What if you have insurance on your iPhone and you lose it?
Asked by: Scotty Grimes | Last update: August 4, 2025Score: 4.4/5 (3 votes)
What happens if I lost my iPhone and I have insurance?
If your phone is replaced by insurance your insurance company ``owns'' the lost phone. If it is recovered it must be sent to the insurer. To do anything else with it is insurance fraud, which is a crime.
Does iPhone insurance cover loss?
Both AppleCare+ options provide repair or replacement hardware service for your iPhone. Depending on the plan you choose, you'll get unlimited incidents of accidental damage protection and up to two incidents of theft or loss coverage every 12 months.
Does phone insurance cover if you lose it?
Cell phone insurance plans cover repairs not covered by the manufacturer's warranty as well as theft. It's like any other insurance plan where you pay a premium for your coverage, and the insurer will pay out for repairs or replacement in the event of a covered loss.
How much does it cost to replace a lost iPhone with insurance?
Your replacement costs are going to total $418 (a $149 deductible plus the $269 you paid for the AppleCare+ plan).
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What if my phone is insured and I lost it?
If you're insured
Contact your insurance provider to find out what cover you have and how they can get you a replacement. If your phone was stolen you'll need to give them the crime reference number.
Is iPhone replacement free?
Apple replaces phones with defects for free for one year after buying them. You're automatically enrolled in Apple's 1-year AppleCare warranty when you buy an iPhone.
What happens if I lose my phone and its insured?
Cell phone insurance covers you financially for the possible loss or damage of your cell phone. In other words, if you're worried someone will steal or drop your phone, you need this kind of insurance. The insurance provider agrees to replace your mobile phone if certain insured events occur.
What to do if you lose your iPhone?
Use Find Devices on iCloud.com
You can find your device, mark it as lost, or erase it remotely at iCloud.com/find.
Can I get my phone replaced if I have insurance?
Yes. If your phone needs to be repaired or replaced because of a covered event, you pay your plan's deductible, and the insurance company covers the rest.
What is the deductible for lost iPhone?
A service fee or deductible of $149 will apply per approved theft or loss incident/claim. For specific details about the Plan's deductibles, refer to your state-specific Insurance Coverage Documents.
How much is iPhone insurance claim?
AppleCare+ for iPhone extends your coverage to 2 years from your AppleCare+ purchase date1 and adds unlimited incidents of accidental damage protection. Each incident is subject to a service fee of ₹2500 for screen or back glass damage, or ₹8900 for other accidental damage.
Does Asurion fix iPhones?
At uBreakiFix® by Asurion stores, our iPhone repair experts can get your device back up and running as quickly as possible—without the hassle—whether your phone has water damage, a hardware issue, a broken power button, a battery problem, or simply needs a general checkup.
Can I claim insurance for lost phone?
Mobile Insurance Claim Process:
In order to file claim, you must provide the insurance provider with the purchase invoice / bill of your smartphone, along with its serial number. Also, you must file an FIR (first instance report) for the missing phone within the first 24 hours following its theft or loss.
Can anyone use my iPhone if I lost it?
So long as the stolen iPhone is still listed as a device in your Find My iPhone app, it cannot be unlocked and used until your Apple ID and password have been entered or until the iPhone has been removed from your Find My iPhone account.
What to do if you lost your phone and don't have insurance?
If You Don't Have Insurance
You still need to: Suspend your phone service and report your phone as lost or stolen to your mobile phone service provider. Remotely wipe your phone. Change all of your account passwords to secure your account information.
Can I replace my iPhone if I lost it?
Is your iPhone lost or stolen? If it's covered by AppleCare+ with Theft and Loss, you can sign in with your Apple Account and file a claim for an iPhone replacement. Use the Find My app or go to iCloud.com/find to mark your iPhone as lost.
Is it legal to keep a lost iPhone?
Common law allows you to keep lost property until the owner comes back to claim it.
Can I Find My iPhone if my location is off?
Whether you have an iOS or Android phone, there are ways it can be tracked even if location services are turned off. You may have used some of these yourself to find a lost or stolen phone. For example, the Find My iPhone app uses Bluetooth to help you find an iPhone even if it's offline.
What happens if you lose your phone and have insurance?
These insurance policies generally automatically cover your phone (and other stuff) for things like theft, vandalism, fire, and other damages ('perils,' in insurance speak). You generally won't be covered for accidental damage or just because you misplaced and lost your phone, though.
What happens if my phone is insured and I lost it?
The key thing is to contact your insurer as soon as possible. If your phone's been lost or stolen, you should contact your local police station and get a crime reference number. You'll need to provide your insurer with your policy number, as well as details about your phone and what happened.
Can someone use my lost phone?
Identity thieves and scammers can use your stolen phone (and the data and accounts contained on it) to steal your money, take over your accounts, and scam your contacts.
Is it cheaper to fix iPhone or get new one?
A good rule to follow: If repairing your phone costs half as much as buying a new one—or more—consider getting a new phone, especially if yours is more than a few years old. Remember, you can often trade in your old phone and apply that credit towards a new one, too.
Will Apple give me a replacement phone?
When you request Express Replacement Service, we'll send you a replacement device. Return the original device within 10 business days of Apple shipping your replacement product.
What is covered in the iPhone warranty?
Apple warrants the Apple-branded iPhone, iPad, iPod, Apple TV or HomePod hardware product and the Apple-branded accessories contained in the original packaging (“Apple Product”) against defects in materials and workmanship when used normally in accordance with Apple's published guidelines for a period of ONE (1) YEAR ...