Should I use high street providers to insure my iPhone?

The short answer to this is: no. Most high street providers charge roughly double the price compared to similar (or even the exact same) iPhone insurance policies that you can get online. There are a number of reasons why online insurers are so much cheaper, mainly due to the fact that they don’t have to pay rent for the premises etc. This means that these savings can be passed down to the consumer which is great news if you want to pick up a good insurance policy without spending a fortune.

Do I really need iPhone insurance?

“Need” might be a bit of a strong word here, but we definitely think that more people should think about insuring there iPhone. At the end of the day, you need to ask yourself whether you’d be able to afford to buy a new iPhone if anything were to happen to your current phone. For most of people, forking out around £600 for a new phone isn’t too easy! We recommend looking in to the pros and cons of having an iPhone insurance policy and then making a decision about whether you should get a policy or not.

What do high street providers charge?

Obviously this will depend on what high street provider you go to, but in most cases they charge in or around £15 each month to insure your iPhone. This is much more expensive than it needs to be, so make sure that you take a look online to see if you can find a better deal (we’re sure that you will be able to, just check out our homepage for details!). Some people assume that since they charge so much that the coverage will be a lot better, but this isn’t necessarily true. As we just said, take a look at our homepage and you’ll see that you can insure your iPhone from as little as a few pounds each month!

How do I compare one insurer from another?

This can be one of the most difficult things to do when you’re shopping for iPhone insurance. It can be very time consuming to compare all the different policies that are available to you, but thankfully there’s one way that you can compare many different iPhone insurance policies that are targeted towards people in the UK and that’s by using our site. As you can see on the homepage, we tell you exactly what each insurance policy covers such as loss, theft, accidental damage etc. as well as the price per month/year so you can get the best deal that’s available at the moment.

Is it possible to have my phone insured on my home contents insurance policy?

Yes you can get your iPhone insured on your home contents insurance but there’s one problem about doing this. Nearly all home contents insurance policies have an excess such as £200 or £300 which basically means that if you make a claim from your insurance they’ll take away the excess from the claim that you’re making. So, let’s say that your iPhone 5 is valued at £500 right now and your excess on your home contents insurance is £300. That means that if you make a claim you’ll only get £200 (500 -300) rather than the full £500 that you’ll need to replace your phone. This is why it’s worth thinking about insuring your iPhone separately.

Protect Your Bubble is one of the largest online gadget insurance providers that allow you to insure just about any gadget that you own, including any model of the Apple iPhone. Even before the 10% off offer started, Protect Your Bubble was one of the cheapest companies to insure your iPhone with but thanks to this offer they are even cheaper to use. You can buy iPhone insurance for as little as £5.39 a month now, but don’t forget that this offer ends on the 12th October 2012 (the offer runs for one month) so why not grab yourself a bargain today?

If you’ve bought the iPhone 5 you’ve probably noticed that it is currently the most expensive iPhone yet. In the past, the basic model cost £499 but now the Apple iPhone 5 costs £529 for the 16 GB model. Don’t think that you could afford to buy another one if you needed to replace your phone? Then you probably should check out Protect Your Bubble, especially while this offer is still running. At Protect Your Bubble you can get cover which will cover your iPhone from accidental damage, loss, theft and even unauthorised calls, all just for around £5 a month!

Still not sure who you should purchase iPhone insurance from? Then why not take a look at our homepage to compare iPhone insurance from all of the leading iPhone insurance companies? It only takes around one minute to compare all of these different insurers on our homepage and then you can make a decision about what company is the best for your needs. As well as this, if you’re on a tight budget but still would like to get iPhone insurance then you’ll be able to find policies which start from just £19.99 per year!

Insurer	Monthly Premium	Annual Premium	Unauthorised Calls	Loss	Theft	Max Age Of Item (Days)	Accidental Damage
	£5.99	£71.88	£100			365
	£6.99	£83.88	£100			365
		£19.99				180
		£49.99	£1000			180
		£59.99	£1000			180
	£5.99	£65.89	£100			180
	£5.99	£65.89				1095
	£6.99	£76.89	£1000			1095

Your iPhone 5 comes with 12 months warranty from Apple, unfortunately though this doesn’t cover accidental damage and it certainly doesn’t cover if it’s lost or stolen. If you don’t think you’d be able to afford another one if it was damaged beyond repair, lost or stolen or get it repaired if it was accidentally damaged (repairs can cost £100+) then why not take a look at our comparison table. We compare quotes from major mobile phone insurance companies so you can be sure that you’ll find a great deal. Take a look at the table to find a great deal on your iPhone 5 insurance which can include loss, theft, accidental damage and unauthorised calls made if its lost or stolen.

