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iPhone Insurance

iPhone insurance made simple: get mobile phone insurance for your iPhone with cover options for damage, breakdown, theft and loss (depending on your cover level).

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Choose Essential, Plus or Premium

Cover for damage and breakdown

Theft cover on Plus and Premium

Loss cover on Premium (if selected)

Compare cover levels and get a quote

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What iPhone insurance can cover

This page explains our iPhone insurance options in plain English, so you can compare cover levels quickly.

Depending on the level you choose, your phone insurance UK policy can cover accidental damage (including cracked screens and liquid damage), mechanical breakdown (as defined in the policy), theft, and optional loss cover.

Key things to know before you buy:

  • Your iPhone must be under 36 months old at the start of the policy and in good working condition.
  • You’ll need valid proof of purchase (the policy defines what counts).
  • Second-hand devices are only covered if bought direct from the manufacturer or a UK VAT registered business, so if you’re buying refurbished it’s worth checking our refurbished phone insurance guidance first.

Want the process in full? See how claims work and check policy excesses.

iPhone 16
iPhone 15
iPhone 14
iPhone 13

iPhone 16

iPhone 16

If your iPhone 16 is eligible, you can choose a cover level that can include accidental damage, cracked screens, liquid damage, mechanical breakdown, theft, and optional loss (depending on what’s shown on your Schedule of Insurance). An excess applies to claims.

iPhone 15

iPhone 15

Cover options for iPhone 15 can include damage and breakdown, plus theft and loss depending on the cover level you select and what’s shown on your Schedule of Insurance. You’ll need valid proof of purchase and the device must meet the age and condition rules.

iPhone 14

iPhone 14

iPhone 14 cover can include accidental damage (including cracked screens and liquid damage) and mechanical breakdown, with theft and loss available depending on the cover level selected. Claims are reviewed against your policy terms and required evidence.

iphone 13

iPhone 13

For iPhone 13, choose the cover level that matches what you want covered, such as damage, breakdown, theft and loss (where selected). Eligibility rules apply, including proof of purchase and the device meeting the age limit at policy start.

iphone 12

iPhone 12

iPhone 12 policies can offer different cover options depending on the level you select. Check what’s covered, key exclusions, and the excess before you buy, and keep your proof of purchase safe for claim evidence where required.

We also insure these iPhone models:

Compare Essential, Plus and Premium

Pick a cover level based on the risks you want covered.

  • Essential: Accidental damage (including cracked screens and liquid damage), mechanical breakdown (as defined in the policy), accessory cover up to £150, worldwide cover (territorial limits apply). Not included: theft, loss, airtime abuse.
  • Plus: Everything in Essential, plus theft cover and airtime abuse up to £5,000 (linked to theft cover). Not included: loss.
  • Premium: Everything in Plus, plus loss cover and airtime abuse up to £10,000 (linked to theft cover).

* Cover is subject to your policy terms, conditions, exclusions and your Schedule of Insurance.
* Cover applies only to the cover options shown on your Schedule of Insurance.
* You are responsible for deciding whether the policy is suitable for you.

Key exclusions and what you’ll need

Requirements

  • iPhone under 36 months old at policy start, with valid proof of purchase.
  • Device in good working condition when the policy starts.
  • Reasonable precautions taken, including security features enabled and used.

Not covered (common)

  • Unattended loss or theft away from home.
  • Cosmetic damage that does not affect functionality.
  • The cost of replacing stored data or information.

How claims work

  • If theft or loss, notify your network provider and blacklist within 24 hours, and report to the police within 48 hours.
  • Contact us and we’ll send a link to the claim form portal.
  • Submit the claim form and evidence requested within 30 days.
  • We’ll review it against your policy and confirm the next step.

See claims and policy excesses.

Damage and cracked screens

Accidental damage cover can include cracked screen damage (subject to your policy terms, conditions, exclusions and your Schedule of Insurance).

Mechanical breakdown

Mechanical breakdown cover applies to faults outside the manufacturer’s warranty (as defined in the policy), subject to your policy terms and your Schedule of Insurance.

