iPhone Insurance

Insurance for your iPhone from £5.54* per month

It may not be the only choice, but for thousands of people when buying a smartphone, the iPhone is the obvious choice. With the most popular iPhone costing over £700 and more expensive models costing upwards of £1400, we think that getting quality insurance for your iPhone is a very good idea.

CoverCloud offers competitive cover that can protect your iPhone against accidental damage, liquid damage, breakdown, theft and loss. All with overseas cover as standard!

With CoverCloud you can make sure your contract, pre-paid or sim-free iPhone is protected - whether it is an iPhone 13 or the new iPhone 14 and iPhone 14 Pro.

All the cover you need:

Accidental Damage / Malicious Damage[return to top]

We will pay the cost of repairs if your iPhone is damaged as the result of an accident or malicious damage. If your iPhone is not repairable then we will provide you with a replacement iPhone.

Liquid Damage[return to top]

We will pay the cost of repairs if your iPhone is damaged by liquid as the result of an accident. If your iPhone is not repairable then we will provide you with a replacement iPhone.

Breakdown[return to top]

We will pay repair costs if your iPhone suffers an electrical breakdown occurring outside of the manufacturers guarantee period. If your iPhone is not repairable then we will provide you with a replacement iPhone.

Theft[return to top]

If you have chosen the Premier or Elite cover level and your iPhone is stolen we will provide you with a replacement iPhone. Where only part or parts of your iPhone have been stolen, we will only replace that part or parts.

Loss[return to top]

If you have chosen the Elite cover level and you accidentally lose your iPhone we will replace it.

Unauthorised Calls[return to top]

If your iPhone is lost or stolen, we will refund the cost of unauthorised calls made from it after the time it was lost or stolen up to a maximum of £10,000.

Cracked Screens[return to top]

We will pay the cost of repairs if the screen of your iPhone is damaged as the result of an accident. If your iPhone is not repairable then we will provide you with a replacement iPhone.

Worldwide Cover[return to top]

Our gadget insurance policy provides year-round overseas cover included.

Cover multiple gadgets for less with our Multi-Gadget discount

If you have more than one gadget to cover or if you want cover for multiple gadgets in your home then make use of our multi-gadget discount when insuring multiple gadgets.

Business iPhone Insurance

If you need to cover multiple iPhones within your business then take a look at our Business Phone Insurance option.

Significant Exclusions or Limitations

As with all policies of this type there are certain limitations and certain things that are not covered. The most significant exclusions of this policy are set out below. There may be other exclusions that are significant to you, so you need to check the policy document for full details.

• Gadgets cannot be more than 36 months old at the start date of the insurance when purchasing a new policy. There is no age limit when renewing your policy.
• Gadgets must have been purchased new or refurbished as long as the gadget was sold with a minimum 12 month warranty.
• Proof of usage (evidence from your network provider showing your phone has been in use since the policy was purchased and up to the event giving rise to the claim) may be requested if you make a claim.
• An excess applies to each and every claim.
• An additional £50 excess fee is due if you make a claim within the first 30 days of taking out a new policy. This additional excess fee only applies to new policies, not policy renewals.
• ** Accidental loss cover only applies it you select the Elite cover option.

* Price quoted is for the Apple iPhone 14 128GB with the Premier level of cover and a £100 excess.

All premiums are inclusive of Insurance Premium Tax (IPT) which is 12%.

Cover is subject to the terms and conditions of the policy.