Your iPhone Expensive. Newer models start at around $ 700, and the most expensive models can cost twice as much. Something so small, so full of important information, a big concern for loss, theft or just serious loss.
We recommend using a case or at least a screen protector (broken screens are the most common damage to the iPhone) and make sure your iPhone is protected by a passcode and two-factor authentication with your Apple ID. Nevertheless, an accident does occur and an insurance plan can help remove the sting from the possibility of repairing or replacing it.
Apple’s own AppleCare + coverage seems to be the obvious choice to insure your iPhone, there are other options. Almost every major carrier will insure your iPhone for a price and some third party companies also offer plans.
US AppleCare + Options
If you have not purchased your iPhone from your carrier, you may not be eligible for insurance through it. But there are stand-alone services, some of which offer multi-device coverage that may be a good choice for those looking to insure a phone, laptop, tablet, or other portable electronic gear.
SquareTrade: This AllState company will insure a phone for $ 9 per month, covering any device or model, old or new, and a $ 20 / month family plan covering four devices. Coverage follows you, not your phone, so you don’t have to reapply when you get a new iPhone. You must pay a 149 discount for repairs. Although it does not cover damage or theft.
Asurion: Asurion covers losses as well as losses and thefts, but they partner with carriers – Verizon, AT&T, Cricket and US Cellular. You are usually eligible to register within 30 days of purchasing or upgrading a new iPhone. The deductible may be lower when the rate is a little higher than average, but it all depends on your carrier and iPhone model.
AKKO: Phone insurance varies by model, 5- $ 12 per month. But you can cover a phone and 25 other items (laptops, tablets, cameras, game consoles and more) for $ 15 per month. The প্রতি 2,000 per claim limit doesn’t completely cover a high-end MacBook or Mac Studio replacement, but it does help. Deductible $ 29- $ 99, depending on the claim, and loss / theft is also covered.
Progressive: Progressive offers phone and electronic device coverage and covers damage, theft and accidental damage, without limiting the number of claims. A ব্য 7 to two year coverage advance is paid per month for a less expensive iPhone, up to about $ 12 per month for a more expensive iPhone. Deductible is $ 75.
Lori: Lori offers four levels of coverage from Starter to Spoil Me for about $ 7- $ 15 per month depending on your iPhone model. There are কর্ত 49 deductible for screen repairs (po 29 at the Spoil Me plan level) and up to $ 200 for a full iPhone replacement due to damage or theft. (If you have Geico insurance, they offer device coverage in partnership with Lori.)
UK AppleCare + Options
In the UK, a number of vendors offer affordable and flexible packages that protect your smartphone, tablet and PC kit like Apple.
Protect Your Bubble: It costs £ 6.99 per month to insure an iPhone 13, but there is an additional charge of up to 100 for loss or theft.
Gadget Cover: An iPhone 13 costs £ 6.45 per month, with an extra £ 100 for damage or theft.
General Insurance: Allows you to pay in advance for coverage and in some cases to save. We were quoted £ 214.95 for a three year plan on an iPhone 13, which breaks down to about £ 5.97 per month. The price reduction is not too much, but if you have cash now it may mean that you are not bound by monthly payments for the next 36 months.
Insuring older handsets can be problematic; Some insurers may require that you buy a new handset in the last so many months (probably 6 or 18). Be sure to check the full terms. Also keep in mind that policies with low monthly costs are often seen to be in excess of অতিরিক্ত 100, which may not be worth it if your iPhone is at a low end.
AppleCare + US Carrier Options
Most major phone carriers offer extended warranties and insurance that can greatly reduce the cost of screen repair or battery replacement, or other accidental damage. They can even cover damage and theft. Although there are always fine prints: many plans are only for those who buy the phone through the carrier (you have no luck if you bring your own iPhone) and have to be registered within the first or two months.
Verizon: Verizon’s coverage through a partnership with Ausurion (see above). Prices vary according to the model of the phone and family plans are available. The $ 29 fee for screen repair is a good deal if you (or your family) are prone to dropping their iPhone a lot.
AT&T: AT & T’s Protect Advantage plan is $ 14- $ 17 per month depending on your iPhone model, ছাড় 29 discount for screen repairs and a high discount for other repairs or replacements (this varies depending on the model). It covers damage and theft, and accidental damage (up to two claims).
