• Loss: if you lose your iPhone somewhere
• Theft: if your iPhone is stolen
• Accidental damage: if it’s damaged in an accident
• Malicious damage: if someone intentionally damages it
• Liquid damage: if you or someone else spills a liquid over it
• Screen cover: if the screen cracks
• Mechanical breakdown: if there’s a mechanical or electrical fault outside of the warranty period
• Accessories: if you have a hands-free kit or case that also get lost, damaged, or stolen
• Overseas: if you have to claim for something that happens overseas
• Family cover: if people in your family have iPhones you want covered
• E-Wallet: if someone who’s stolen your phone uses your E-Wallet feature, such as Apple Pay
• Unauthorised calls, messages, and downloads: if someone who’s stolen your phone makes calls, sends messages, or downloads anything

The most common claim types when it comes to mobile phones are a damaged screen, liquid damage, theft and loss,* it could be a good idea to think about adding this type of cover to your policy to make sure your iPhone is fully protected.

If your iPhone is broken beyond repair, then your insurer should send you a replacement – however it may be a refurbished model instead of brand new.

And what if you lost your iPhone? Or it was stolen? More than four out of five people who insure their iPhone choose to take out cover for theft or add cover for losing their iPhone. Only 3% of people choose not to add accidental damage to their new policy.