Just £6.49 a month
Save 10% off your premium when you order mobile insurance online today! Simply click the button below and enter the voucher code FLASH10 during checkout. Offer ends Monday 27th March.
The Apple iPhone is one of the best and most expensive phones you can buy, with a retail price of up to £789. 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 cheap mobile insurance for all current iPhone models including the iPhone 5c, iPhone 5s, iPhone 6 and 6 Plus, iPhone 6s and 6s Plus, and the new iPhone SE from only £6.49 a month. And as soon as it launches we'll be offering iPhone 7 insurance too. So get peace of mind today with our affordable mobile phone insurance! Are you insuring on behalf of a company? Check out our business phone insurance today.
We have some of the most comprehensive insurance cover in the UK, with our policies including 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.
Covers you for repairs and replacements to your iPhone if it suddenly stops working outside Apple's warranty. By renewing your policy with us you can continue to cover your iPhone for a further 5 years.
This policy keeps you covered for the use of your iPhone anywhere in the world for up to 90 days in any 1 year.
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.
If your iPhone is lost or stolen we will cover up to £2,500 of unauthorised calls.
We'll replace any accessories (up to £150) if they are damaged, stolen or lost at the same time as your iPhone.
Accidental loss (additional £1 a month)
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.
At Tinhat we offer some of the best phone insurance in the UK, and pride ourselves on offering policies that are fit for purpose. That's why we offer:
Expensive excess charges defeat the point of getting gadget insurance. At Tinhat, if you make a claim your excess will be just £50 for replacing or repairing your iPhone. It's the same for all types of claim.
Unlike many insurance companies your iPhone is also covered while being used by immediate family, with no restrictions on their age. This also means that if you want to insure your child's mobile phone you can do so in your name.
Some insurers impose limits on the number of claims you can make, or have different limits for accidental damage and loss claims. At Tinhat there is no limit to the number of claims that you can make.
We understand that you want the best for your iPhone, so if when your accidental damage claim is authorised you'll have the option of taking to your local Apple Store for an official repair.
*When your accidental damage claim is approved you'll be given the option of getting your iPhone repaired at your local Apple Store instead of sending it into one of our repair centres. You'll need to agree this in advance with our policy administrator, and once you've paid for the repair we'll reimburse you for the cost (minus your £50 excess fee). If you're unsure whether you have a store nearby you can check using the Apple Service Store finder.
You can also cancel your policy at any time, for any reason, and we're also one of the first mobile phone insurance companies in the UK to offer a no claims bonus to our customers. If you don't make a claim in the first year of your policy, we'll reduce the excess by 25%. Each year of no-claims reduces the excess by another 25%, so you won't have to pay any excess at all if you claim after accumulating 4 years of no claims on the policy.
We pride ourselves on offering great customer service and reliable mobile insurance. We greatly value our customers' feedback, and here are a selection of our most recent reviews:
"Better than Protect Your Bubble on prices!"
"Fantastic cover and very pleased with my insurance cover...thanh you Tinhat" - Natasha, Stourbridge
"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
"Great value gadget insurance for iPhone and iwatch . Easy to set up and great cover. One of the best providers out there!" - Nigel, Wiltshire
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:
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 older than 18 months - you won't be able to take out cover for your iPhone if it was bought more than 18 months ago.
Refurbished iPhones that weren't bought directly from Apple or a UK mobile phone network - there are a few exceptions to this, but in most cases we can't insure your refurbished iPhone unless it was bought directly from Apple or from a UK mobile phone network. This is especially true if it's a Grade B or below refurb.
Claims for incidents within the first 14 days of taking out your policy (unless your iPhone is less than 6 months 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 from inside commercial vehicles - so if you're a taxi driver, this insurance won't cover your iPhone for theft while you're using your vehicle.
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 much does it cost?
All iPhone models cost the same amount to insure:
Basic cover includes all of the insurance features above (except for accidental loss) and costs £6.49 a month or £71.39 a year.
Full cover adds accidental loss and costs £7.49 a month or £82.39 a year.
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:
Secure Trading, 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 10%.
We have some of the best phone insurance premiums in the market. Check out how we compare to other insurance companies and decide for yourself:
|Brand||Monthly||Annual||Instant cover||No claims bonus|
Protect Your Bubble
|Buy Mobile Phone Insurance||£8.98||£107.76||No||No|
|Insure My Pocket||£9.99||£99.90||No||No|
*Pricing is for an iPhone 6s Plus 64GB and was last checked 15/08/2016.
Apple does offer their own form of insurance called AppleCare+. This is quite different from a standalone mobile insurance policy, and so if you've just bought a new iPhone and would like to understand the differences, read about how Tinhat insurance and AppleCare+ compare.
When you're comparing the best iPhone insurance policies be sure to check the finer details in the policy terms and conditions to ensure that you get the right combination of affordability and reliable cover. If you'd like to order insurance from us, simply select your model of iPhone below to get started. If you have an iPad too, we also offer iPad insurance to cover you against accidents, loss and theft.
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, minus a £10 administration fee.
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 firstname.lastname@example.org or call us on 01865 364390, and we'll be happy to help with any questions you might have.