As you can see from the insurance table insuring your iPhone 5 doesn’t necessarily have to be expensive. Many of the policies will cost you just a couple of pound a month which isn’t too bad considering the phone would cost at least £529 if you didn’t have any insurance for it. Buying insurance for your iPhone 5 is nearly worth it just for the peace of mind when you think about it!

Insurer	Monthly Premium	Annual Premium	Unauthorised Calls	Loss	Theft	Max Age Of Item (Days)	Accidental Damage
	£5.99	£71.88	£100			365
	£6.99	£83.88	£100			365
		£19.99				180
		£49.99	£1000			180
		£59.99	£1000			180
	£5.99	£65.89	£100			180
	£5.99	£65.89				1095
	£6.99	£76.89	£1000			1095

Even though the iPhone 4S is a year or so old, it still has some great specifications including an 8 megapixel camera, face detection for images, 200 hours of standby time etc. so it’s not as if it’s not a good phone anymore just because the iPhone 5 is out! It’s easily one of the best phones that are out at the moment so if you’re lucky enough to own one it might be worth considering iPhone 4S insurance. If you’re not quite sure how to go about finding iPhone 4S insurance and how to get the best price on it then you’ll be glad to know that you can compare different insurance for iPhone 4S policies on the table for loss, theft, accidental damage and unauthorised calls if its lost or stolen.

We’ve listed some of the best iPhone insurance companies to make sure that you’ll get the best deal. As you can see from the table, you can insure your iPhone 4S for as little as £19.99 a year which isn’t bad considering the actual phone costs hundreds of pounds to buy!

Insurer	Monthly Premium	Annual Premium	Unauthorised Calls	Loss	Theft	Max Age Of Item (Days)	Accidental Damage
	£5.99	£71.88	£100			365
	£6.99	£83.88	£100			365
		£19.99				180
		£49.99	£1000			180
		£59.99	£1000			180
	£5.99	£65.89	£100			180
	£5.99	£65.89				1095
	£6.99	£76.89	£1000			1095

If you don’t think you’d be able to go back to using any other phone we’d recommend that you take a look at the iPhone 4 insurance comparison table below and insure your phone when you get the chance. iPhone insurance really isn’t as expensive as a lot of people think it is, so take a look at the table to see if you can find a policy that suits you. We compare iPhone 4 insurance prices from a number of different companies to make sure that you find the best offer that’s available today. For just a few pounds each month you can insure your iPhone 4 for loss, theft, accidental damage and unauthorised calls and never have to worry about accidentally breaking your iPhone when you drop it etc. Don’t forget that different insurance policies cover different things, so if you want to be insured against loss, theft and so on you’ll have to pay a little bit extra but it could be worth it in the future!

If you want to save some money on insuring your iPhone 4 then have a think about paying for it yearly which will give you a small discount compared to if you were to pay it monthly. The cheapest iPhone 4 insurance policy is currently £19.99 per year so why not take a look at this if you don’t want to spend a lot of money on getting your mobile phone insured?

However, there is another way that you can be entered in to our competition and that’s by purchasing an iPhone insurance policy through our website. Simply fill in the information below to be in with the chance of winning a brand new Apple iPad!

• Unauthorised Calls – Many iPhone insurance policies will insure you against unauthorised calls. This is great, but not everybody will need this level of cover. Essentially, if you are insured against unauthorised calls and there are any calls made when your mobile phone goes missing then you won’t have to pay for them. This might be good if you are on bill pay or whatever, but if you are a pay as you go customer you won’t really need this because you’ll more than likely only have around £10 credit on your phone most of the time. What’s the point in paying extra to be insured against unauthorised calls when you usually have a tiny amount of credit on your phone? However, if you’re a bill pay customer then you might want to have this on your iPhone insurance policy. As we said before, just because a policy is one person’s best iPhone insurance cover doesn’t necessarily mean that it’ll be good for another person.

• Loss / Theft – If you are out and about a lot then you really should consider getting an iPhone insurance policy which covers both loss and theft. You mightn’t think that you could ever lose or even have your iPhone stolen, but unfortunately these things do happen. However, if you don’t really bring your Apple iPhone out with you that much then you might get away with buying cheap iPhone insurance that doesn’t cover you against loss or theft. For example, if you have a company phone and never take it out of your house then you mightn’t need to pay to get it insured against loss or theft, although it could always be stolen from you home!

