iPhone 13 Pro Insurance

Unlimited claims, Optional Loss 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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There are few better feelings than unboxing a brand-new iPhone 13 Pro, but you’ll need the right insurance protection so you’re covered against any mishaps. Read this Gadget Cover guide to find out all you need to know about iPhone 13 Pro insurance.

From finding the perfect iPhone insurance policy to protecting your valuable mobile phone against accidental damage, theft and loss, you’ll find all the information you need right here.

With the world’s fastest smartphone chip, a huge leap in battery life, exceptional durability, responsive display, and a dramatically more powerful camera system, this is a mobile well worth protecting with a comprehensive insurance policy.

Is buying the iPhone 13 pro worth it?

Praised by tech reviewers as ‘one of the best phones ever’ and awarded Editor’s Choice by Tom’s Guide, the iPhone 13 Pro seems to more than live up to its name. But is it worth the almost £1000 price tag?

To help you decide, here are some of the pros and cons of buying the iPhone 13 Pro as your next mobile phone.


  • Truly outstanding design – a real head-turner.
  • Durable, water-proof and able to withstand some rough treatment.
  • A high-end mobile phone that really can be considered 'compact'.
  • Super bright and super smooth Super retina XDR OLED screen. ProMotion and Dolby Vision make this a super-pleasurable experience.
  • Great quality, loud stereo speakers.
  • The cutting-edge A15 Bionic chipset gives you unmatched performance.
  • 5G capability. You should be future-proofed at least for a couple of years.
  • Significant camera upgrades on previous iPhones. Great all-round photo and video quality across all four cameras. Even matches the iPhone 13 Pro Max camera setup!
  • The range of cool cases, stands, controllers and gimbals are only going to get larger.


Apple has fit so much into the iPhone 13 Pro’s compact frame that it can feel a bit heavy in the hand.

  • Battery life is not as enviable as that of the iPhone 13 Pro Max.
  • No Touch ID.
  • Fast charging of 20W could be faster.
  • Charger still not bundled.

Overall, if you’re looking for a high-end but compact phone then the iPhone 13 Pro is a great buy and certainly blows many Android competitors out of the water. The main rivals for your attention will probably be other Apple devices.

If you want to know more about the best features of the iPhone 13 Pro Max then go to the Gadget Cover blog and read our recent guide. And while you’re there, why not check out the iPhone 13 insurance policy cover we have available?

If you’re thinking of waiting a few short months for the iPhone 14 to launch then take a look at these recent iPhone 14 leaks . From battery and performance boosts to a notchless design, the iPhone 14 is certainly one to watch.

What is covered by iPhone 13 Pro insurance?

Arranging specialist mobile phone insurance from Gadget Cover is a popular way to keep your sought-after iPhone 13 safe from damage, theft and loss. As one of the most desirable iPhones in the world right now, you’ll want to make sure your iPhone 13 Pro is properly covered by an insurance policy.

Whichever one of Apple’s iPhones you’ve chosen, when you’re looking for an insurance policy for your mobile phone these are the features you need to have from day one.

1. Accidental damage

Yes, we know that Apple has provided all the iPhone 13 phone range with cutting-edge Ceramic Shield front covers to protect their stunning Super Retina XDR OLED screen from harm. But we really wouldn’t rely on it in every situation.

You’ll no doubt take your iPhone with you wherever you go. But when iPhones get dropped or damaged then that might be the end of the fun for you both.

The cost of screen damage for iPhones can soon mount up, so make sure you choose the right level of excess with your insurance policy. According to Apple, if your iPhone’s out of warranty then the cost of screen replacement in the UK could cost from £266 for an iPhone 13 Pro repair.

2. Liquid damage

Apple has worked hard on upping the durability of the iPhone 13 range, and we aren’t just talking about that Ceramic Shield front. Your iPhone 13 Pro comes with a water and dust resistance rating of IP68, too.

However, be warned that, over time, water and dust resistance can begin to lessen. And if your iPhone 13 Pro suffers liquid damage, you’ll want an insurance policy that offers a speedy remedy.

Again, repair costs can soon mount up when it comes to liquid damage. Apple says an out-of-warranty repair for an iPhone 13 Pro could cost £526. An Apple Authorised Service Provider could charge even more!

To deal adequately with such potentially high repair costs, you’ll want your excess to be set at the right level. While a high excess can mean a cheaper iPhone 13 Pro insurance policy, if you can’t afford to pay the excess then you’ll come unstuck when it comes to damage repair.

3. Breakdown insurance

With the A15 Bionic chipset lauded as ‘the world’s fastest smartphone chip’, every one of the iPhone 13 range boasts stunning performance power. But sometimes even the best-designed machine can break down.

