Theft, loss or accessory cover: which is the best iPhone insurance to have?

May 26, 2017

iPhones are expensive devices to fix! I found this out the hard way. Their price is a function of the level of engineering complexity within the devices, the cost of the components and a healthy does of profit margin to Apple HQ.

In our household, we don’t tend to think too much about insuring our Apple kit, instead we tend to replace the each device with the newest version and pass the old tablets and handsets down through the family and onto the kids. However, that was before I SOMEHOW (and rather annoyingly) managed to drop both my iphone and ipad and cracked the screen on each. After the event (isn’t that always the way!!) I checked to see if I was covered on any to-hand insurance policy (namely our household insurance)….. bad news.

Anyway, moving forward… Since then, I’ve been looking into the insurance options available in protecting our collection (requiring a multi-gadget policy I believe) of iPads, iPhones, Macbook, and Samsung tablets. Turns out, the considerations for iphone insurance are the same as they would be for Samsung, Google, HTC or Sony, but, there are variantions in the fees to fix and replace devices depending on their brand and value.

Historically, I haven’t tended to plan for the worst, but, since my rather annoying breakage and ensuing fixing fees, I am seriously considering my insurance options. Helpfully, loveit coverit insurance (they insure a range of gadgets, including iphones and ipads) have put together a handy guide showing what you get for your cover across the four main types of insurance provider,

Read on …

So how do you choose which policy is best suited for your needs?

There are four main mobile insurance providers – you can take out a policy with your home insurance, with your bank, with your mobile network, or with a third-party provider. However, not all mobile phone insurance policies are created equal. Each insurance provider offers different terms and conditions for situations such as theft, loss, and damage to your device. Sometimes you want a policy that prioritises mechanical damage, or maybe you’re looking for cash compensation rather than a replacement device.



When it comes to losing your phone, various insurers offer different ways to compensate:

Standard contents and home insurance usually only replaces your phone if it was lost in a burglary, flood or fire. Unfortunately, it doesn’t cover any event that occurs outside your home, unless you have additional personal-belongings cover as an extension to your home insurance.

Mobile phone insurance with your bank can be handy if you wish to rely on one provider for many areas, but often comes with higher premiums compared to a pure play provider.

Mobile network providers do not often cover any unauthorised calls, texts or usage on a lost or stolen device.

When purchasing insurance from a pure play provider, loss cover can usually be purchased in one of the premium packages, so you can always trust that your phone will be replaced in a timely manner.



When your phone gets stolen it can be a nuisance to get everything sorted out, and receive a replacement handset.

Home insurance will cover your phone if it was stolen in a burglary or damaged by fire, floods, or extreme weather. But if your phone is stolen outside your home (which is usually the case), then you may not be able to make a claim.

If your phone is stolen and you hold mobile phone insurance through your bank, you are usually insured for standard cover such as damage and breakdown, but not usually for loss and theft.

Most mobile network providers offer standard levels of cover including loss, theft, damage, breakdown, unauthorised calls, and mobile phone accessories. However, some network providers do not offer any cover for theft or loss.

Through a pure play provider, in most cases a replacement device is issued with compensation provided for airtime abuse on the stolen device. At loveit coverit, replacements are usually dealt with quickly, and any claims resolved effectively.

Mechanical breakdown Unfortunately, almost all mobile phones will run less effectively over time. When your phone suddenly decides to stop working, it can be a huge inconvenience to your day-to-day life.

Home or contents insurance usually requires you to take out additional personal possessions cover to be insured for mechanical breakdown. It also comes with an excess of up to £500 on some home insurance policies, compared to £25-50 from a pure play provider.

Mobile insurance through your bank will cover you if there is a mechanical fault with your phone. However, there is often alimit on the number of claims permitted for each account. If you own a phone with a tendency to break down at any given moment, you could end up paying more to insure your mobile phone than necessary.

To be covered through a mobile network provider, often you need to have already purchased a phone from them, otherwise you cannot purchase their insurance. A pure play provider offers a more effective insurance package for any phone if it is less than 36 months old.

