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iPhone 16 insurance

Name: iPhone 16 insurance
Brand: Apple
SKU: iPhone 16
Rating: 4.6 (5040 reviews)

Comprehensive insurance for iPhone 16 models at great prices, with award winning in-house customer care.

Authorised by the Financial Conduct Authority

iPhone 16 insurance

Comprehensive insurance for iPhone 16 models at great prices, with award winning in-house customer care.

Authorised by the Financial Conduct Authority

Why insure your phone with loveit coverit?

Over 30 years providing phone insurance

We’ve been in the insurance industry since mobile phones were the size of bricks, so you can trust your device in the hands of an experienced company. We cover all brands from iPhone insurance to Samsung Galaxy Insurance.

All claims handled by our in-house team

We’re always happy to help and we’re proud to offer an end-to-end mobile insurance service. All repairs and replacements are issued from our own technicians and supported by our friendly, UK-based customer care team.

No minimum phone insurance contract

We won’t tie you down with a 12 or 18-month contract unlike other insurance providers. With loveit coverit’s rolling contracts your policy is flexible and can be cancelled at any time, subject to terms and conditions.

Our 14-day money back guarantee

Provided you haven’t made a claim on your policy, you’ll receive a full refund if you cancel your mobile phone insurance policy within 14 days of the policy start date with the loveit coverit 14-day money back guarantee.

Insure more than one device, save 10%

More gadgets? More savings! Insure multiple devices with loveit coverit and get 10% off. Including phones, tablets, watches, laptops, headphones, cameras, and games consoles, just add more than one device at checkout.

Unlimited phone insurance claims + repairs

Many of our competitors only allow one or two claims each year. With loveit coverit, there’s no limit on the number of phone insurance claims you can make, regardless of whether it’s a claim for accidental damage, theft, or loss.

Compare our Monthly iPhone 16 Insurance Prices

We’ve compared our monthly pricing for the iPhone 16 against other providers to give you an overview of the insurance prices for the iPhone 16.

iPhone 16	loveit coverit	Apple	Post Office
Trustpilot Rating	4.6/5 Excellent	1.9/5 Poor	1.7/5 Bad
Cover Level	Premium	AppleCare+	Premier
128GB	£5.99	£9.49	£10.75
256GB	£6.99	£9.49	£12.25
512GB	£7.99	£9.49	£15.00

*Information and pricing last updated 18/10/2024.

iPhone Insurance, As Seen On

iPhone 16 Insurance Explained

Understanding what your insurance covers is crucial to ensuring peace of mind. Our comprehensive iPhone 16 insurance offers protection against a range of risks, from accidental damage to theft, giving you confidence that your device is safeguarded. Below, we've detailed each aspect of our coverage, explaining what’s included and why it matters, so you can make an informed decision and avoid surprises when you need support the most. Learn how our policies protect your device, wherever you are, and what you should consider when choosing the right cover for your needs.

Accessory cover

Should something happen to your mobile phone, we’ll also cover any accessories attached to it worth up to £175 such as a case, charger or wired headphones*

Accidental damage

Unexpected and unintentional physical harm to a mobile device, such as a cracked screen or liquid damage. Which is not covered under warranty.

Airtime abuse

Airtime abuse can occur when a phone or gadget is lost or stolen, and refers to the unauthorised excessive use such as making calls, sending messages, or using data.

Cracked screen

A cracked screen can affect the functionality of a phone whether it’s a slight crack or a full-blown smash, we’ll get your device’s display back in working order.

Liquid damage

Liquid damage refers to accidental harm caused by exposure to liquid like water, coffee, etc. Resulting from a dropped phone or spills.

Loss

Mobile phone loss refers to the absence of your mobile device due to misplacement, or other accidental circumstances that result in its absence.

Mechanical breakdown

Mechanical breakdown refers to failure of internal mechanical components of the device, such as the battery, buttons, or ports outside of manufacturer warranty.

Theft

Mobile phone theft insurance means you can be protected against unauthorised usage and receive a replacement device if your phone is stolen.

Worldwide cover

Your phone will be insured within the UK, Northern Ireland, Isle of Man, Channel Islands and the Republic of Ireland and unlimited cover for one year worldwide.

iPhone 16 Insurance: Unlimited Claims, Repairs, and Worldwide Cover

Get unbeatable protection for your iPhone 16 with loveit coverit’s comprehensive iPhone 16 insurance. Whether you drop it, crack the screen, spill coffee on it, or even lose it, we’ve got you covered. Our policies protect against accidental damage, theft, and loss*, so your iPhone stays safe no matter what happens.

