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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
There's no limit on accidental damage claims.
Order complete, protection starts. Simple.
We cover new and refurbished devices up to 36 months old.
Friendly customer service & claims teams based in the UK.
Just bought the iPhone 16? You’ve made a smart move — now make a smarter one. Protect it with flexible phone insurance from BiMPY starting from just £4 per month on a 30-day rolling policy. No contracts. No cancellation fees. Just peace of mind for your most valuable tech.
Apple’s iPhone 16 line-up isn’t just powerful — it’s pricey.
Whether you’ve gone for the standard iPhone 16, the Plus, or splashed out on the Pro Max, you’re carrying around £799–£1,299 in your pocket. One drop, one splash, one moment of distraction, and that’s hundreds of pounds down the drain.
A cracked screen? That’ll cost you £289 to repair. A stolen device? A replacement 128GB model starts at £799.
With BiMPY, you don’t have to take that risk. Our Essential Cover starts at just £4/month, and if you want full protection — including loss cover — Full Cover is only £5/month.
For less than the price of a coffee each week, your iPhone 16 can be fully protected.
Your iPhone 16 deserves protection that’s built for real life. With BiMPY, you’re covered against:
Most insurers tie you into 12–24 month policies with cancellation charges buried in the small print.
Not BiMPY.
We offer rolling 30-day cover that puts you in control:
Pause or switch plans when needed
It’s simple, modern phone insurance — the way it should be.
Upgrading as a family or group? With our BiMPY 3for2 offer, you can cover 3 iPhone 16s and only pay for 2:
3 x iPhone 16 on Essential Cover = £8/month (save £4)
3 x iPhone 16 on Full Cover = £10/month (save £5)
It’s ideal for households, couples or mates who all want protection without paying over the odds.
Theft is on the rise, and iPhones are top targets.
From London and Birmingham to festivals and cafés, mobile phone theft is becoming more common. If your £799 iPhone 16 128GB disappears, you’re left with nothing — unless you’re insured.
BiMPY protects you against theft with:
The iPhone 16 is your camera, calendar, wallet, and lifeline. Losing your phone is stressful enough. BiMPY takes care of the rest.
BiMPY gives you peace of mind with:
Why take a risk on something you rely on every day?
Getting covered is easy and takes less than a minute. No paperwork. No calls. Just pick your phone, select your plan, and start your cover instantly.
| 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 |
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Protect your phone with optional loss cover.
If your mobile phone is stolen we will replace it, like for like.
Phone damaged by liquid will be replaced if we can't repair it.
If your mobile phone is damaged accidentally we will repair your phone and if it can’t be repaired we will replace it, like for like.
Our UK team handles claims smoothly. Submit online 24/7 for cracked screens, theft, or more.
We cover repairs after your warranty. If unrepairable, we will replace your phone.
In the event your phone is stolen or lost, your misuse of equipment cover is up to £1000.
We provide up to 90 days cover abroad per annum.
Immediate family members using your mobile phone will be covered.
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.