With a pure play provider such as loveit coverit, repairs are unlimited, so you can claim as many times as necessary within your insurance period.


Accessory cover

Accessories are often a necessary part of owning a mobile phone, and can be a pain to replace if they go missing or become damaged.

Home insurance companies often do not cover your phone for any accessories related to your device, which can be inconvenient if you find yourself spending extra on accessories.

Mobile insurance through a bank usually includes accessories cover but with a maximum value limit.

Through a mobile network provider, you often cannot make accessory-only claims. Any claim must be made along with a claim for the loss, theft, or damage of your mobile phone.

Through a pure play provider, you are sometimes covered for accessory cover as standard, included in the monthly cost to insure your mobile phone, or you can purchase it as an additional cost.


Verdict. Given our household insurance didn’t cover accidental breakage on my iPhone and iPad, I am going to try a specialist mobile insurer. Because they specialise in gadget insurance, you know where you stand when it comes to the costs, cover, claims process and excess when you do claim. My advice – check the “excess” to fix a device and the “number of times you can make a damage claim per device”, because you never know, you might well break the same gadgets again!

Theft, loss or accessory cover: which is the best insurance for my iPhone? 

How can you keep your Apple Mac safe online?

February 5, 2013

From phones and portable tablets, to Windows laptops and Apple Macs, there are so many devices which enable us to easily connect to the internet. Apple is one of the most sought after brands when it comes to gadgets; the company is famed for its sleekly designed devices, fast loading speeds and its user-friendly interface.

For many people, having a broadband package at home is very convenient; you are able to send emails from your iPhone, you can play on your MacBook pro while you sit on the sofa and you can even do your food shopping online without even going to the store. However, the more accounts you have online, the more of your details are potentially at risk of being hacked. This is why we have put together a few internet safety tips to help keep your Mac safe online.

Protect your Mac

Macs are known for being very safe devices which means if something was to go wrong with them it is more likely to be a physical fault rather than something happening to it over the Internet. Always use physical lock-down cables, surge protectors and take proper care of data on portable machines.It is also advisable to keep up-to-date local and remote backups. Mac users can do this using the Time Machine application.

Keep your Mac updated

As new security threats are discovered, software and applications will need to be updated in order to protect the device. It is recommended you keep your Mac updated because this will enhance its security. You can do this by subscribing to Apple’s Software Update and install security fixes.

Make sure you keep up on updates for any popular applications such as cross-platform ones like Microsoft products. If you want to learn a little more about keeping your Mac safe online, then you can download the ebook

Neckband headset by Steelseries

February 17, 2011

Steelseries introduce a new headset for the iPod, iPhone and iPad.

The Award-Winning Siberia Neckband Headset is Now Available in a Refreshed Design for Music, Mobile, and Gaming

SteelSeries, the leading manufacturer of premium audio peripherals and accessories, today is introducing the award-winning and unique design of the SteelSeries Siberia Neckband headset to music lovers and mobile gamers to use with their iPod, iPhone and iPad. This headset version has been designed to fully support iPod, iPhone and iPad devices, which features a single 3.5mm jack for combined audio and voice and an inline remote that powers audio and call controls. The Neckband features thick, cloth covered foam earcups, an optimized soundscape, and a retractable microphone system to be used while answering calls or stored in the left earcup while just listening to music.

“We believe that gamers are some of the most demanding consumers and as competitors they require well designed peripherals that reproduce high-quality sound and clear voice communication, which ultimately can mean the difference between a tournament prize purse and going home empty handed,” said Bruce Hawver, SteelSeries CEO. “We knew that if our audio products can meet and exceed expectations for gamers, that our designs would also be appealing to a broader music and entertainment audience. Now iPod, iPhone and iPad users who want an audio solution for entertainment on their mobile device have a new, high-quality headset option.”

