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See your quote instantly — just pick which version of the iPhone 16 you want to insure.
(First Direct Debit in 7-10 days)
Pick any 3 phones — we’ll insure the cheapest one for FREE.
It’s as easy as 1, 2, FREE. How it worksThis image features a green tick mark, universally recognized as a symbol for inclusion, approval, or confirmation. It signals that a feature or benefit is included, covered, or positively acknowledged — useful in insurance feature lists, product inclusions, or verification contexts.
This image features a red cross mark, often used to represent something incorrect, denied, or not included. It’s a universal symbol for highlighting exclusions, failed actions, or ineligibility—ideal for use in insurance documents, feature comparisons, or policy clarifications.
It is a requirement that you pay your excess fee before your phone can be repaired or replaced and your excess fee will be dependent on the value of your handset.
A compulsory excess fee applies to each claim, which we have set out in the table below:
| Monthly Premium | Policy Excess |
| £4 | £50 |
| £5 | £50 |
| £6 | £50 |
| £7 | £75 |
| £8 | £75 |
| £9 | £100 |
| £10 | £100 |
| £11 | £100 |
| £12 | £100 |
| £14 | £125 |
| £15 | £125 |
| £17 | £150 |
| £18 | £175 |
Please note that all claims for loss incur an additional excess fee of £50
No limit on repairs — cracked screens, drops, and other mishaps sorted.
Protection starts the moment you complete your order.
We treat brand new and refurbished iPhones the same.
UK-based support whenever you need it.
The iPhone 16 is fast, smart and not exactly cheap. Whether you have the 16e, the standard 16 or one of the Pro models, you are carrying anything from £599 to £1,299 in your pocket. A cracked screen or a quick-handed thief can turn into hundreds of pounds in repair bills in seconds.
To put it into context, an iPhone 16 screen repair is £289. Back glass repair is £145. A full front and back fix is £369. Even a rear camera issue can cost £169. Cheap iPhone 16 insurance suddenly makes a lot more sense when real prices are on the table.
That is where BiMPY® steps in. You can protect your iPhone 16 from £4 a month on a rolling 30 day policy. No contracts. No fees. No long-term tie-in. Just simple cover that works when life goes wrong.
A better deal than most insurers will give you
Many providers make their cheapest plans look tempting, then quietly remove essentials like theft cover. With BiMPY, theft is included in both Essential and Full Cover. No small print surprises. No confusing exclusions.
Essential Cover protects your iPhone 16 against theft, accidental damage, liquid damage, mechanical faults and unauthorised use. Full Cover adds loss for only £1 extra each month.
It is straightforward, great value and built for real life.
Great value deals for individuals and families
If you are looking for cheap iPhone 16 insurance without cutting corners, our 3for2 deal makes it even better. Pick any three phones and we will insure the cheapest one for free. It is perfect for couples, families and friends upgrading together. From the third phone onwards, the savings become significant.
Business iPhone 16 insurance that keeps costs under control
If your team uses iPhone 16 devices, BiMPY makes business phone insurance simple. Every policy runs on a 30 day rolling basis, no matter how many phones you insure. There are no lengthy contracts and no penalties for adding or removing devices as your business changes.
We also help companies avoid the expensive insurance that gets added automatically through leasing and finance providers such as Acquis or BNP Paribas. If you choose to insure through BiMPY, we give you all the documentation they require so that you stay compliant while saving money.
For businesses with multiple iPhones, the 3for2 deal creates even bigger savings across your fleet.
Insurance that fits the way you actually use your iPhone 16
When you insure with BiMPY, cover begins the moment you complete your order. Refurbished iPhone 16 models are treated the same as brand new. Claims are handled without the usual back and forth that slows everything down. You can cancel any time and switch phones whenever you upgrade.
Protecting your iPhone 16 does not need to be complicated. It just needs to work. And with BiMPY, it does.
Most insurers lock you into a year. We don’t. Our cover runs month-to-month, so you can:
| Model | From per month |
|---|---|
| iPhone 16e | £4 |
| iPhone 16 | £4 |
| iPhone 16 Pro | £7 |
| iPhone 16 Pro Max | £9 |
If it’s listed, we can cover it — instantly.
From busy city streets to cafés and festivals, iPhones are high on thieves’ wish lists.
BiMPY cover means:
Perfect for families, couples, or friends upgrading together:
That’s a 33% saving every month.
Pick your iPhone, choose your cover, and you’re sorted.
Let’s be honest — insurance isn’t exciting, but when you need it, you’ll be glad it’s there.
Ready to start? Enter your phone at the top of the page ↑
| iPhone 16 | iPhone 16e 128GB, iPhone 16e 256GB, iPhone 16e 512GB, iPhone 16 128GB, iPhone 16 256GB, iPhone 16 512GB, iPhone 16 Plus 128GB, iPhone 16 Plus 256GB, iPhone 16 Plus 512GB, iPhone 16 Pro 128GB, iPhone 16 Pro 256GB, iPhone 16 Pro 512GB, iPhone 16 Pro Max 256GB, iPhone 16 Pro Max 512GB |
|---|
The first payment will be taken by Direct Debit 7-10 days after the application is processed.
Your policy documents will be emailed to you within 24 hours of your successful application.
Yes. You must pay your excess fee before your phone can be repaired or replaced and your excess fee will be dependent on the value of your handset.
A compulsory excess fee applies to each claim, which we have set out in the table below:
| Monthly Premium | Policy Excess |
| £4 | £50 |
| £5 | £50 |
| £6 | £50 |
| £7 | £75 |
| £8 | £75 |
| £9 | £100 |
| £10 | £100 |
| £11 | £100 |
| £12 | £100 |
| £14 | £125 |
| £15 | £125 |
| £17 | £150 |
| £18 | £175 |
Please note that all claims for loss incur an additional excess fee of £50
You can make a claim online 24 hours a day via our online form, which you can access from your ACCOUNT
Claims are processed and handled by Warranty & Creditor Services, and you can email the claims support team should you require assistance at claims@wcsinsurance.co.uk
Loss cover is available with our Full Cover policy. We provide information on what we cover in our Insurance Product Information Documents.
Yes, we insure reconditioned and refurbished phones less than 36 months old and purchased from a UK VAT-registered company, which can be your mobile phone network provider or a retailer.