insurance2Go, you can

• Cover your iPhone from just £2.99/month
• Protect against theft, loss and damage
• Make unlimited claims (subject to terms)
• Benefit from a 94% claim approval rate