Imagine the excitement of opening that pristine white box to see your new iPhone inside. Not only does it have all the capability that you are used to from Apple, but at last it is also waterproof. There is nothing you can’t do with it now. Well, hold on a minute. Is it really waterproof?
This article from CNET concludes that although the waterproof claim seems to stand up, Apple are actually specifying that it is only water-resistant. Not only that but Apple themselves don’t even include liquid damage on their warranty.
So, the decision is yours; should you protect your phone and get a more expensive gadget insurance policy which covers water damage or not?
Is There Any Point in Insuring against water damage?
Gadget insurance policies come in all shapes and sizes. Some include theft, loss and accidental damage, whilst others only include theft and loss. The ones which do not include accidental damage are a lot cheaper than those that do. Accidental damage usually includes cracked screens and water damage. As you can easily replace your screen for a reasonable price, the only real thing you should be worried about is water damage.
After spending so much money on your phone, is it worth paying out even more to insure it? All the signs seem to show that the iPhones stand up well to waterproof tests, but in normal day-to-day life how useful is that actually going to be?
How many times have you accidentally gone swimming with your phone in your pocket? Not many, I would imagine. However, liquid-damaged iPhones have usually been dropped down the toilet or had drinks spilled over them; these occurrences are far more common. But as the iPhone is supposed to be water-resistant, in any of these cases there shouldn’t be a problem with just drying your phone off and using it again.
If you are paying for insurance, monthly payments soon mount up. If you were to save that money instead, it wouldn’t be long before you could afford a new phone anyway.
And even if you did claim, some insurance companies can be notorious for trying to find clauses and reasons not to pay out. Who knows whether you would even get a new phone if yours was damaged.
If we take these Which tests as an example, it looks like your phone could survive most spills. It might be worth risking it.
Why Be Reckless?
On the other hand, isn’t it better to be safe rather than sorry? On the basis that even Apple won’t include liquid damage in their basic warranty, that should give you some cause to worry. We are only human after all. Who knows what is just around the corner. You may be careful not to get your phone more than splashed with water, but then may charge it up while still wet. You need insurance to protect yourself against any possible outcome, accident or not.
Apple say that the water-resistance has only been rated for freshwater, not saltwater or chlorinated. And they also note that, “Splash, water, and dust resistance are not permanent conditions and resistance might decrease as a result of normal wear.” They may be trying to cover themselves, and rightly so, but it still means that your phone could be ruined at any time. Particularly if it does end up submerged in anything that isn’t fresh water. Insurance just seems the logical choice.
In case that route appeals to you, Business Insider have made an interesting case for taking out Apple+ insurance as that does actually cover you for liquid-damage.
Weighing Up the Pros and Cons
So what is the smart decision when it comes to buying liquid-damage insurance for your waterproof iPhone?
Both arguments for and against have some very valid points so it all comes down to how important your phone is to you. If you have scrimped and saved to purchase a new iPhone and it never leaves your side, you might deem it important enough to protect with insurance. If, however, you think you look after your gadgets carefully and it is highly unlikely that anything would ever happen to damage your phone, you might take the view that it is not worth it.
It is up to you, although I would recommend if you did decide not to take out insurance, that maybe you put aside a little money each moth anyway. You never know, accidents can happen.