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Leading iPhone insurance providers


An unverified iPhone is dangerous. Apple phones are expensive, fragile and popular with thieves. If yours is lost, stolen or broken and is not covered by insurance, you will need to pay off the debt in order to repair or replace it.

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A good iPhone insurance can protect you from accidental damage, water damage, theft and loss of just a few pounds a month – to pay off debt if your phone is broken or lost.

We did a survey (November 2021) to find out which company offers the best iPhone insurance.

Note that the ‘extra money’ you see mentioned in the entry below is the amount that will be deducted from any application fee you receive. Policies charge extra fees to prevent claims of low value, which can be costly to do, and to help keep premiums low.

  1. Open – 5/5 stars

Monthly costs for accidental injuries, theft and loss (128GB iPhone 13): £ 5.75

Cheap monthly policy charge (128GB iPhone 13): £ 5

Our decision

Switched On offered the lowest amount of accidental damage, theft and loss on the iPhone 13 for £ 5.75. If you have an iPhone 13 Pro, you will have to pay £ 8 for the same installation.

The override costs between £ 50 and £ 150, depending on the type of iPhone you are insuring. If you make a claim within the first 31 days, you will have to pay another £ 50.

There are no limits to the number of claims
An additional £ 50 for claims made in the first month

  1. My Cover – 4.5 / 5 stars

Monthly costs for accidental injuries, theft and loss (128GB iPhone 13): £ 6.11

Cheap monthly policy charge (128GB iPhone 13): £ 5.34

Our decision

My Cover will protect your iPhone 13 from accidental damage, theft and loss of £ 6.11 per month. With Pro you will pay £ 7.49 and Pro Max £ 7.65.

As a change, Khava charges me between £ 50 and £ 150 in excess, and another £ 50 is charged if you make a claim within the first 30 days.

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