Theft cover options

Theft cover is available on Plus and Premium (and any airtime abuse cover is linked to theft), subject to the policy terms and your Schedule of Insurance.

Loss cover (Premium)

Loss cover is available on Premium where shown on your Schedule of Insurance, subject to your policy terms, conditions and exclusions.

Get iPhone cover you can compare.

Check cover levels and key exclusions, then get a quote.

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Our iPhone insurance explained

No matter how careful we are with our iPhones, they have a tendency to come into misfortune sooner or later. Whether we smash the phone screen, drop it in water, or leave it on the train, it’s always an unwelcome surprise. These are just some of the most common claims regarding iPhone insurance, and what our insurance does to cater for them.

We all know that accidents happen, and dropping your phone is often one of those "oh no!" moments. At Mobile Phone Insurance Direct, "Accidental Damage" is specifically designed to cover these unexpected incidents. Whether your phone takes a tumble off the table or meets the floor in a moment of clumsiness, our cover kicks in to save the day. Unlike some other insurance options, such as home or bank insurance, which may limit the number of claims you can make, we offer unlimited claims. So, rest easy knowing that however many times life's little mishaps occur, we've got your back.

Our official documents state; "Accidental Damage" is described as any sudden and unforeseen event that results in damage or destruction of your gadget.

We know your mobile phone isn't the only gadget you treasure. That's why our "Accessory Cover" is designed to protect those little extras that make your life easier, like chargers, headphones, and protective cases. If your main gadget is approved for a claim, we'll also cover your accessories that were lost, stolen, or damaged at the same time, up to a limit of £150. And here's a bonus: if your phone is replaced with a different make or model that makes your existing accessories obsolete, we'll replace those too, up to the same £150 limit.

According to our official documents, "Accessory Cover" provides protection for items like chargers, protective cases, headphones, and hands-free gadgets up to a limit of £150. This cover is activated when your claim for your main gadget, such as a mobile phone, is approved. It will cover any accessories that were accidentally lost, stolen, or damaged at the same time as your gadget.

We know that losing your phone is stressful enough, but the thought of someone else racking up your bill? That's a nightmare! That's why our "Airtime Abuse" cover is here to give you peace of mind. If your phone is stolen, we'll cover the cost of unauthorised calls made following the theft, up to £5,000 for our Plus package and up to £10,000 for our Premium package. So, you can rest easy knowing that even if your phone ends up in the wrong hands, your wallet won't take the hit.

Our offical documents state; "Airtime Abuse" is covered for your device up to £5,000 for Plus and up to £10,000 for Premium. This feature is included in Plus & Premium cover only.

We all know that water and gadgets are not the best of friends. At Mobile Phone Insurance Direct, our "Liquid Damage" cover is designed to protect your mobile phone or gadget against those unfortunate spills and splashes. Whether it's a coffee mishap or an unexpected downpour, our cover ensures that your device will be repaired or replaced. And here's the cherry on top: unlike some other insurance options that may limit your claims, we offer unlimited claims. So, go ahead and dance in the rain; we've got you covered!

Our official document states: "Liquid Damage" is defined as unintentional damage caused to your gadget as a result of coming into contact with any liquid.

Ever had that sinking feeling when you can't find your phone? We get it; these things happen. That's why our "Loss" cover is designed to provide that extra layer of security. If you find yourself unable to locate your phone or gadget and are permanently without it, despite taking all reasonable precautions, our loss cover has got you covered. And the best part? This feature is included in our Premium insurance policies as standard, so you can go about your day with one less worry.

Our official documents state: "Accidental Loss Cover" is available only with our Premium cover. It kicks in if you are unable to account for your gadget's whereabouts and are permanently deprived of its use, despite taking reasonable precautions to protect it and ensuring it has not been left unattended.