And that’s why you’ll want to check your iPhone 13 Pro is covered by breakdown insurance and that your excess is set at the right level. If you’re concerned about the level of excess you’ve arranged on your iPhone Pro insurance policy, contact the team at Gadget Cover.

4. Unauthorised usage

We all know that such a desirable iPhone could be lost or stolen. But something that isn’t always considered is the potential bill for thousands of pounds worth of unauthorised calls and data usage that a thief could soon run up.

By arranging an insurance policy through Gadget Cover, you could be covered for up to £2,500 in unauthorised calls or data usage.

5. Loss

When you’ve spent close to a thousand pounds on a new iPhone 13 Pro, you’d think you would keep a watchful eye on such a valuable item. But even the most careful of owners can get distracted and lose sight of their beloved iPhone 13 Pro.

Just in case this happens to you, Gadget Cover offers an optional level of policy cover to protect against loss. It costs just a little extra, but is well worth the extra expense.

6. Theft

Looking at those enviable tech specs above, it’s no wonder that the iPhone 13 Pro can be a popular target for criminals. Yet another reason to invest in Apple iPhone insurance sooner rather than later.

7. Accessory cover

Apple makes a wonderful range of matching accessories perfect for the iPhone 13 Pro. But from MagSafe wallets to wireless headphones, if something happens to damage your iPhone, it could damage these, too.

The accessory cover included in a Gadget Cover iPhone insurance policy will protect any accessories (up to £150) if they’re lost, stolen or damaged at the same time as your iPhone. We really have thought of everything!

8. Worldwide cover

Whether travelling for business or for pleasure, an iPhone 13 Pro makes a great travel companion. Just make sure you’ve got worldwide mobile phone insurance cover that’s appropriate for your destination.

9. Family cover

Choosing an insurance policy with family cover means your brand-new iPhone 13 Pro is protected no matter which of your nearest and dearest is using it at the time.

10. E-wallet cover

And finally, with cybercrime on the rise you’ll also want to include E-wallet cover in your mobile phone insurance policy. So, if your iPhone is accidentally lost or stolen and unauthorised transactions are made then you could be refunded up to a maximum of £500 through your iPhone insurance policy.

What is not covered by iPhone 13 Pro insurance?

As we said previously, knowing what is and is not included in your insurance policy is an important part of staying adequately covered. Common exclusions to look out for include:

  • If the iPhone hasn’t been used since taking out the insurance policy.
  • Theft from a vehicle or property and there’s no visible sign of forced entry.
  • Theft or loss while it was left unattended.
  • Lack of proof of purchase or receipt.
  • Water damage.
  • Cosmetic damage such as scratches or dents.
  • Delays in reporting the loss or theft to the police and the insurance provider.

Any one of these could affect your mobile phone insurance cover and any future insurance claim, so read up on your policy now.

Learn more about using and protecting your iPhone with our mobile phone insurance guides

At Gadget Cover, iPhones are some of our favourite gadgets to insure. That’s why you’ll find so many mobile phone insurance guides on our blog. Visit our blog today to look at our latest guides. There’s bound to be one perfect for you.

Get your iPhone insurance cover sorted today. Get a quick quote now and protect your tech.

Popular iPhone Insurance:

  • iPhone 14 Pro Max
  • iPhone 14 Pro
  • iPhone 14
  • iPhone 13 Pro 
  • iPhone 13

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
Whats covered icon

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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Repair or replace your gadget if something goes wrong with it. (except laptops).

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Unauthorised usage

We’ll 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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Loss (optional)

If you selected to pay an additional premium and lose your gadget, we will replace it (mobile phones, tablets and smartwatches only).

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If your gadget is stolen, we will replace it.

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We’ll 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 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.

Whatever your budget or requirements there’s bound to be an insurance policy to suit. But even the most comprehensive cover and most expensive policies are certainly affordable.

In general, iPhone insurance can cost anywhere from £5 up to £15 per month. However, how much you will pay will depend on a whole range of factors including the iPhone model, the level of cover and any additional extras.

As well as the headline cost, you’ll also need to take into account the amount of excess to pay if you do claim. The excess level could be set anywhere from £50 to £125 and will need to be paid before your handset can be repaired or replaced.

Finding out how much an iPhone insurance policy will cost you is easy with Gadget Cover. Just enter your new iPhone’s make and model into our online tool and away you go!

With a specialist like Gadget Cover in your corner, finding the right iPhone insurance for your needs is so straightforward. Just make sure you ask the right questions to ensure the mobile phone insurance policy has all the cover features you need.

