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Tips for Buying Mobile Phone Insurance

Have you ever considered buying mobile phone insurance?

Your first thought is it’s not worth it, why insure my phone when it only worth less than 1000 pounds, but you be surprised with how many mobile phones ae lost, damaged or even stolen.

Here’s some figures, over 1.3 million phones have been stolen in the UK, over 1.6 million have been lost and many more have been damaged.

So you can see there’s way over one million phones that end up dropped in the toilet, gets water spilled on them or maybe end up washed in your trouser pocket, that’s why its worth spending money on mobile phone insurance.

If your a consumer that goes for high end mobile phones then you are the best person to invest in insurance for mobile phones, but if you own a relative cheap mobile phone then you be better off just buying a new one rather than getting insurance.

If your a parents then you may consider insurance for your teenagers mobile phone, as this is the age group who phones get stolen the most and they always carry the latest expensive mobile phones.

Buying mobile phone insurance can be difficult at times as you don’t want pay over the odds to cover your phone, but as there is an increased thefts f mobile phones you will want to get an affordable, high coverage mobile phone insurance.

When you buy your insurance policy there is a few things you will want to check first:

  • What will the policy cover?
  • Under what circumstances will your phone be replaced?
  • And how to get your replacement phone?

Some insurers will reimburse you money for your phone, but will that be the market rate? their rate? or is it the rate for a new phone? or worse the rate for a used phone. These are all important questions to ask your insurers.

Will you have to pay an excess when you claim? Most networks will charge you 15 to 25 pounds, but independent insurers might charge more. Check if they will cover fraudulent calls, some insurers will cover if after stealing your phone they make calls.

For those with expensive mobile phones, insurance will become an excellent option. As you wont need worry if you lose or have your mobile phone stolen and with the continuing high numbers of lost or stolen mobile phones that won’t be a bad idea.

About the Author

Insurance-4-Mobile Phones provides information and tips on getting the best Mobile Phone Insurance around and offers other information on insurance including, Buying Mobile Phone Insurance

Will home insurance cover a wet cell phone?

I have a cell phone that I just dropped into the pool. My cell phone insurance won’t cover it, will home insurance cover it?

“oops I dropped it into the pool” is not a named peril on the standard homeowners policy. So no.

Likely, the phone isn’t worth enough anyway, to be more than the deductible on your coverages.


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