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iPhone Insurance

Compare our iPhone insurance cover levels in the UK. Choose Essential, Plus or Premium, with cover for accidental damage and breakdown, and theft and loss available on Premium. Pricing varies by model.

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Choose Essential, Plus or Premium

Cover for damage and breakdown

Theft cover on Plus and Premium

Loss cover on Premium

Mobile Phone Insurance Direct is a division of Pier Insurance Managed Services Limited, authorised and regulated by the Financial Conduct Authority (FRN 311798).


What iPhone insurance can cover

iPhone insurance can help with the cost of repair or replacement if something goes wrong, such as accidental damage or breakdown. Cover levels vary, and theft and loss are typically only included on the highest level. Your Schedule of Insurance confirms exactly what you’ve selected. Terms, exclusions and excess apply.

Cover levels at a glance

  • Essential: accidental damage and breakdown cover, subject to terms and excess.
  • Plus: higher cover limits and additional benefits than Essential, subject to terms and excess.
  • Premium: includes theft and loss as well as damage and breakdown, subject to terms, exclusions and excess.

What can be covered (depending on level)

Accidental damage (including cracked screens and liquid damage), mechanical breakdown (as defined in the policy), theft, and loss (Premium).

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. If you’re buying refurbished, check our refurbished iPhone insurance guidance first.
  • Want the full process? See how claims work and check policy excesses.

Compare iPhone insurance plans: Essential vs Plus vs Premium

Use the table below to compare what’s included at each cover level. Your Schedule of Insurance confirms your cover level and policy details. Terms, exclusions and excess apply.

What’s covered
Essential
Plus
Premium
Loss
Not includedNot includedIncluded
Theft
Not includedIncludedIncluded
Airtime abuse
Not includedIncluded
(up to £5,000)		Included
(up to £10,000)
Accidental damage
IncludedIncludedIncluded
Cracked screen
IncludedIncludedIncluded
Liquid damage
IncludedIncludedIncluded
Mechanical breakdown
IncludedIncludedIncluded
Accessory cover
Included
(up to £150)		Included
(up to £150)		Included
(up to £150)
Worldwide cover
Included
(territorial limits apply)		Included
(territorial limits apply)		Included
(territorial limits apply)
Claims per year
UnlimitedUnlimitedUnlimited

Loss cover is included with Premium. Your Schedule of Insurance confirms your cover level and policy details.

How much does iPhone insurance cost in the UK?

The cost of iPhone insurance varies because it depends on your iPhone model, the cover level you choose (Essential, Plus or Premium), and the excess. Options like theft cover and loss cover (where included) can also affect the price. The quickest way to see your exact cost is to run a quote for your device and selected cover.

What affects the price most:

  • Your iPhone model and replacement cost
  • Cover level (Essential, Plus or Premium)
  • Whether theft or loss cover is included on your Schedule of Insurance
  • The excess amount
  • Eligibility and valid proof of purchase

If you’re trying to keep costs down, choose the cover level that matches your real risks and check the excess before you buy.

How to choose the best iPhone insurance for you

The “best” iPhone insurance is the one that matches how you actually use your phone, what you’re most worried about, and the excess you’re happy to pay. A quick way to decide is to focus on the risks that would hurt most if they happened tomorrow.

  • Pick the cover level based on your real risks (damage only vs theft vs loss).
  • Check the excess for your model before you buy.
  • Confirm your cover level and policy details in your Schedule of Insurance.

Terms, exclusions and excess apply.

Compare our iPhone cover levels and get a quote

Get insurance quote

Theft and loss cover for iPhone insurance

Theft cover is included on Plus and Premium. Loss cover is included with Premium. Your Schedule of Insurance confirms your cover level and policy details. Terms, exclusions and excess apply.

If your iPhone is stolen or lost, act fast:

  • Report theft to the police as soon as possible and get a crime reference number
  • Contact your mobile network provider to block the handset and SIM
  • Use Find My iPhone to try to locate the device (if enabled) and secure your Apple ID
  • Make a claim with the required documents as outlined in your policy terms

Airtime abuse cover (unauthorised calls after theft) is included on Plus and Premium, with different limits depending on the cover level.

