Apple iPhone Insurance

Apple iPhone phone insurance covers your Apple iPhone for all those moments you dread – like dropping it in the bath when you’re trawling social media, if you leave it on the bus after a trip or if it’s stolen when you are out and about.

Apple iPhone insurance provides a lifeline for you if something happens to it. And when you know how much you rely on it, that will really give you peace of mind as well as prevent you being out of pocket.

Apple iPhones are expensive pieces of kit. For example, a brand-new iPhone 14 Pro will set you back £1,099 - so paying a little extra each month on Apple iPhone insurance will prevent you having to fork out a big sum if it’s lost, damaged or stolen.

If you take out an Apple iPhone insurance cover with Protect Your Gadget, you will be covered for any accidental damage and mechanical breakdown. Extra cover is available too with our Protect Plus and Protect Premium policies.

Our Apple iPhone insurance has key benefits, including:

• Liquid damage: for those times you accidentally get your Apple iPhone wet (because you forgot to take it out of your pocket when you went to the loo, for example)
• Overseas travel: where you go, your Apple iPhone can go too.
• Mechanical breakdown: if you get the dreaded Apple iPhone black screen, for example. (perish the thought).
• Unauthorised calls or spending: any calls or Wallet payments made after your phone was stolen.
• Accessories: but usually only if they’re attached to the phone.

Yes. Depending on budget, you can choose between:

Protect: Accidental Damage, Mechanical Breakdown, £250 accessory cover, 60 days worldwide cover (per trip)

Protect Plus: Accidental Damage, Mechanical Breakdown, Theft, £250 Accessory cover, 90 days worldwide cover (per trip), Unauthorised usage (£2500), E-Wallet protection £500

Protect Premium: Accidental Damage, Mechanical Breakdown, Theft, Loss, £250 Accessory Cover, 120 Days worldwide cover (per trip), Unauthorised usage (£2500), E-Wallet Protection £500.

Apple iPhones are expensive, yet they are also fragile and easy to break so if you are a little bit clumsy - or forgetful - and someone who is likely to lose or damage your Apple iPhone, then Apple phone insurance is certainly worth considering.

You may well have insurance as part of your home contents insurance or even as an additional feature of a bank account. Also, if you’re still within your warranty period, this will only cover you for any manufacturing issues. It’s important to note that things like damaged screens or broken buttons aren’t covered in warranties.

Most Apple products come with 12 months coverage under the manufacturer’s warranty as standard. This covers you for mechanical breakdowns but you won't be covered for accidental damage or - most importantly - theft. Extended warranties also don't tend to provide for such eventualities either.

Yes! We offer a multi-gadget policy which covers up to 10 gadgets. The gadgets can be owned or used by just yourself, or family members that reside at the same address - at home or away. Students are also covered.

Multi-gadget policies are ideal for families with children who use their gadgets on school trips, or where the children are students living away from home.

In a word – yes. We do cover devices purchased outside of the UK.

We can insure iPhone(s) that are:

• purchased new or refurbished from a UK VAT registered company, or the equivalent tax registration if purchased overseas, and supplied with a proof of purchase.
• purchased second hand or gifted to you, provided that you have the proof of purchase (which corresponds to notes 1 above) and a signed letter from the original owner confirming that you own the gadget(s). The signed letter must include the following details of your gadget(s):
  • either the IMEI or serial number (whichever is applicable);
  • the make and model;
  • the sale price;
  • confirmation that the gadget(s) were in full working order at the time of sale.
• registered and appear on your Schedule of Insurance.
• no more than 7 months old at the time you purchase a personal plan or less than 36 months at the time you add it to a bundle

You can make a claim online 24/7 via our online claims portal.

You must register your claim as soon as possible from discovery of the incident (or in the event of an incident occurring outside of the United Kingdom, as soon as possible on returning to the United Kingdom).

Please read and follow our claim procedure to ensure your claim is processed with the minimum delay. Failure to observe these procedures may invalidate Your claim.

For Theft, loss and Malicious Damage Claims - you must notify the appropriate local Police authority within 24 hours of discovering the incident and obtain a Crime Reference / Lost Property number and a copy of the Police Crime Report.

You'll also need to inform your network provider so they can block its usage.

Whether you decide to take out insurance to protect your gadget or not, there are things you can do to avoid those ‘oh no’ moments.

We’ve all been there and we’ve all done it- dropping your device is a sure-fire way to damage it. However, you can protect against this by simply buying a case, which will go some way to keeping your device safe.

Don’t forget to also keep a record of your mobile phone’s IMEI number, this is unique to your handset, and should the worst happen, it will allow you to be reunited with your device. You can find this by typing *#06# into your handset’s keypad.

You can also register your device for FREE here

For added security it is recommended you add a pin code or password to all your devices. This will ensure that your personal information remains private should it fall into the wrong hands.

There are also a variety of tracker applications which could enable your device to be found. Please always contact the police and let them retrieve the device, never take the law in to your own hands!

Always avoid using your device in public places in situations where you might be distracted, such as exiting public transport. These situations make easy targets for thieves.