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iPhone 16 Insurance

Affordable iPhone 16 phone insurance

Cheap and reliable mobile phone insurance with unlimited claims

iPhone 16 Insurance Quote

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What is iPhone 16 Insurance?

iPhone 16 insurance provides essential protection for your brand-new iPhone 16, keeping you covered against the unexpected. With notable upgrades like new A-series chips and innovative features such as the Capture Button, the iPhone 16 is a powerful investment worth safeguarding. Our insurance covers a wide range of risks, from accidental damage and theft to liquid damage and loss. Whether you’ve dropped your phone or it’s been stolen, our iPhone insurance policies ensure you’re not left footing the bill. We also cover mechanical breakdowns that occur outside of the manufacturer’s warranty. Choose from Essential, Plus, or Premium cover to match your needs. Don’t leave the safety of your iPhone 16 to chance—protect your device and enjoy peace of mind.

What does our iPhone 16 insurance include?

Our iPhone 16 insurance offers a comprehensive range of Insurance cover designed to protect your cutting-edge device. Starting with our Essential cover, you’re safeguarded against accidental damage, including cracked screens and liquid damage. If your iPhone 16 suffers from internal electronic or mechanical failures beyond the manufacturer’s warranty, we’ve got that covered too. Stepping up to our Plus and Premium plans, you’ll also benefit from theft protection, ensuring your phone is secure from unauthorised appropriation. Plus and Premium plans provide airtime abuse coverage up to £5,000 and £10,000, respectively. For complete peace of mind, Premium cover includes accidental loss protection, meaning you’re covered even if your iPhone 16 goes missing despite reasonable precautions. Accessories up to £150 are also covered across all plans. And don’t forget, our iPhone policies are valid globally, as long as your iPhone 16 was purchased in the UK, with repairs or replacements delivered to a UK address.

iPhone 16 Insurance Definitions Explained

Here’s some of the terms we use for our policies with a brief explanation to help you understand the jargon.

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 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 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.

What makes our iPhone 16 Insurance stand out?

In a sea of insurance options, our iPhone 16 insurance sets itself apart through a winning combination of comprehensive coverage, flexibility, and customer-focused service. We offer three levels of cover: Essential, Plus, and Premium, so you can choose the plan that best fits your needs and budget. Unlike many other policies, our cover is globally valid, ensuring peace of mind wherever you are, as long as your iPhone 16 was purchased in the UK. We also pride ourselves on our quick and efficient claims process, meaning you won’t be left without your device for long when something goes wrong. For added security, our Plus and Premium plans provide airtime abuse protection—an uncommon feature in most insurance policies. Our Premium plan even covers accidental loss, making it one of the most thorough options on the market. And to top it all off, we’re regulated by the Financial Conduct Authority, offering an additional layer of trust and reliability.

This should give you a clear idea of why our iPhone 16 insurance stands above the rest. Next, let’s explore how our insurance measures up against standard warranties, so you can make the best choice for your device.

What are the differences between our Essential, Plus and Premium insurance packages for the iPhone 16?

In a crowded insurance market, our iPhone 16 insurance shines through with a perfect balance of comprehensive protection, flexibility, and a customer-first approach. Offering three levels of cover—Essential, Plus, and Premium—we provide the flexibility to choose a plan that matches your needs and budget. Unlike most other providers, our policies are globally valid, so you’re covered no matter where you are, as long as your iPhone 16 was bought in the UK. We also emphasise a fast and hassle-free claims process, ensuring you’re back up and running quickly. For extra peace of mind, our Plus and Premium plans include airtime abuse cover, which is rare in standard policies. The Premium plan goes even further by covering accidental loss, making it one of the most comprehensive insurance packages available. Plus, as we’re regulated by the Financial Conduct Authority, you can trust in the reliability and integrity of our service.

This should give you a clear sense of why our iPhone 16 insurance outshines the competition. Now, let’s dive into how our insurance compares with standard warranties, so you can make an informed decision.

iPhone 16 Insurance Quote

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14-day money back guarantee

No minimum contract

12-month warranty on repairs

UK based in-house claims team

The cover options at a glance

Damage and breakdown

Theft cover available

Loss cover on Premium

FAQs

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.

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.
See full FAQ
Last modified: 30th January 2026
Last modified: 30th January 2026

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