Here are 10 questions to ask when you take out cover:

  1. Does the policy start instantly?
  2. Can I choose to pay annually or monthly?
  3. Does the insurance policy cover a cracked screen?
  4. Does the policy cover against loss?
  5. Are my iPhone accessories also insured?
  6. Is there a limit on the number of insurance claims I can make in a year?
  7. How long do I have to make a claim?
  8. Is the level of insurance excess right for me?
  9. What are the exclusions on the policy?
  10. Is my family also covered?

That said, when it comes to performing an accurate iPhone 13 Pro insurance comparison, the more questions you ask the better!

When you’re looking for an insurance policy perfect for iPhones, you’ll want to be covered by something bespoke. Finding the right iPhone insurance policy for you is well worth the cost in time and money.

Every mobile needs a slightly different level of cover. But when it comes to protecting an expensive iPhone 13 Pro, it’s even more vital.

At Gadget Cover you’ll find a great choice of plans with different cover levels. These provide excellent degrees of protection for all iPhones, at a price to suit you.

While the most comprehensive mobile phone insurance policies will cost a little more, it’s important that you choose a level of protection that suits you, your phone and your budget.

But when it comes to the iPhone 13 Pro, what exactly will you be protecting with an insurance policy? Let’s check out the specs:

  • Price: From £949
  • Finish: Ceramic Shield front, textured matt glass back and stainless-steel frame
  • Colours: Sierra Blue, Graphite, Gold, Silver, Alpine Green
  • Size: 146.7 x 71.5 x 7.65 mm (5.78 x 2.82 x 0.3 inches)
  • Weight: 203g
  • Storage capacity: 128GB, 256GB, 512GB, 1TB
  • Battery life: Video playback up to 22 hours
  • Screen size: 6.1 inches
  • Resolution: 2532 x 1170-pixel resolution (460 ppi)
  • Adaptive refresh rate: Up to 120Hz
  • Processor: A15 Bionic
  • Rear cameras: Pro 12MP camera system containing telephoto, wide, and ultra-wide lenses
  • Zoom: 3x optical, up to 15x digital
  • Front camera: 12MP TrueDepth camera
  • Video: HDR video recording up to 4K at 60fps
  • Face ID: Yes
  • Apple Pay: Yes
  • 5G: Yes
  • MagSafe: Wireless charging up to 15W
  • Splash, water and dust resistance: IP68 (maximum depth of 6 metres up to 30 minutes)

Finding the right iPhone insurance with Gadget Cover is easy. Just follow these easy steps:

1. Get a quick quote for insurance

Go to our website and select your iPhone’s make and model from the drop-down lists. Then hit the Get a Quote button to find out your policy options and the iPhone 13 Pro insurance price that’s just right for you.

2. Choose your insurance policy

Add a little bit more detail about your device and select the insurance cover that works for you and your budget. Then enter your details and pay. It’s so easy to do an iPhone 13 insurance comparison to find the best deal for you.

3. Relax

Yes, it really is that quick and easy. You can start using your iPhone 13 Pro straight away, safe in the knowledge that you’re protected in case of any eventuality with iPhone insurance cover.

We don’t just cover the iPhone 13 Pro; we also provide iPhone 13 insurance for the whole range and so much more. If you’re looking for iPhone 13 Pro Max insurance, or cover for any other Apple or Android devices, we can help! Get a quick quote today.

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.

If you’ve invested in an iPhone 13 Pro then you’ll also need some of the top Apple accessories to go with it. After all, you don’t want a cheap phone cover to let you down!

Some of our favourite Apple accessories include:

With an insurance policy arranged by Gadget Cover you’ll also get cover for your other Apple accessories and devices up to £150. When there are such desirable accessories on the market it’s important to have all your tech protected by insurance.

If in doubt, check your insurance policy documents to be sure. You’ll also need to think carefully about the level of excess you choose.

Apple devices are particularly popular among the international jet set. If you’re planning on taking expensive Apple gadgetry with you when you travel, make sure you have worldwide travel cover included in your mobile phone insurance policy.

After all, loss, accidental damage, theft and breakdown can happen anywhere in the world.

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.

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

If your claim is for accidental 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 have a replacement device sent out to you 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.

Apple is certainly one of the most highly-regarded phone manufacturers in the world, and has been for many years now. And all iPhones in the iPhone 13 range will come with an Apple Limited Warranty.

This covers your iPhone and other Apple-made accessories against manufacturing defects for one year from the date of purchase. This warranty operates alongside any right you may have under UK consumer laws.

Be warned, under the Apple warranty you won’t be covered for any damage caused by accidents or unauthorised modifications you have made. If the warranty or consumer law doesn't cover your repair, you'll pay substantial out-of-warranty fees.

That’s why it’s so important to protect your iPhone 13 Pro with Apple iPhone insurance as soon as possible. You never know when disaster might strike.

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