iPhone Insurance

Unlimited claims, 3 New Tiers of Cover & More!

Benefiting from 25 years of experience, Gadget Cover is formed by people who believe that quality products can be affordable.

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Apple is easily the most trusted provider of quality devices ranging from smartphones and tablets to laptops and desktop computers. Many reasons account for Apple’s popularity on the smartphone market: high quality, excellent functionality, and unique design.

No wonder that so many consumers choose Apple’s flagship product, the iPhone, when picking a mobile phone. iPhone has paved the way for the development of smartphone devices we know today - and it’s still one of the most popular choices on the market. The release of a new iPhone model makes headline news.

Get a quote for iPhone insurance and see what Gadget Cover can offer you.

What is iPhone insurance?

Mobile phones have become an integral part of our lifestyles. Many of us would never leave home without a phone in our pocket. And most of the time, it’s not simple phones but sophisticated and expensive smartphones that we carry with us everywhere.

Carrying a phone like that means that you’re vulnerable to dangers ranging from theft to loss and damage. High-quality smartphones are usually expensive and to pay for one, you may have agreed to sign a contract - which you’ll need to keep on paying even if you lose or damage your phone.

However, you can protect yourself against such risks by covering your phone with specialist mobile phone insurance.

Benefits can vary from insurer to insurer - that’s why it’s smart to shop around and look through various offers before settling on an insurance company.

Do I need to get mobile phone insurance on my iPhone?

If you're struggling to decide whether you need phone insurance or not, ask yourself these questions:

Could I afford a new phone?

If your iPhone is expensive, insurance can provide financial protection in case of accidental damage, theft and loss. Loss protection might require you to pay an additional premium.

How likely is my phone to get damaged?

If you're prone to dropping your phone or exposing it to other potential hazards, insurance may be a good idea. Repair costs for a cracked screen can run into hundreds of pounds.

What's my budget?

Insurance can be costly, so you will need to factor in the cost of the insurance premium when deciding whether to purchase coverage.

Can I cover the costs of a similar handset?

If you have the ability to cover the cost of a new phone, self-insurance may be a good option. But with a new iPhone 14 Pro Max costing well over £1,000 this isn’t an option for many people.

What are my alternatives?

You can consider alternative options like keeping your iPhone in protective cases, avoiding risky situations or being extra careful with your new device.

For full details on why you need iPhone insurance and what does it cover, read this informative article from the Gadget Cover team.

Common exclusions of iPhone insurance

Before purchasing a mobile phone insurance contract, make sure to read the Terms & Conditions carefully. That’s how you’ll be able to tell which clauses and exclusions apply to the type of insurance you’ve chosen.

A critical part of your mobile phone insurance is the type of theft it covers. For instance, theft without force or unattended theft may not be covered. If someone steals your phone from your pocket or takes it from a table in a cafe when you’re distracted, you’ll be left uninsured.

Moreover, some insurers may refuse to pay out in specific cases - for example, if you forget your phone and leave it by accident on a train or taxi. If you’re deemed to have been careless by the provider, you might not be covered by the insurance. Any sort of water damage might fall under this exclusion too.

Pay attention to the terms stated in your contract. Some insurers require you to report the phone as lost to the police and the insurer within a specific time limit such as 24 hours or less.

The exclusions to this mobile phone insurance include:

  • Leaving the phone unattended
  • Theft from a vehicle or premises where there is no visible sign of forced entry
  • Lack of proof of purchase or receipt
  • Any claim where the phone has not been used since the insurance has been taken out

When does the cover begin?

With gadget cover your phone will be covered from the moment you finalise the purchase of insurance. You won’t have to wait for the insurance policy to be processed and applied within a specific number of days from your purchase.

Instead, you can enjoy coverage right from the moment of purchase.

Popular iPhone Insurance:

What's Covered

  • Accidental Damage
  • Liquid Damage
  • Theft
  • Mechanical Breakdown (Excludes Laptops)
  • E-wallet Protection
  • Unauthorised Calls/Data
  • Accidental Loss
  • Accessories Cover
  • Accidental Damage
  • Liquid Damage
  • Theft
  • Mechanical Breakdown (Excludes Laptops)
  • E-wallet Protection
  • Unauthorised Calls/Data
  • Accidental Loss
  • Accessories Cover
  • Accidental Damage
  • Liquid Damage
  • Theft
  • Mechanical Breakdown (Excludes Laptops)
  • E-wallet Protection
  • Unauthorised Calls/Data
  • Accidental Loss
  • Accessories Cover
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Accidental damage

We will repair your gadget if it is damaged as the result of an accident. Unlike some insurers, we even cover minor screen cracks. If the item cannot be repaired we will replace it.

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Liquid damage

If your gadget has been damaged due to splashes or full immersion we’ll repair it or replace it.

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If you selected Silver or Gold cover, we will repair or replace your gadget if something goes wrong with it (excludes laptops).

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Unauthorised usage

If you selected Silver or Gold cover, we will pay for unauthorised calls and data usage from your device, when it has been lost or stolen, up to £2,500.

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If you selected Gold cover and lose your gadget, we will replace it.

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If you selected Silver or Gold cover and your gadget is stolen, we will replace it.

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If you selected Gold cover, we will replace any accessories (up to £150) if they are lost, stolen or damaged at the same time as your gadget.

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Worldwide cover

Cover is extended to include use of your gadget anywhere in the world, up to 180 days in any 1 year.

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Family cover

Your gadget cover is extended to your immediate family. If your partner loses or damages your phone you’re also covered!

