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.
What does iPhone insurance cover?
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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.
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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.
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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.
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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.
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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.
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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.
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.
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:
Which iPhones do we cover?
In short, all of them - even the latest iPhone.