Used and refurbished iPhone insurance

You can insure a used or refurbished iPhone as long as it meets the policy eligibility rules. Your iPhone must be within the age limit at the start of cover, in good working order, and you’ll need valid proof of purchase. Terms, exclusions and excess apply.

To be eligible, make sure:

  • The device was bought direct from the manufacturer or a UK VAT registered business
  • You have proof of purchase that clearly shows the device and purchase details
  • The iPhone is not already damaged and is fully functional when cover starts

If you’re unsure whether your proof of purchase will be accepted, it’s worth checking before you buy cover.

Excess for iPhone insurance claims

An excess is the amount you pay towards a claim. (Some people call this a “deductible”.) The excess can vary by iPhone model and by claim type, for example accidental damage versus theft or loss. Always confirm the excess shown during your quote and in your policy documents.

ModelAccidental Damage and BreakdownLiquid DamageTheft & Loss Claims
iPhone 11/12/13/14/15/16/17 Pro Max
£120£120£175
iPhone 11/12/13/14/15/16/17 Pro
£100£100£125
iPhone XS Max
£100£100£125
iPhone Air
£100£100£100
iPhone X/XS/12/13/14/15/16/17/14 Plus/15 Plus/16 Plus
£100£100£100
iPhone 16e 512GB
£100£100£100
iPhone XR/11/SE 2022
£65£65£80
iPhone 16e 128GB / 256GB
£65£65£80
iPhone 12/13 Mini
£65£65£80

Terms, exclusions and excess apply.

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.

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.

Yes, as long as your iPhone meets the policy eligibility rules. Your device must be within the age limit at the start of cover, in good working order, and you’ll need valid proof of purchase.

For second-hand or refurbished devices, the iPhone must be bought direct from the manufacturer or from a UK VAT registered business. Terms, exclusions and excess apply.

Yes. Under our iPhone Insurance policies, unintentional water damage is treated as “liquid damage” and is covered on Essential, Plus and Premium. “Liquid damage” means unintentional damage caused by the device coming into contact with a liquid. Terms, exclusions and the excess shown on your Schedule of Insurance apply.

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.

It depends on what you want covered and how you prefer to pay. AppleCare+ and insurance policies can differ on what’s covered, any fees or excess, claim limits, exclusions, and how repairs or replacements are handled.

A simple way to compare is to list the situations you care about most (for example accidental damage, mechanical breakdown, theft and loss) and then check the terms for each option. For this policy, your Schedule of Insurance confirms your cover level and key policy details. Terms, exclusions and excess apply.

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

Looking for cover for a specific iPhone model? Choose your iPhone below to view the relevant cover options, eligibility details and excess.

iPhone 17
iPhone 16
iPhone 15
iPhone 14
iPhone 13
iPhone 12

iPhone 17

iPhone 17

Get a quote for iPhone 17 and choose Essential, Plus or Premium. Your Schedule of Insurance confirms what you’ve selected, along with the excess and key exclusions.

iPhone 16

iPhone 16

If your iPhone 16 is eligible, compare cover levels and get a quote in minutes. Your Schedule of Insurance confirms the cover you chose, plus the excess and exclusions.

iPhone 15

iPhone 15

For iPhone 15, pick Essential, Plus or Premium and run a quote for your model. Always check your Schedule of Insurance for your selected cover, excess and exclusions.

iPhone 14

iPhone 14

Get iPhone 14 cover based on the level that suits you and what’s shown on your Schedule of Insurance. Excess and exclusions apply, so it’s worth checking these before you buy.

iphone 13

iPhone 13

For iPhone 13, choose the cover level that matches your needs and confirm the details on your Schedule of Insurance. Proof of purchase and eligibility rules apply.

iphone 12

iPhone 12

For iPhone 12, compare cover levels and check the excess before you buy. Keep proof of purchase, and use your Schedule of Insurance to confirm what you selected.

We also insure these iPhone models:

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.

Get quote

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.

Loss cover is included with Premium. “Accidental loss” applies when you’re unable to account for your iPhone’s whereabouts and are permanently deprived of its use, despite taking reasonable precautions (and where the policy conditions are met).Your Schedule of Insurance confirms your cover level and policy details. Terms, exclusions and excess apply.

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 definition; "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.

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: 3rd February 2026
Last modified: 3rd February 2026