iPhone insurance

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.

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.

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.

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.

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.

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.

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).

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

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.