iPhone Insurance
From just £5.99 a month
The iPhone is one of the best and most expensive phones you can buy, with a retail price of up to £1,500. If you bought your iPhone on contract you might not realise its true value, and more importantly its replacement cost should you break it or lose it. We offer great value mobile insurance for all current Apple models including the iPhone 7 and 7 plus, iPhone 8 and 8 plus, the iPhone X, XR, XS and the XS Max, the iPhone 11, 11 Pro and 11 Pro Max, the iPhone 12, 12 Pro and 12 Mini and the latest iPhone 13, 13 Pro, 13 Pro Max and 13 Mini. So, get peace of mind today with our fantastic mobile phone insurance!
Are you insuring on behalf of a company? Check out our business phone insurance today.
What's covered?
Our policies include cover for everything below:
Accidental damage (including liquid damage)
Covers accidentally cracked screens, dropping your iPhone in the toilet, and any other damage that prevents your iPhone from functioning normally. Accidental damage does not cover general wear and tear or purely cosmetic damage.
Mechanical breakdown
Covers you for repairs and replacements to your iPhone if it suddenly stops working outside Apple's warranty.
Unlimited worldwide cover
This policy keeps you covered while using your iPhone anywhere in the world, with no limit on the length of your trip.
Theft
Covers you for any damage or loss resulting from your iPhone being stolen, as long as it is in your possession or stored in a secure place out of sight.
Unauthorised calls
If your iPhone is lost or stolen we will cover up to £10,000 of unauthorised calls.
Accessories cover
We'll replace any accessories (up to £150) if they are damaged, stolen or lost at the same time as your iPhone.
Accidental loss (optional)
Covers you for the replacement of your iPhone if you accidentally lose it.
To find out more about what we do and don't cover on our low cost mobile phone insurance, please read our terms and conditions. This document lists any key exclusions that might apply to you, plus all of the benefits that you get with your insurance policy.
Reviews from our customers
We pride ourselves on offering great customer service and reliable iPhone insurance. We greatly value our customers' feedback, and here are a selection of our most recent reviews:

"Easy to use website!"
"Got iPhone 7 insurance, was looking around and this was the cheapest price, getting the insurance was easy, no misleading questions and easy to fill in boxes." - Emily

"Everything I needed from an insurer"
"Helpful, speedy, got my replacement device delivered to me 4 days after confirmation. Couldn't fault it." - Joshua, Buckinghamshire

"Try Tinhat"
"Great value gadget insurance for iPhone and iWatch. Easy to set up and great cover. One of the best providers out there!" - Nigel, Wiltshire

We really value honest feedback, and are proud to say that our gadget insurance is rated 8.6 out of 10 based on 203 customer reviews at Feefo.
Key exclusions
All iPhone insurance policies have to contain exclusions to help reduce fraud and keep premiums affordable, and ours are no different. Even so, Tinhat policies are designed to be incredibly fair and simple to understand, and so we've highlighted the key exclusions below:
iPhone exclusions
Pre-owned iPhones - we aren't able to insure any iPhones that were bought second hand. This includes iPhones purchased from private individuals and also second-hand goods stores like CeX.
iPhones bought more than 12 months ago - you won't be able to take out cover for your iPhone if it was bought more than 12 months ago.
Refurbished iPhones without a 12-month warranty - we can't insure your refurbished iPhone unless it was sold with at least a 12-month warranty.
Claims for incidents within the first 14 days of taking out your policy (unless your iPhone is less than 60 days old) - this is to help us prevent fraudulent claims, which in turn allows us to provide affordable insurance to our genuine customers.
Accidental damage exclusions
Cosmetic Damage - we can't repair or replace your iPhone if the damage to it is simply cosmetic (things like scratches, stains or minor chips to the body). We can repair your iPhone if it's broken, but we can't restore it to new condition.
Theft Exclusions
Theft from an unattended personal vehicle - unless your iPhone is out of view in a closed compartment and the vehicle is locked.
Theft in a public place where your phone is left unattended - for example, if you leave your iPhone on a pub table and it's stolen while you go to buy a drink. Our insurance still requires you to take reasonable precautions to protect your phone.
To find out more about what we cover, and any exclusions, please read our terms and conditions.
How can I pay?
If you decide to pay monthly then you'll just need to enter your Direct Debit details during checkout. If you decide to pay for the year upfront (this gets you 12 months of iPhone cover for the price of 11) then you can pay with any of the following cards using our secure online payment provider:
Paymentsense, our payment provider, uses the very latest technology to ensure that your personal details are kept safe.
All premiums are inclusive of Insurance Premium Tax (IPT) which is currently 12%.
Frequently asked questions
Here are a few of our most frequently asked questions, plus some links to more information if you need it:
What models of iPhone do you insure?
What's mechanical breakdown cover?
Do you offer multi-gadget policies for families and businesses?
How can I pay for my insurance?
Do you insure refurbished iPhones?
If I buy insurance today, when will my cover start?
Can I cancel at any time?
- If you're paying monthly and haven't made any claims we'll simply stop taking direct debit payments and you'll be covered up to the end of your billing month. If however you have made a claim in the first 12 months and decide to cancel you will still need to pay any remaining premiums for the 12 month contract.
- If you're paying annually and wish to cancel then you'll receive a pro-rata refund.
For full details please read our cancellation policy.
Can I insure my child's iPhone?
What kind of replacement iPhone do you provide?
Can't I just cover my iPhone on my home insurance?
What's the excess?
Do you sell insurance with no excess?
Have any more questions?
Please get in touch with us at sales@tinhat.co.uk, and we'll be happy to help with any questions you might have.
Most popular Apple devices
Other Apple Products
If you can't find the iPhone you're looking to insure, please contact us.
iPhones coming soon
We're now counting down to the launch of the new 2020 iPhones. We're expecting an 4 models, including the iPhone 12 and iPhone 12 Pro.
Apple have announced a delay on these devices, so watch this space.
The 2019 iPhones (11, 11 Pro and 11 Pro Max) were launched in September last year.
The 2018 Apple iPhone launch included the XS and XS Max and the XR.