What is iPhone insurance?
iPhone insurance is a way of protecting your phone if your handset is lost, stolen or damaged.
iPhones, particularly the latest models, are expensive – and replacing one if it's lost or stolen isn't an option for everyone. Even if just the screen gets damaged, the repair costs can add up.
But don't worry. With iPhone insurance, you can cover these unexpected costs for the same price as a few coffees each month.
How much does iPhone insurance cost?
The table below shows the monthly and annual premiums for different Apple iPhone models under our Full cover policy.
When comparing insurance quotes, it's also important to consider the excess fees. Our excesses are shown when you get a quote online.
Phone Models |
Monthly Price |
Annual Price |
| iPhone 14 (128GB) | £5.99 | £59.90 |
| iPhone 14 Pro (128GB) | £7.49 | £74.90 |
| iPhone 13 (128GB) | £5.99 | £59.90 |
| iPhone 13 Pro (128GB) | £7.49 | £74.90 |
| iPhone 13 Pro Max (128GB) | £9.99 | £99.90 |
| iPhone 12 Pro Max (128GB) | £7.49 | £74.90 |
| iPhone 12 Pro (128GB) | £7.49 | £74.90 |
| iPhone 12 (64GB) | £5.99 | £59.90 |
| iPhone 12 Mini (128GB) | £5.99 | £59.90 |
| iPhone 11 (64GB) | £4.99 | £49.90 |
Need insurance for larger storage or have another model? Get a quote in seconds.
Based on our £100 excess, prices are correct at the time of publishing - January 2024
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’ve got an iPhone and need insurance for peace of mind, you’ve got some great options to choose from.
But before you jump straight in and buy any insurance plan, we suggest you take a little time to consider which one is right for you. Compare the AppleCare+ cover with our policy to find the one that works best.
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:
iPhone insurance vs 'out of warranty' repairs
Depending on which iPhone you have, the repair costs of accidentally smashing the screen will vary. If you have the latest iPhone model, for example, these prices will be higher.
We've compared the repair costs from Apple with the cost of a full year of coverage under our policy for various Apple iPhone models. This includes the claims excess.
Phone Models |
Annual Price + Excess |
Apple Screen repair cost* |
Savings |
| iPhone 14 (128GB) | £69.90 + £100 Excess | £289 | £119.10 |
| iPhone 14 Pro (128GB) | £79.90 + £125 Excess | £349 | £144.10 |
| iPhone 13 (128GB) | £69.90 + £100 Excess | £289 | £119.10 |
| iPhone 13 Pro Max (128GB) | £99.90 + £150 Excess | £349 | £99.10 |
| iPhone 12 (128GB) | £69.90 + £100 Excess | £289 | £119.10 |
| iPhone 12 Pro Max (128GB) | £79.90 + £125 Excess | £349 | £111.54 |
| iPhone 11 (64GB) | £59.90 + £50 Excess | £219 | £144.10 |
| iPhone SE 2022 (128GB) | £59.90 + £50 Excess | £159 | £49.10 |
| iPhone XS (64GB) | £69.90 + £100 Excess | £289 | £119.10 |
*Prices shown above apply only to repairs made by Apple and are based on Apple's estimated costs
for a Cracked screen (front only). Apple Authorised Service Providers may set their own prices.
Prices correct at the time of publishing - September 2022.
Can I insure a refurbished or second-hand iPhone?
A refurbished phone is a pre-owned device that's been thoroughly inspected, tested and restored to ensure it works like new. It's then made available for resale, offering a great alternative at a lower price. A second-hand phone is a used or pre-owned device that has been previously owned and is being sold by an individual or a third-party seller. These devices haven't necessarily undergone professional testing, repairs or restoration.
At insurance2go you can insure a refurbished iPhone against accidental damage, breakdown, theft and loss. Eligible iPhones must have been bought from a UK-registered retailer, have a 12-month warranty and be in full working order.
We can also offer insurance for a second-hand iPhone as long as they are from a UK registered supplier and come with a 12 month warranty even if they are purchased from an online auction site. We can also cover a handed down device as long as proof of gifting and purchase is available.
Which iPhones do we cover?
In short, all of them - even the latest iPhone.
Why choose insurance for an iPhone with insurance2go?
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Cover from the get-go
You'll be covered straight away, whether you have an annual or monthly policy.
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94% of claims accepted
In 2024, we approved 94% of mobile phone insurance claims*. We won't make it harder than it needs to be.
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Flexible plans
Pay in a way that works for you, whether that's for a year upfront or on a rolling monthly basis.
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Any model up to
You can get phone insurance for an iPhone or any other make or model even if you've owned it up to 3 years already – as long as it's from a UK-registered company.
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Unlimited claims
We know that phones can become damaged or lost more than once, which is why there's no limit to the amount of times you can claim.
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Over 15 years of experience
We were pioneers in offering tailored insurance specifically for mobiles and gadgets, leading the way for your tech protection.
Get an iPhone insurance quote today
If you'd like to insure an Apple iPhone, it's easy to get a quote online. We're a trusted name when it comes to phone insurance, with an 'Excellent' rating on Trustpilot based on thousands of reviews.
You can find out how to manage your mobile phone insurance policy using the 'Your Policy' tab. If you have any further questions, our help & support section has many useful resources, including guides and FAQs. Contact us online or call our customer support team on 0333 999 7905 if you'd like more personalised help.