Featured throughout international music videos, the Siberia Neckband is considered one of SteelSeries’ most unique designs. The headset rests behind the head on the user’s neck while providing excellent sound reproduction that has been fine-tuned with the help of professional musicians, DJ’s and audiophiles. It can be adjusted to fit all head sizes through its retracting neckband, while the unidirectional, retractable microphone can be stored in the left earcup and can be easily pulled out when answering calls. Its optimized soundscape emphasizes crisp highs, and deep balanced bass levels for music and movies.

The SteelSeries Siberia Neckband is $79.99 / €79.99 MSRP. Details regarding product availability, retail locations, and new additions to this music and mobile audio line-up will be announced soon. Be sure to check out SteelSeries’ Facebook and Twitter pages to gain access to these details and updates first.

Urbano iPad holster

November 29, 2010

I love my iPad. It’s thin, sleek, portable and very good looking. The problem I have with it is maintaining that “brand new” feel. It was the same the first time I got my iPhone, it looked immaculate for many weeks but then soon enough it got scratched and thrown about and now it very much resembles a normal phone, not a shiny Apple product.

With this in mind I decided that when I got my iPad i would protect it with a nice case in order to keep scratches and damage to the minimum. I was suckered into buying the £30 case that Apple
offered, and whilst it has a nice rubberised feel to it and also doubled as a small stand I still was wary about the amount of protection it would give if I were to drop my expensive little tablet.

Enter the Urbano Holster Case. My first thoughts were very much about the size of it as it does take up quite a fair bit of room. This does however provide quite a great deal of comfort as I know that if I were to drop this case with my iPad secured in it that it would come out alive and well without a dent on it.

I decided to test it out on a day trip to work and back (I usually take my iPad with me anyway so it wasn’t any different to my usual day). Even though it is bulkier than my other case and doesn’t provide any kind of stand it has so much padding and protection that I am more than happy to give them up. The added bonus is that when I take my iPad out of its new home I can actually appreciate the structure and design of it (unlike with the other tacky rubberised case).

A few weeks later and I can safetly say that even without having a stand built in for ease of use I am very much taken with the Urbano Holster. It provides a great deal of protection and has a very luxurious feel. There has obviously been a great deal of effort gone into the design and form of the case.

It has made me think about buying a similar Urabno product for my iPhone 4 as really the level of protection it offers is second to none.

How to get the best from your wireless router

April 12, 2010

Positioning your router for peak reception is crucial. Wi-fi reception fades quickly with increasing distance from the wireless router. This is particularly important if your internal walls are solid brick – you should position your router in the centre of your house for best reception.  That could mean that you have to have long cables running from the modem, this might prove inconvenient to set up, but is worth the hassle for optimum performance. Place your router as high as possible in the room and away from cluttered/busy areas.

Wi-fi bounces off reflective surfaces so try and keep your router away from mirrors, or windows. Be aware that other monitors in your home can interfere with your Wi-fi router. For example, transmitters such as cordless phones and baby monitors can interfere with your signal. Place your router as far away as possible from other electrical items which may be inadequately shielded.

For more information or advice on choosing the best wireless routers for macs please read our guides under Mac Gear on the Home page.

New wireless Bluetooth mouse for Macs

April 8, 2010

This new mouse, Eclipse Touch, works with Windows or Mac computers. Its good looks are matched by function and it was simple to pair with my iMac. It feels responsive and accurate. The track wheel on a traditional mouse has been replaced by a touchpad similar to those on some mobile phones. It allows quick cursor movements with a swipe of your finger once you adjust to its tracking characteristics. For an angular shaped device it feels really comfortable and stylish under the hand – it’s a real challenge to Apple’s own Mighty Mouse.

Buy from for £55

Zen Internet UK’s best broadband

February 24, 2010

12, 000 consumers were asked to rate quality and service of broadband providers by Which in their latest broadband poll published in March 2010 issue. Zen was top of the tree with a customer service score of 89%. It was not the cheapest at £17.99 a month but it does offer a one-month tie-in period. Connection speed, connection reliability and customer service were all five star rated. Visit the Zen Internet website to see their current deals.

