Well here we are. September rolls around again, and with it comes a few unavoidable truths...

  1. That light sweater you left the house in today isn’t going to cut it.
  2. You’re outraged that you saw the first bit of Christmas themed merchandise in a supermarket the other day.
  3. Tim Cook and the gang over in Cupertino, California have got a bunch of new gadgets they want to show you.

That’s right. You only just got your head around the fact that the new ones don’t have a home button, but Apple have officially presented us with the iPhone XR, XS and XS Max.

So what's new?

The biggest updates to Apple’s latest high spec models, the XS and XS Max are mostly on the inside. Updated 12 megapixel cameras, a brand new A12 Bionic Processor, dual SIM capabilities and available with 64GB / 256GB and a colossal 516GB of storage. What will they set you back? Well the XS starts at £999 while the cheapest XS Max will cost an eye-watering £1,099!

There is a more ‘affordable’ option in the iPhone XR, starting at £749 and available with 64GB / 128GB or 256GB of storage. They also come in a range of the funky colours (so you can finally express yourself properly). While it only has a single rear camera and offers a lower resolution screen than the XS, it actually has a bigger screen size and offers the longest battery life of the three options. Hold your horses though, because this one isn’t available to pre-order until Oct 19th, arriving in store on the 26th.

If you’re the kind of person that likes to get into the real nuts and bolts, you can head over to Apple for full specs of the iPhone XR and iPhone XS.

Woah

Yeah. That’s some seriously expensive kit. Keeping in mind that we’re using our phones on average 2.5 hours per day and many of us have them on our person 24/7, theres a very real risk of damage, loss or theft.

No problem!” you say, “I’ll be covered by AppleCare”.

But what exactly are you covered for? How much extra might you have to pay if something does happen? How long does that coverage last?

If you’re thinking about shelling out for one of Apple’s latest offerings and are not sure about the above questions, then you should probably read on to understand the options available to you...

AppleCare (comes with the phone when you buy it)

This would be considered as the normal warranty that comes with the phone when you buy it. Whether you buy your new iPhone from Apple directly or an affiliated retailer, it is automatically covered by a 1-year limited warranty. This covers…

  • Defects to the phone itself
  • 90 days complimentary phone support

AppleCare+ (additional cost)

  • Extends warranty up to 2 years
  • Does not cover theft or loss
  • Covers you for no more than two incidents of accidental damage
  • You would need to pay an additional £25 for a broken screen replacement and £79 for any other damage
  • Does not cover defects to the phone itself

AppleCare+ costs £199 in addition to the price of your phone and must be purchased at the same time or within 60 days of purchasing your phone. Full terms & conditions are here.

Dedicated Gadget Insurance

Coverage & prices will of course vary depending upon your policy provider. However, most do cover you against loss and theft, as well as the damage coverage provided by AppleCare+. Many policies will not only cover the cost of the phone itself, but also unauthorised call costs and unauthorised Apple Pay spending. It’s important to understand what your policy covers before you buy, so make sure you read the small print.

So what are the important things I should make sure my policy covers?

  • Accidental damage
  • Theft
  • Liquid damage
  • Unauthorised use
  • Accidental loss
  • Accessories (attached to you phone)

Now we’d be foolish at this point not to mention that Brolly of course offers extremely competitive policies to insure your iPhone XS and iPhone XS Max. These start from £9.99 a month (depending upon the model you want to insure.)

By getting a quick quote from Brolly, you can easily compare the price and coverage against AppleCare+ to see what works best for you.

So which do I choose?

Ultimately, only you know the level of risk you think your phone will be exposed to. However, given the price of the new models, it would certainly be wise to make sure you have some level of cover to avoid more expensive costs down the line.