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iPhone insurance from £3.99 /MONTH

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  • Protect your iPhone from cracks, drops, splashes and smashes
  • Save compared to AppleCare+ Theft & Loss cover
  • Instant quote, instant cover
  • Insure more than one iPhone and get 10% off any additional policy

What is iPhone insurance?

iPhone insurance is a way of protecting your phone in the event that your handset gets lost, stolen or damaged.

Some iPhones, particularly the latest models, can be fairly expensive and not all of us can afford to pay to replace an item that is lost or stolen. Alternatively, consider the need to pay out for the cost of repairing your iPhone screen if it gets damaged. For those unable to live without a phone, iPhone insurance will provide peace of mind for the equivalent cost of a few coffees a month.

How much does iPhone insurance cost?

The table below shows the monthly and annual premiums for different entry level Apple iPhone models for our full cover policy.

It's important when comparing insurance quotes to also consider the excess fees. Our excesses are shown when you get a quote online. We also don't charge an additional excess should you need to make a claim within the first 30 days unlike other insurers.

Phone Models

Monthly Price

Annual Price

iPhone 13 (128GB) £6.99 £69.90
iPhone 13 Pro (128GB) £7.99 £79.90
iPhone 13 Pro Max (128GB) £9.99 £99.90
iPhone 12 Pro Max (128GB) £7.99 £79.90
iPhone 12 Pro (128GB) £7.99 £79.90
iPhone 12 (64GB) £6.99 £69.90
iPhone 12 Mini (128GB) £6.99 £69.90
iPhone 11 (64GB) £5.99 £59.90

Prices are correct at the time of publishing - 09/05/2022

Need insurance for larger storage or have another model? Get a quote in seconds.

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What does iPhone insurance cover?

AppleCare+ or iPhone Insurance?

If you have an iPhone and are considering insurance to help bring peace of mind when it comes to protecting your phone, then there are a few options open to you.

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. Compare the different elements of the AppleCare+ cover to our own policy, to give you a view of the most important parts of the cover.

iPhone insurance vs 'out of warranty' repairs

Depending on which iPhone you have, the repair costs of smashing the screen will vary. If you have the latest iPhone model for example, these prices will be bigger.

To show how our insurance plans are such great value, we’ve compared the repair costs from Apple to that of what it would cost you to pay for a years insurance and the claims excess, for different Apple iPhone models for our Full cover policy.

Phone Models

Annual Price + Excess

Screen repair cost

Savings

iPhone 13 (128GB) £69.90 + £100 Excess £266.44 £96.54
iPhone 13 Pro Max (128GB) £99.90 + £150 Excess £316.44 £66.54
iPhone 12 (128GB) £69.90 + £100 Excess £266.44 £96.54
iPhone 12 Pro Max (128GB) £79.90 + £125 Excess £316.44 £111.54
iPhone 11 (64GB) £59.90 + £50 Excess £196.44 £86.54
iPhone SE 2022 (128GB) £59.90 + £50 Excess £146.44 £36.54
iPhone XS (64GB) £69.90 + £100 Excess £266.44 £96.54

Prices are correct at the time of publishing - 09/05/2022

Prices shown above apply only to repairs made by Apple. Apple Authorised Service Providers may set their own prices.

Insurance for your iPhone

Can I insure a refurbished iPhone?

A refurbished phone is a device which may have been previously owned by another individual but has been thoroughly checked to ensure that they are functional and in a re-sellable condition. [Click the below to read more on refurbished devices].

At insurance2go you can insure a refurbished iPhone against accidental damage, breakdown, theft and loss. Eligible iPhones must have been bought from an UK registered retailer, has a 12 month warranty and is in full working order.

What type of iPhone insurance do you need?

Choosing the right type of iPhone insurance is straightforward. You will usually have a choice of plans with different cover levels which provide varying degrees of protection for your iPhone.

iPhone insurance policies which provide the highest levels of cover will cost the most, but it’s important that you choose a level of protection that suits you.

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

Policy features
 
Policy features
from£5.99/MONTH
 
from£3.99/MONTH

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.

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.

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

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 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 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.

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.

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.

Your iPhone is covered if it gets damaged by liquids.

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.

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

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.

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

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

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 £100 if your eWallet is used to make unauthorised contactless payments.

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.

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.

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.

Your questions answered

iPhones can be very expensive to repair and replace so protecting them is usually a good idea. Our iPhone insurance can offer you the choice to protect against theft, loss, accidental and liquid damage.

Our policies cover your devices against a lot of things, but there are some exclusions. For details of of the exclusions, please see our Full and Essential Insurance Product Information Documents (IPIDs) or for a full list of exclusions, please see our terms and conditions.

Our cover is instant! Some insurers have an excluded period between when you purchase the policy and when your gadgets are actually protected. Here at Insurance2go we know that when you buy a policy, you expect to be covered instantly. When you purchase one of our policies, your chosen gadget will be covered straight away.

It's all up to you and how much money you have to spare. Replacing a new iPhone can set you back more than £1000 and repairing the screen of an out of warranty iPhone can cost more than £300.

On the other hand if you were to purchase one of our policies and make a successful claim, you would only have to pay the excess to repair or replace your iPhone. Our policies also provide unlimited claims, so you can claim as many times as you need.

Getting insurance for your devices is one way to cover them, but there are other ways you can protect your iPhone. Take care when using your phone in public and don't let it out of your possession. Make sure you put a passcode on both your handset and SIM to make it harder for thieves to use. Using a case will also protect your phone against drops and spills.

We have two policy terms - Monthly & Annual.

Monthly policies are like a subscription and will continue until you choose to end the policy.

If you choose to pay annually, we write to you every year about a month before your renewal is due to outline any changes to the policy and provide your renewal premium. We can auto-renew your policy to ensure your cover continues, you have the option to opt out of this at any time. 

Your cover lasts as long as you would like it to, you can amend or cancel you policy at any time, by contacting us. For full details please read our terms and conditions.

We will endeavour to replace your mobile phone with an identical, high quality fully refurbished (or new where a refurbished item is not available) phone of the same age and condition as your current mobile phone.

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