We also cover mechanical breakdowns, airtime abuse up to £10,000 (if thieves run up your phone bill or go wild with your data), and even accessories like cases and wired headphones up to £175. Plus, with unlimited worldwide cover, unlimited claims, and unlimited repairs, your iPhone 16 is fully protected wherever you go… no limits!

Join the thousands who trust loveit coverit, a specialist with over 30 years of experience and award-winning customer service. Our iPhone insurance gives you total peace of mind. Why risk it? Insure your iPhone 16 with the best in the business today.

*loss is included with our Premium cover, terms and conditions apply.

“Absolutely amazing company. My son’s iPhone broke two times in two years and they were absolutely quick to repair it.”

– Cristiana D

Protecting Your iPhone 16

How to Use Find My iPhone: Adding Your iPhone

On your iPhone, go to Settings > [Your Name] > Find My.
If prompted, sign in using your Apple ID.
Don’t have an Apple ID? Tap Don’t have an Apple ID or forgot it? and follow the instructions.
Tap Find My iPhone, then switch it on.

Other Security Settings for iPhones:

Find My Network:
This feature helps locate your iPhone even if it’s offline (no Wi-Fi or cellular connection). Supported models (iPhone 11 to iPhone 16) can be located up to 24 hours after being turned off or 5 hours in power reserve mode.

Send Last Location:
Automatically sends your iPhone’s location to Apple when the battery is critically low.

Activation Lock:
This security feature prevents anyone else from activating and using your iPhone, even if it’s fully erased. For more information, see Apple’s guide on Activation Lock.

iPhone 16 Excess Costs

We believe in keeping everything clear and easy to understand for our iPhone Insurance customers, here are the excess costs for accidental damage and breakdown, liquid damage, or theft and loss claims.

	Accidental Damage and Breakdown	Liquid Damage	Theft & Loss Claims
iPhone 16 Pro Max	£115	£115	£175
iPhone 16 Pro	£100	£100	£125
iPhone 16 Plus	£100	£100	£125
iPhone 16	£80	£80	£100

Frequently Asked iPhone 16 Insurance Questions

Yes, but all iPhones must be purchased from a VAT registered UK supplier within the last 36 months (from the policy start date). This must be supported by a valid proof of purchase document.

You may have 12 months' coverage with your manufacturer, but this will usually only cover mechanical breakdowns. Cracked screens, liquid damage, accidental damage, loss, and theft are not included.

Step 1. Go www.iCloud.com via an Internet Browser.
Step 2. Click on the option 'Find My' (Displays as a Radar Symbol).
Step 3. Under the sub-category of “all devices” - Select the device that has been Lost / Stolen.
Step 4. Click 'Mark as Lost'.
Step 5. Add the following message when prompted - “Please contact 01702 568 081 if found”.

The truth is that phone insurance may not be worth it... until you actually have to make a claim. You could very easily pay out for insurance every month and never see a return on your investment, which may seem like a waste. But if you choose to go without insurance and your device is broken or lost, you’ll almost certainly have to spend more money to fix it than you would have sent on a policy. If you feel comfortable without insurance, then you probably don’t need it, but if you want that added peace of mind, it’s a must-have.

Remove Find My iPhone via iCloud

Step 1 - Go to www.iCloud.com & log in with your Apple ID & Password.
Step 2 – Click on ‘Find My’ symbol (Displays as a Radar Symbol)
Step 3 – Click on phone you need to remove - listed in the section ‘All Devices’
Step 4 – Select the option ‘Remove This Device’
Step 5 – Click ‘remove’

To remove Find my iPhone via your device

Step 1 – Go to ‘settings’
Step 2 – Tap on your name at the top (Apple ID, iCloud, iTunes & App Store)
Step 3 – Tap on ‘Find my’
Step 4 – Tap on ‘Find my iPhone’
Step 5 – Swipe off Find my iPhone (you will need to enter your Apple ID password for this to take effect)

No. Whilst every care is taken to ensure that our list is complete and up to date, the iPhone market changes very often. Please contact us to give us the details of your iPhone model, and we will confirm if it is a model we can cover.

See full FAQ