Compare insurance policies that could pay out if your iPhone gets lost, damaged or stolen, so you’re never without a phone for long.
iPhone insurance is the same as standard mobile phone insurance but usually comes with extra cover that provides specific protection for iPhones.
The following additional options are often included with iPhone insurance deals:
E-wallet cover: this covers you if your Apple Pay service is used when your iPhone is lost or stolen. It’s usually limited to £500 and may only apply during the first 24 hours after discovering the loss or theft of your phone
Bundle options: most iPhone insurance policies come with discounted options to cover other Apple items alongside your iPhone, including your iPad or MacBook, which could be useful if your family owns lots of Apple gadgets
Data backup: some insurers include online platforms to back up your photos or contact information. Storage may be limited, and you may have to start paying extra after a set period of time – for example, after three months
Here’s more information about what’s covered by mobile phone insurance policies.
If you want tailored protection for your iPhone and can’t afford to replace your current model should it be lost or damaged, it could be a good idea.
Newer iPhone models cost more than £600 to buy outright, and most iPhone policies include higher cover limits to reflect that premium. They also offer additional benefits, such as allowing you to use a local Apple store to get your phone repaired quickly if it’s damaged.
Some policies offer cover that starts immediately, but you should check the terms and conditions to make sure you can claim straight away if you need to.
For example, some insurers exclude all claims made in the first two to three weeks of your policy. If your phone is lost, damaged or stolen during this time, your cover won’t pay out, and you must cover the cost of a replacement phone yourself.
You may be able to cover your iPhone as part of your home contents insurance. This can be included when you next renew your policy, or you could contact your provider to add mobile phone cover to your existing policy.
Adding personal possessions to your home insurance usually allows you to cover items like mobile phones, laptops and jewellery, even when they’re outside the home. Some providers may even cover you abroad.
Covering mobile phones through your home insurance may leave you with worse cover than a dedicated policy, though. You’ll have to pay a much higher excess than you would with dedicated mobile phone insurance, plus any claims you make could increase the cost of your home insurance in the future.
As with all insurance policies, don’t automatically go for the cheapest quote – make sure the iPhone insurance quotes that you’re considering include all the cover you need with an excess you can afford if you need to make a claim. Once you’ve found policies that meet your criteria, plump for the most wallet-friendly option.
Use our comparison to find the right insurance at the best price.
Not always, but newer models often cost more to insure. Use our comparison to look for the best iPhone insurance deals for your specific model.
Some policies offer cover, but others may only insure older models. Check with the provider and be prepared to pay more to protect newer models.
They could be. Most policies include cover for accessories if they’re lost or stolen with your handset, but this is usually limited to £150.
Yes, but it may affect how much you pay for your policy. For example, a lower excess may only be available with more expensive packages.
Yes, although it’s usually cheaper to pay for your policy in full to avoid having to pay interest on your premiums. Check the insurer’s terms for full payment options.
Most iPhone insurance policies provide new replacement cover, but some only offer refurbished models. Check the terms of the policy for full details.
We have commercial agreements with some of the companies in this comparison and get paid commission if we help you take out one of their products or services. Find out more here.
You do not pay any extra and it does not affect the deal you get.
By comparing mobile phone insurance you could save money on the policy. The best value mobile phone insurance will offer you the cover you need, at a price you can afford. Choose a cover plan from the best UK insurance companies and see the online discounts they offer.
We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.
Last updated: 13 May 2022