O2 were next in line with 77% customer service score offering two good packages (1) Standard (LLU- local loop unbundled areas where ISPs intall their own equipment) at £12.50 with unlimited monthly data downloads plus a discount for customers also taking mobile services and (2) Access (non-LLU) at £22.50 with unlimited monthly data downloads and discounts available. O2 were the only provider to be awarded 5 stars for value for money packages. All other ratings were 4 star for O2 network. Check out these packages and more visit the o2 website.

Utility Warehouse was rated 4th in the table of 28 providers by 76% of customers at a monthly cost of £19.75 which includes £1.76 monthly membership fee. Visit the pay as you go broadband website for review of  Utility Warehouse’s phone, gas and power packages. Note too that their connection speeds received an average 3 star rating.

Plusnet were rated 8th by 63% of customers but they do offer the cheapest package and outstanding value for money at £5.99 a month. Monthly data downloads are capped at 10GB. If you leave them within 12 months you will have to pay setup and equipment costs. However, if you pay for setup and equipment, up to £80, upfront you can leave with 10 days notice at any time.

Generally, customers found that switching providers is straightforward. When changing providers the mantra - the most expensive service will be the best – does not hold true.  For more information regarding the Which Survey visit the which website

For more information re the top broadband packages we recommend you visit the Zen Internet website or the o2 website ; the utility warehouse website ; or the plusnet website

Service providers who were rated poorly were Supernet; Karoo Internet, Pipex; Orange; and AOL (the latter being awarded only one star for all customer services and value for money.

Apple launch the iPad

January 29, 2010

The new kit on the block is neither a phone nor a laptop but a tablet PC … it is sleek, sharp and cutting edge but technophiles around the globe are seriously wondering after months of speculation whether we really do need another portable digital device. Hunter Davies of the Daily Mail believes the iPad is iPointless; alternatively Georgia Warren in the Sunday Times is more circumspect as she compares the iPad to a dream machine whilst admitting that not all Apple’s products have been shooting stars. So it is you the consumer who hold the success or failure of this product in the palm of your hands! The spec is as follows:

The iPad resembles a supersized iPhone with a 10 inch touchscreen keyboard available in two colours. It goes on sale in March (in the USA) for approximately $1,000 or £620. To control it you prod and stroke the touch-sensitive display. To turn the page of an electric book you swipe your fingers across the screen. To zoom out of a picture, you pinch your fingers together, giving multitouch control. Browsing the web is an incredibly tactile experience says Tom Dunmore of the Daily Mail (29.1.10) as he has had the opportunity to give the new iPad a test drive.

Although videos look great on the new screen there is no way to record or watch TV which means users will have to buy films or shows from Apple’s iTunes store. It seems that iPhone’s apps will greatly extend the iPad’s functions. The New York Times has alreadt developed an iPad app that replicates the paper and this may lead the way to other newspapers and magazines doing the same in the UK. Apple may be banking that its iPad will do for television,magazines and newspapers what iTunes did for music.

If you know of anyone who has test driven the new iPad please send us their/your thoughts.

Why buy an Apple iPhone 3GS?

January 23, 2010

The latest, Apple iPhone 3GS, is the fastest and most powerful yet. It is the hottest mobile phone on the market at launching a variety of impressive and useful applications. The iPhone is much more than a cellphone. It allows, internet tethering, so that you can use it to get a 3G, connection on your PC or Mac. Web pages and attachments can be viewed quickly while you are on the move and the 3D graphics will offer you an amazing gaming experience. However, you are constricted by the ability to only play games that involve the touchscreen or the accelerometer to detect movement.

The iPhone 3GS is considerably faster and more responsive than the previous iPhone 3G. You can record, video, edit and share your videos by email to your MobileMe Gallery, publish them on, YouTube, or sync them to your Mac. You can multitask, you can be downloading email and files while web-surfing or composing text messages.