Ever had your phone suddenly freeze or refuse to turn on? It's frustrating, especially when the manufacturer's warranty has just expired. That's where our "Mechanical Breakdown Cover" steps in. We'll cover your mobile phone if an electrical or mechanical fault occurs outside of its warranty period. So, you can breathe easy knowing that if your phone decides to take an unexpected break, we've got you covered.

Our offical documents state; "Mechanical Breakdown Cover" comes into play if your gadget becomes inoperable due to a sudden and unforeseen fault. This fault must be the result of the failure of internal electronic or mechanical components or defects and should occur when the gadget is out of the manufacturer warranty period.

We understand that your mobile phone is more than just a device; it's an essential part of your daily life. That's why at Mobile Phone Insurance Direct, our "Theft" cover is designed to give you peace of mind. If your mobile phone is stolen, we'll not only replace it but also cover you against unauthorised calls made when your device is taken away from you. So, whether you're out and about or it's taken from your home, you can rest assured that we've got your back.

Our official documents definiton; "Theft" is defined as the unauthorised dishonest appropriation or attempted appropriation of your gadget by another person with the intention of permanently depriving you of it.

We understand that life is unpredictable, and sometimes, one claim just isn't enough. That's why at Mobile Phone Insurance Direct, we offer "Unlimited Claims." Unlike some insurance providers that cap the number of claims you can make, we're here for you no matter how many times you need us. Whether it's accidental damage, theft, or any other covered event, you can count on us to have your back, time and time again.

Love to travel? So does your mobile phone! With Mobile Phone Insurance Direct, our "Worldwide Cover" ensures that your phone is protected no matter where your adventures take you. Whether you're sipping espresso in Italy or hiking in the Andes, you can rest easy knowing your phone is covered. And here's the best part: this unlimited worldwide cover is included as standard in our policies. Just remember, while we can cover you globally, any repaired or replacement handsets will be delivered only to a UK address.

According to our official documents, your policy will cover your gadget anywhere in the world, provided the device was purchased within the UK. Repaired or replacement handsets will be delivered only to a UK address.
FAQs

All depends what level of cover you go for. We have 3 levels of cover, which you can choose when you get a quote and see the specifics. They can include:

Loss, theft, accidental damage, unauthorised calls, accessory cover, worldwide cover, mechanical breakdown, cracked screen, liquid damage, and unlimited claims.

Yes, all our packages include cover for breakdowns after the manufacturer’s warranty expires.

Yes, as long as it’s Grade A, comes with a 12-month warranty, and was purchased from a UK VAT-registered seller.

Absolutely. We specialise in covering second-hand and refurbished iPhones.

Yes you can, but all phones we insure must be purchased from a VAT registered UK supplier within the last 36 months (from the policy start date). This must be supported by a valid proof of purchase document.

iPhone excesses range from £65 to £175 depending on the model and circumstance. You can check specific prices in our policy excess table.

Both iPhone insurance and AppleCare+ can offer protection for your iPhone, but they have some differences in coverage and cost. iPhone insurance tends to provide better cover for your phone and can include damage, theft, loss, and malfunctions that are not covered by the manufacturer's warranty. Some insurance plans may also cover damage caused by water or other liquids, which is not covered by AppleCare. The main advantage of iPhone insurance is that it provides comprehensive coverage for a wider range of issues, while AppleCare only covers a limited range of issues related to hardware defects and malfunctions. It's worth doing the comparisons for yourself, generally speaking we'd say if you tend to be accident-prone or frequently lose your phone, iPhone insurance may be a better choice, and if you are more concerned with hardware defects and technical support, then AppleCare+ may be a better fit for you.

Please check through both the , and Key Exclusions and Limitations to check for what is not covered by our iPhone Insurance policies.
See full FAQ

30 Years Experience in the Mobile Phone Insurance Market

By choosing to insure your iphone with MPID, you’ll benefit from over 30 years of experience across our dedicated, expert team. If you want to insure with a company who cares about your phone as much as you do, look no further, get your quote today.

We never outsource your claims

Friendly UK-based customer service team

Over 1 million devices insured

Last modified: 6th January 2026
Last modified: 6th January 2026