T-Mobile: T-Mobile’s enhanced security plan is called security <360>. It allows up to 5 claims per year and offers $ 29 screen repairs, but discounts are higher for other repairs or replacements – usually around $ 99 for accidental damage and $ 249 for full replacement due to damage or theft. The monthly payment for most iPhones is about $ 18.
AppleCare + UK network options
UK readers should check out the following career policies:
- Carphone Warehouse: Provides protection from theft, loss and damage (including liquid loss) from মাসে 5 per month.
- EE: Provides protection against damage, loss and theft. It also offers a multi-policy discount, with prices starting at £ 4.80 per month
- O2: Provides protection against loss, theft and damage. Full coverage starts at £ 6 per month but varies depending on the phone model.
- Sky Mobile: Sky Protect covers up to ফোন 9 to four phones per month from accidental damage, breakage, damage and theft.
- Three: Offers both global loss and full cover with prices ranging from 4 to £ 7.50 per month.
- Virgin: Customers can sign up for insurance when they buy a handset, which Virgin says costs £ 7.99 per month but comes at no extra cost … theoretically. Coverage includes global coverage and protection against loss, damage, theft and more.
- Vodafone offers global damage and breakdown protection from 6.50 p / m and loss, theft and damage protection from 9.50.
Bank / credit card AppleCare + option
Some banks and credit cards offer device coverage for phones. Usually, the catch is that you have to pay your phone bill with that card to qualify. And most cards that offer this feature have an annual fee.
The exact details vary widely, so you’ll want to check with your credit card or bank. But if you qualify, it can be a way to save hundreds of dollars instead of buying separate insurance.
In the UK, Barclays, Nationwide, and NatWest offer insurance for mobile. Some of these banks will cover two iPhones in joint bank accounts, but be aware that policy and security levels will vary. For example, at the time of writing, Barclays is offering new or existing customers a প 14.50 p / m tech pack, covering up to four mobile phones priced at up to £ 1,500 each, along with an unlimited number of other gadgets up for evaluation as long as they are five years old. Is not. It works at £ 3.62 p / m for each phone when you break it down, which is really very reasonable.
Do you need iPhone insurance?
There is a tendency to think that you should get insurance as soon as you buy the latest iPhone. Or, at the very least, it is the message of the carrier who would like you to use their insurance services And although, yes, an affordable and comprehensive policy would not be wrong, it is sometimes worth visiting near home.
For example, if your iPhone breaks within the 12-month warranty period, Apple will cover you for manufacturing errors. AppleCare + users will be able to replace an iPhone if it suffers accidental damage. AppleCare + charges $ 29 / £ 25 for screen damage and $ 99 / £ 79 discount / extra fee for other damage. Here’s how to find out if Apple will replace your iPhone for free. We compare AppleCare + with normal insurance in a separate article.
Another way to include your phone under home content insurance. You can add your iPhone to your policy to include personal property cover, which applies to items lost, stolen or damaged at home. Be careful, though; Additional home insurance fees are usually higher and may result in higher premiums in the future.
Finally, just calculate the risks and costs. If you often find yourself with cracked screens, a plan that offers frequent, inexpensive screen repairs can be worthwhile. But if you think you don’t need a complete phone replacement for a few years, you can pay more for insurance (plus discount / extra) than to buy a new iPhone.
Beware of cheating
Most of the individual policies are reasonable, but some have flaws with big feedback. The Financial Conduct Authority (FCA), which regulates business in the UK, reports that many mobile insurers have misleading terms.
For example, some companies promise to compensate for the loss of a phone but in reality will not do so if the customer accidentally forgets his phone in a taxi. The FCA has found that coverage descriptions are vague or vague, such as the definition of “public space”. This affects whether the claim has been accepted.
According to the FCA report, a customer’s claim was rejected because he forgot his phone at a hotel. After the customer has already checked out, the insurer classifies the hotel room as a public place, which excludes claims from the coverage. You can view the FCA’s follow-up report here.
Some insurers do not protect iPhones from computer viruses, although this is a minor concern in iOS, and will only cover a handful of stolen and unauthorized data costs if reported within 12 hours.