The 3-megapixel camera takes excellent photos as it has integrated auto focus and just by touching the screen you can manipulate your focus of choice. Voice control recognises names in your address book and music on your iPod. Voice control can allow in-car dialling and usable voice control this can all enhance the user’s experience. It also has a digital compass application for when you are on the road. You need this equipment because the Apple iPhone is a phone, iPod and Internet device in one attractively designed package – its mail application is worthy of a desktop computer. The iPhone 3GS is available from Orange, Vodafone, O2 and Tesco Mobile – visit their sites for the latest deals Orange website, Vodafone website, tesco website and the o2 website.   At present O2′s offers are cheaper than Orange saving you £15 approx. on similar pay-as-you-go deals for handsets around £449 for 3GS 16MB and £549 for 3GS 32GB.  Alternatively try the Amazon website for a competitive deal.

So why should you buy an Apple Iphone?  Well, whether you are a current Mac fan, or a PC veteran, this Apple smartphone changes the way you can work with colleagues, socialise with your friends, purchase goods and interact with both organisations and objects in the environment. It could change the dynamics of how you now live in that it enables you to carry out business activities at anytime and anywhere. !f you are smart you will adapt to this new technology. To feel good about yourself get an Apple iPhone.

For more information on iPhones and which contracts to get, check out the deals on this website – iphone pay as you go.

Money saving apps:

Once you have aquired your iPhone (with or without a network contract) you can get free and paid for applications that are great for saving money.

1. Redlaser (£1.19) lets you scan barcodes and search online for lower prices using Google product search and Amazon online.

2. PetrolPrice Pro (£4.99) will give you cheaper fuel options within a 5,10,15 or 20 mile radius of where you are.

3. Meter Readings (59p)  tracks energy and water use in your home by day, week or month (as line graphs); knowing/altering your consumption habits can help you save money.

4. Tipulator (£1.19) Useful for restaurant tipping; enter bill amount, select percentage and number of people tip is being split by and the numbers are crunched for you.

5. App Sniper (59p) track the latest apps on sale and will notify you when your target apps have met your set price

For more ideas on money saving apps visit app store

Please let us know which apps you feel are good money saving choices

Back up your data – online

January 18, 2010

You might have considered backing up important data on hard disc. That’s OK but not the safest option. In the event of a fire or burglary your vital data could be lost forever. Why not spread your risk with, online storage,? It’s one of the web’s fastest-growing businesses. So are you interested to learn which online storage websites are the best? Please read on.

1.  is one of the largest online storage business. It currently offers, unlimited data storage, at £3 a month. It is PC and, Mac compatible, and your computer is automatically backed up every week. Mozy will send the data back to you over broadband or on a DVD.

2.  generous free site offers up to 50GB of storage with its basic account. It will not automatically back up your files but it is worth taking a look at their website offers.

3.  store your pictures safely. A free Flickr account means you can upload and store 100MB of photos a month or for £15 per annum unlimited storage is available.

4. is PC and Mac friendly and for £34 a year they will supply you with a storage programme enabling you to update unlimited files to Carbonite’s servers. Fantastic if you were to ever lose your computer as the software can be reinstalled on your new machine -password permitting.

5. with a Google Mail account you have the option of free online storage. You can add attachment to draft emails then save them without sending – you get a generous 7GB of storage space. 

6. allows you to upload an attachment, send a message to the recipient, allowing them to download it. Basic free service up to 1GB-a-month. For storage in excess of this £6 per month buys you storage up to 40GB of data.

7.  stores your data which can then be accessed on any computer and most mobiles too. Also you have the option to share your stored data with friends by sending them links. Up to 1GB is free or £5 a month for 5GB.

8. £6 a month for 60GB of storage. Works on PCs, Macs and most smartphones – really useful for those of you who take lots of photos.

9. Free to Hotmail and Windows Live users only. Store up to 25GB but a rather slow and complicated process.

10. good for sharing photos, videos and graphics. Free storage to 5GB.

Original source The Sunday Times 17.1.10 All the prices mentioned above are currently advertised -  to update prices or for further information please visit the specific sites. mentioned.

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