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What does Apple iPhone insurance cover?

iPhones are constantly experiencing drops and scrapes on a day to day basis. But Apple repair costs can also be much higher than cheaper phone models. Our iPhone insurance can provide:

Bullet Point

Cover from just £6.57* per month

*For a £500 iPhone, based on a student living on campus.

Bullet Point

24 hour iPhone replacement

If it's stolen or unrepairable, we’ll provide 24 hour replacement once your claim is approved.

Bullet Point

Up to 15% multi gadget discount

Need to cover multiple Apple gadgets? You'll receive a 10% discount when you insure two gadgets, with 15% off when you insure three or more.

Bullet Point

Worldwide protection

Heading on holiday? You won’t want to be without your iPhone. We provide cover anywhere in the UK and up to 90 days worldwide.

Studying at uni? Protect your stuff for as little as £8 per month!

With an Everywhere Student Pack you can pack up your cover in one easy policy up to £1,000, £1,500 or £2,500 to protect your student items everywhere, both on and off campus!

What's covered?

  • Items with a replacement cost up to £500 with a £1,000 pack, £750 with a £1,500 pack or £1,250 with a £2,500 pack.
  • 24 hour replacement once your claim is approved (if item is stolen or unrepairable).
  • Theft
  • Accidental and malicious damage, including cracked screens
  • Flood and fire
  • Mechanical breakdown
  • Protection anywhere in the UK, up to 90 days worldwide.
  • No excess applies to claims for theft, assault and mugging, malicious damage, or arson

What's not covered?

  • Your excess
  • Mechanical breakdown before the expiry of the manufacturer's warranty
  • Gadgets and mobile phones more than 3 years old at the start of the policy
  • Cosmetic damage that doesn't affect operation
  • Money
  • Musical instruments and bicycles
  • Accidental loss (unless added as an optional extra)
  • Any gadget or mobile where you cannot provide proof of purchase

Frequently asked questions about iPhone insurance

With iPhone cover from Endsleigh you can rest assured that you will be protected against accidental or malicious damage and cracked phone screens. To find out more about iPhone accidental damage insurance, contact our team of iPhone insurance specialists today.

Don't have an iPhone? Check out some more of our mobile phone insurance FAQs.

Which iPhones can you insure?

We can insure any model of Apple iPhone including the very latest releases, as long as the iPhone is less than three years old when you start your policy.

What does our iPhone insurance cover?

Our Apple iPhone insurance gives you peace of mind that should your iPhone get lost, stolen or damaged, you’re protected. Heading off on holiday or travelling? Don't worry, our iPhone insurance will cover you anywhere in the UK, and up to 90 days worldwide against theft, accidental and malicious damage, as well as cover for cracked screens.

Can you insure your iPhone on your house insurance?

With our home insurance, you can receive cover up to £1,500 for your mobile phone. But there are some limitations. So to cover your mobile phone completely, you may want to upgrade your current policy or purchase complete Apple iPhone insurance for peace of mind.

Is iPhone insurance worth it?

iPhone insurance is the best way to protect your Apple phone, especially if:

  • You have a history of losing or breaking your phone, or it has previously been stolen
  • If your phone is expensive and/or you’ve signed a long-term contract
  • You cannot afford to replace your mobile and wouldn’t want to downgrade to a cheaper model if it were stolen/broken etc.
How much is iPhone insurance?

The cost of your cover will depend on a number of factors, including:

  • Your personal details, such as whether you’re a student or non-student
  • The value of your iPhone
  • The make and model of your iPhone
  • How many gadgets you want to cover – we offer up to a 15% multi gadget discount or you can choose our Everywhere Student Packs!

Please note that we are unable to cover any gadgets over three years old at the start of the policy.

What happens if my iPhone screen is damaged?

Although cracked screens are covered as standard under our iPhone insurance policies, if it is just your screen that is damaged, Apple will usually be able to repair this for a small charge. This will often be less than the excess on your policy, so it may be worth speaking to Apple first to get costs for any repairs. That way, if it is going to cost less than your excess, you can proceed with the repair by Apple, rather than making a claim.

Find out more about why cracked phone screens could be more expensive than your device.

What is my iPhone insurance excess?

For each claim, you'll pay the first £50 - except for a loss claim where you'll need to pay the first £75 (if you’ve selected accidental loss).

What if I lose my iPhone?

If you’re worried about losing your phone, you can choose to add optional accidental loss to give you extra peace of mind.

What is a replacement cost?

A replacement cost is the amount of money needed to replace one of the items you want to cover on your Everywhere Student Pack insurance.

Our Everywhere Student Packs each have a limit which means that you won't be covered for items that are more expensive than the replacement cost on your statement of insurance.

Maximum placement costs for our Everywhere Student Packs are as follows:

£1,000 pack = Items that cost no more than £500 are covered
£1,500 pack = Items that cost no more than £750 are covered
£2,500 pack = Items that cost no more than £1,250 are covered

Let’s give you an example.

Jack just bought a new laptop which cost him £300. He then takes out our Everywhere Student Pack insurance which gives him £1,000 of cover. Jack also knows that he wouldn’t be able to claim for anything more expensive than the maximum replacement cost of £500 on this pack.

A few months later, Jack’s laptop is dropped and damaged. Because the maximum replacement cost on Jack’s policy is £500 and his laptop cost £300, this means that he can make a claim. Had Jack's laptop cost more than £500, it wouldn't be covered and Jack would be unable to claim.

It's always worth checking that your items don't cost more than the maximum replacement cost when taking out our Everywhere Student Packs. If any of your items do cost more than the highest replacement cost (£1,250), you can choose to build your own cover.

What about Endsleigh’s laptop/tablet theft policy?

Our laptop/tablet theft policy provides cover for devices with a replacement cost up to £1,250.

Interested in iPhone insurance? You might also be interested in...

Mobile phone insurance

Protect your favourite piece of tech against theft, accidental and malicious damage. Insure two or more gadgets and get up to a 15% discount!

Laptop insurance

Whether it's for business, coursework or gaming, we'll protect your laptop against accidental and malicious damage, including cracked screens.

Tablet insurance

Protect your tablet anywhere in the UK and for up to 90 days worldwide against theft, accidental and malicious damage, as well as cracked screens.

Student gadget insurance

Stay connected at uni. Protect your gadgets against theft, accidental and malicious damage, anywhere in the UK and for up to 90 days worldwide.

Student contents insurance

Protect your contents in student accommodation against fire, theft and flood, with New for Old replacement and optional cover for accidental damage.

Samsung mobile insurance

Protect your Samsung mobile against theft, accidental and malicious damage, with replacement in 24 hours once your claim is approved (if stolen or unrepairable).

How easy is it to make a claim?

Making a claim with Endsleigh is simple. Just follow this 3 step process: 1. Head to our claims centre and fill in a claims form. 2. Our team will call you to confirm your claim. 3. We’ll approve your claim as soon as possible.