• Travelling Abroad – A lot of people don’t think about travelling abroad when they are looking for the best iPhone insurance for them. If you regularly travel abroad then you really should check out whether the insurance company will still insure your iPhone while you’re out of the United Kingdom. Nowadays, a lot of policies offer worldwide cover as standard but it’s not a bad idea to ask them just to be 100% safe.

• Contract – Some people assume that you need to agree to a 12 month contract or whatever if you want to buy iPhone insurance, but this isn’t true. There are plenty of insurance companies who’ll insure your iPhone on a monthly basis, some for as cheap as a couple of pound each month. If you’re the type of person that doesn’t like signing up to contracts (and who does?) then you might want to go with one of the companies that let you pay each month rather than yearly. Even though this will cost a little bit extra in the long run, it could be worth it just in case you lose your job or whatever and don’t have enough money to insure your iPhone. Take a look at our homepage to see some of the best iPhone insurance policies that are on the market at the moment, including some which don’t require you to agree to a contract.

• Max Age of iPhone – Don’t forget that some iPhone insurance policies won’t insure your iPhone if it has been used for over a certain amount of time, for example: 30 days, 90 days etc. There’s no point insuring your iPhone that’s 6 months old if the policy only covers phones that are under a month old, because if you ever do need to make a claim they won’t accept it which isn’t exactly what you want to hear after your iPhone breaks, gets robbed etc!

Hopefully this list will help you find the best iPhone insurance policy for you, just remember to take your time and make sure that you get a policy which is just about perfect for you. Don’t forget to go to our homepage to compare iPhone insurance and get the best deal that’s on the market at the moment!

App Store

Nowadays, a phone isn’t good if it isn’t able to get apps. Not only does it have to be able to download apps, but it also has to have a wide range of apps for you to choose from – and this is exactly what you’ll get if you own an Apple iPhone. There is just about every type of app on the App Store and new apps are added every day which means that you’ll never get bored of your iPhone.

Web Browsing

In the past, browsing the web on a mobile phone was something that nobody liked doing, mainly due to the fact that you’d be missing out on most of the web page since you’re viewing it on a mobile. Apple changed this though, since you can get the very same web browsing experience by using your iPhone (except for flash of course!). After Apple developed what is known as Webkit for their Safari browser, it was later used by other companies such as Google’s Android web browser. We wouldn’t like to think what browsing the web would be like on a phone today if it wasn’t for the iPhone!

Touchscreen

Although Apple didn’t necessarily come up with the idea of a touchscreen mobile phone, they certainly perfected it. Before the iPhone, all touchscreens came with a stylus which you had to use to tap on the screen. Apple changed this by using a capacitive touchscreen which allowed people to use their fingers to control their phone, rather than a bit of plastic that looked like a pen. Not only this, but iPhone’s were also the first mobile phones that were able to use the touchscreen to its full potential by adding gestures like pinch to zoom and so on which can be used to zoom in our out of pictures etc. Nowadays, other phones have some of these features but iPhone’s are still the most popular touchscreen on the market.

Style

Mobile phone manufacturers always tried to make a phone that works really well as well as looking good. Not so long ago, phones weren’t exactly very stylish. However, Apple also changed this. Most people fall in love with Apple products such as the MacBook Pro from the moment that they see it, and it’s no different with the iPhone, whether you’re talking about the iPhone 4S, 4, 3GS, 3G or even the original iPhone!

The materials that are used in both the iPhone 4S and 4 are quite good, but that’s not to say that they can’t get damaged sometimes. Even though the glass used on these iPhone’s is the same glass that is used for helicopters and high-speed trains (aluminosilicate glass) there has still been many reports of the glass cracking or even smashing when people accidentally dropped their iPhone. We all know how delicate glass can be, no matter what type of glass it is. For this reason alone, you really should think about getting iPhone insurance if you cannot afford to pay hundreds of pounds for another one.

Scratches on the screen can also be a problem for iPhone 4S and 4 owners, although it mightn’t seem like much of a problem if the phone gets badly scratched it might be difficult for you to see what’s on the screen and if the scratches are very deep in the glass they could eventually get a lot worse just like a scratch on a car windscreen could get worse! If you don’t want to be worrying about something like this happening to your iPhone then why not visit our homepage so that you can compare iPhone insurance deals within a minute or two?

However, it’s important to remember that iPhone insurance doesn’t just cover you against accidental damage. iPhone insurance policies also allow you to insure your Apple iPhone against theft, unauthorised calls and more. Considering that it only costs a couple of pound each month, it’d be a bit silly not to insure your iPhone really!