Telstra vs Optus vs Vodafone iPhone Insurance: Is there a cheaper option? 📱🔍
If you’ve ever dropped your iPhone and watched the screen shatter, you know how expensive repairs can be. That’s why many Australians consider iPhone insurance through mobile carriers like Telstra, Optus, and Vodafone. But is Telco phone insurance really good value—especially if you crack your screen more than once?
In this article, we compare the cost of screen repairs across the big three Telcos and reveal whether EXG Screen Insurance might offer a better deal for Australian and New Zealand iPhone users.
📊 Compare Telstra, Optus, and Vodafone iPhone Insurance for Screen Repairs
All three providers offer mobile phone insurance in Australia that includes accidental damage cover, including screen repairs. But the costs add up when you include both monthly premiums and excess fees per claim.
Total Cost for 2 iPhone Screen Repairs Over 24 Months
| Provider | Monthly Premium | 24-Month Cost | Excess Fee per Repair | Total with 2 Repairs |
|---|---|---|---|---|
| Telstra | $14/month | $336 | $149 x 2 | $634 |
| Optus | $14/month | $336 | $149 x 2 | $634 |
| Vodafone | $11/month | $264 | $149 x 2 | $562 |
✅ Vodafone iPhone insurance is the most affordable Telco option for two screen repairs, but you’ll still spend over $500 across two years.
🔍 Is Telco iPhone Insurance Worth It?
Telstra, Optus, and Vodafone phone insurance does offer peace of mind if you're worried about theft, water damage, or losing your device entirely. But for users mainly concerned about iPhone screen repair, the high excess fees and long-term cost might outweigh the benefits—especially if you only need screen protection.
💡 Best Alternative: EXG Screen Insurance from Happytel
If you’re mainly worried about cracked iPhone screens, EXG Screen Insurance offers a low-cost, high-value alternative:
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Only $85–$95 once-off for 24 months
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2 free iPhone screen replacements included
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$0 excess fees per claim
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Unlimited screen protector replacements
| Plan | Total 24-Month Cost | 2 Screen Repairs Included | Excess Fees |
|---|---|---|---|
| EXG Insurance | $85–$95 (once-off) | ✅ Yes | ❌ None |
EXG is ideal for users who want to protect against cracked iPhone screens without paying extra every time something goes wrong.
✅ Final Verdict: Telco iPhone Insurance vs EXG
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If you want comprehensive mobile phone insurance (covering theft and total loss), Telstra, Optus, and Vodafone can be worth it—though Vodafone is the cheapest for screen repairs.
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If your biggest concern is accidental screen damage, EXG Screen Insurance gives you more value, with no excess fees and two full screen replacements.
🔧 To get EXG, visit your nearest Happytel store or buy online —Australia’s go-to for affordable iPhone screen repair insurance.
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