Hi all,

I'm the proud new owner of an iPhone 6S and, as this is the first phone I've had that's worth more than a hundred pounds (yes, really!), I think I'd better get some insurance sorted!

Any recommendations? I don't have a premium current account with my bank, I know they sometimes give you mobile insurance, but I'd rather not change bank accounts just to get that, so I'm looking for a dedicated mobile insurance policy. I've seen a few on the web, but would rather get a recommendation from someone who's used them.

Thanks in advance!


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Is it covered via contents insurance?

No, I don't think so. Not away from the house anyway.

Also, my provider, EE, didn't provide a quote presumably because I bought the phone from Apple and just went to them to upgrade my package to a sim-only deal.


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I think the last (and only) time I've had mobile insurance it was with Insure and go or something like that. It was cheaper that the phone providers but I never had to claim off it and that's the important bit.
You could have a look and see if the price comparison sites cover mobile insurance.

Used the bank insurance twice. Excess was £50. Self inflicted not covered. In short not worth the premium.

Applecare. You're allowed a couple of accidents a year and they will replace the phone no questions asked.

Thanks guys (and gal). I looked into AppleCare but, from what I can see, it's purely an extended warranty for accidental damage, repairs or faulty products and doesn't cover against theft, which was my main worry - that's why I was looking for a dedicated mobile phone insurance.


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Your best bet is the house insurance then

The price of the AppleCare is very expensive here, it costs more than most of smartphones we use at home!

We took it out for one of our company phones, because Apple make you send in the iPhone over here and you have to wait 2 weeks for them to reutrn it. With AppleCare, Apple will replace the iPhone when they collect the old one - which is what every other smartphone supplier does anyway.

But it was just too expensive. Given we have around 40 smartphones and have replaced 2 broken screens, it just doesn't pay for itself - although with the Secure Enclave and the price of replacing a screen on a 6S /6S+ (about 300€ - 400€, as opposed to 140€ for a 6/6+ and the 40€ or so for most normal Android phones), it might actually be worth looking at again.

I only took out AppleCare as mine had an accident in some water. Of course I took out the insurance in case it died and it's been fine ever since lol. The rice trick worked though I did get some funny looks asking for rice in the canteen at work.

Note that if you can wangle an education pricing, Applecare is much MUCH cheaper.