No products in the basket.
AppleCare+ vs BiMPY Phone Insurance
AppleCare+ is Apple’s own protection plan that you buy for two years and either pay upfront or in monthly instalments. It is well known for covering accidental damage, but it does not include theft or loss unless you upgrade to the more expensive Theft and Loss version which starts at £9.49 per month for the iPhone 16 insurance. When you compare AppleCare+ with BiMPY insurance the difference becomes very clear.
BiMPY® is different. Our phone insurance works on a simple 30 day rolling basis and includes theft as standard from just £5 per month for an iPhone 16. You can cancel anytime, switch phones, or adjust your cover without being tied into a long term commitment. Full Cover adds loss protection for only £1 more.
For anyone looking at real world protection rather than just the Apple name, the gap is significant. Theft is one of the most common claims in the UK and AppleCare+ does not include it at the lower price tier. With BiMPY you are covered from day one even on the Essential plan.
Here is a clear side by side comparison to help you see how both options stack up and which one gives you the best value for the way you use your phone.
Compare side-by-side
BiMPY policies start from £4 a month. Prices shown here are based on iPhone 16 (from £5).
| BiMPY Essential plan | BiMPY Full plan | AppleCare+ | AppleCare+ with Theft & Loss | |
|---|---|---|---|---|
| Monthly cost | £5 | £6 | £6.49 | £9.49 |
| Policy type | 30-day rolling | 30-day rolling | 2 years (monthly or upfront) | 2 years (monthly or upfront) |
| Accidental damage | ✓ Unlimited claims | ✓ Unlimited claims | ✓ Unlimited claims | ✓ Unlimited claims |
| Theft cover | ✓ Up to 2 per year | ✓ Up to 2 per year | ✗ Not included | ✓ Included |
| Loss cover | ✗ Not included | ✓ Up to 2 per year | ✗ Not included | ✓ Included |
Where they differ
Price and what is included
BiMPY® Essential starts at £5 per month for an iPhone 16 and includes theft as standard.
AppleCare+ starts at £6.49 per month but only covers accidental damage. Theft and loss are not included unless you upgrade to the more expensive Theft and Loss plan at £9.49 per month.
Flexibility
BiMPY works on a simple 30 day rolling basis. You can start or stop your cover whenever you choose and you are not tied to a long contract.
AppleCare+ is a two year protection plan that you buy upfront or pay monthly. Once you are in, you are locked in for the duration of the plan.
Theft and loss
BiMPY Essential covers theft from day one. BiMPY Full Cover adds loss protection for only £1 more.
AppleCare+ does not cover theft or loss unless you pay for the higher priced Theft and Loss version.
Service fees and claim costs
BiMPY uses one clear excess for damage, theft and loss claims which keeps things simple.
AppleCare+ charges different service fees depending on the type of claim and the device which can make repairs and replacements more expensive over time.
Repairs and convenience
BiMPY partners with trusted UK repair centres including Apple which keeps repair times quick and often local to you.
AppleCare+ repairs are handled directly by Apple which is ideal for some customers but may mean travelling to an Apple Store or waiting for courier collection.
Real world value
BiMPY gives you unlimited accidental damage claims and up to two theft or loss claims per year with clear pricing and no hidden fees.
AppleCare+ mirrors the same limits but at a higher monthly cost if you need full protection.
Which one makes sense for you?
Pick AppleCare+ if you only want Apple to repair your phone and don’t mind paying more for their service fees.
Pick BiMPY if you want theft included at a lower monthly price, rolling cover you can cancel anytime, or need loss protection without the higher AppleCare+ cost.
Note: Information and pricing correct October 2025. All brand names, products and services are trademarks of their respective owners. BiMPY is an independent provider and is not affiliated with or endorsed by any manufacturer or network mentioned. Figures shown for comparison purposes only.