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E-wallet cover

If you selected Silver or Gold cover and your gadget is accidentally lost or stolen, we will refund the cost of unauthorised transactions made using your E-Wallet facility up to a maximum of £500.

There are several insurance options to secure iPhone cover, each with their own benefits and drawbacks. The most popular option is a specialist mobile phone insurance policy arranged through a company like Gadget Cover.

These mobile phone insurance policies allow you to secure great value comprehensive cover tailored to your needs and budget.

For iPhone owners with such expensive Apple products these really are the best option offering fantastic flexibility, instant cover and more.

Other options include Apple’s own AppleCare+ extended warranty scheme that will cover you for accidental damage, as well as technical issues with Apple products.

But be warned, consumer champion Which? warns that it isn’t cheap when you consider the excess fees you might have to pay when something goes wrong. It also won’t cover a refurbished iPhone and it’s not available in the Channel Islands or Isle of Man.

Mobile phone network providers also offer insurance when you first buy a phone. But according to Citizens Advice these insurance policies don’t normally offer the cheapest price or best value.

Ultimately, the best insurance for an iPhone will depend on an individual's needs and budget. It's important to compare the coverage and cost of different options before making a decision.

The cost of insurance for an iPhone in the UK can vary depending on the type of coverage you need and the mobile phone insurance provider.

Depending on the iPhone model and any additional extras, insurance can cost anywhere from under £5 to up to £15 per month or more.

Also, just like with any insurance, you'll need to pay an excess fee if you do claim. For iPhones this is usually anywhere from between £50 to £125 so you'll need to factor this into your calculations. If you have more than one iPhone then it might also be better value to cover them both on the same policy.

Paying monthly or annually can also have an impact. And when it comes to price, bear in mind that you always need to take value into account. After all, it’s no use getting the cheapest policy around if it lets you down when you need it most!

The age of an iPhone can affect the cost of insurance in the UK. Newer, more desirable models might be at higher risk of theft so you might end up paying a little more for cover than one a few years old.

Remember that some iPhone insurance providers might not cover certain older iPhone models at all. So, it's important to check the policy details and make sure that your iPhone model is eligible for coverage before you purchase a policy.

Make sure that the policy you choose has all the cover you need. Check if it provides instant cover, whether there’s a limit on the number of claims per year, and how much the excess is.

When searching for phone cover, consider gadget insurance. Many providers offer that type of insurance that may cover mobile phones - just make sure to specify your smartphone when describing the gadget in question. You can insure more than one device with the same policy - for example, your laptop, camera, and tablet.

Some types of home insurance include mobile phone coverage as well. While these can be simple and cost-effective, they come with downsides such as lengthy claim processing that could leave you without a mobile phone for a more extended period of time.

To make a claim, you need to do the following:

If your claim is for damage, we will ask you to send the gadget to our nominated repair centre where we can inspect and repair it. We aim to repair or replace items within 5 to 7 working days.

If your claim if for the theft or loss of your gadget you must report the theft or loss to the police and your service provider no later than 48 hours after you notice that your gadget is missing.

Next, you need to contact us. Make sure to do that as quickly as possible - within 48 hours from discovering loss or theft of your gadget.

You can call our dedicated Claim Advisors on 0203 794 9294. You can also send us an email to gadgetcoverclaims@davies-group.com. If you take longer than 48 hours to contact us, you risk your claim being delayed or rejected.

We aim to process claims within 48 hours, once we receive all the required documentation - which includes proof of ownership. If we approve the claim, you will need to pay the policy excess to let us proceed with the claim. Make sure that you provide us with all the required documentation and pay the excess as quickly as possible - any delay may make the process longer.

For many smartphone users, the most valuable content on their phone, that no insurance company is able to replace, is their contacts, photos, files, and other pieces of personal information.

There are many things you can do right now to make sure that data stored on your phone is protected against loss. Consider the available cloud storage options for creating backups of your data. Storing them in the cloud offers a significant advantage - they will be available to you from any device connected to the internet.

Once you settle on an adequate storage solution, schedule regular backups of your data to make sure that all your files and information are located in your storage.

All in all, the best advice to keep your phone is safe, is to look after it and to protect it against the hassle and cost that comes with loss, theft, or damage.

Just some of the reasons why so many iPhone owners choose to arrange iPhone insurance with Gadget Cover include:

25+ years of experience in the gadget and mobile phone insurance market. We’re passionate about providing quality insurance cover at an affordable price.

Cover starts at short notice, as soon as you take out the policy.

Three tiers of policy cover to choose from. From Bronze, which covers accidental and liquid damage to Gold, which provides comprehensive cover for your iPhone and accessories.

Comprehensive cover. We offer a range of coverage options, including accidental damage protection, theft and loss, as well as technical issues. This can provide financial protection in case of unexpected incidents.

Cracked screen cover. Unlike some insurers, we even cover minor screen cracks. If the item cannot be repaired, we will replace it.

Loss protection. If you selected Gold cover and lose your gadget, we will deliver a replacement device.

Worldwide protection. We can provide worldwide protection, meaning your iPhone is covered wherever you go.

Fast and efficient claims process. Our team is friendly, fast and efficient, so you can get your iPhone repaired or replaced as quickly as possible.

Competitive pricing. We offer competitive pricing on insurance plans, which are a cost-effective way to protect your iPhone.

Flexibility. We offer flexible plans that can be tailored to your specific needs, so you can choose the coverage that's right for you – whether you have the latest iPhone or Android device.

Protection for other gadgets, too. We also offer coverage for other gadgets, such as laptops, tablets, and cameras, so you can protect all of your devices in one place.