Mobile Phone Insurance – Can We Live Without It?
When you purchase your new mobile phone or extend an existing contacts, many service provides will offer the option to purchase an insurance policy, typically costing around five pounds or there abouts.
When looking at the fact that the latest mobile phones can cost hundreds if not a thousand pounds to replace and are very easily stolen, damaged or lost its vital that you get protected if the worse happens.
There are a number of steps that we can take to reduce the chances of it be stolen, simple ones like never leave it on the table, leave it in your car or any where it could attract attention to others.
Many of the high street service providers like Orange, Vodafone etc will now provide free mobile phones or phones at a discount rate. The phone you may receive may be free but may cost several hundred pounds if not more to replace if stolen,damaged or lost, there insurance will take care of that.
If your phone is lost or stolen and you have insurance for your phone then it’s important to notify the police, and contact your service provider too.
By searching online you can find insurance companies that offer cheap insurance for mobile phones that will cover the basics of loss,water damage and theft. For further coverage beyond the basic package which will cover international coverage,fraud calls, accidental damage and extended warranties.
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.
In general, your mobile phone will not be covered on your home contents insurance and with a high cost of replacement, having mobile phone insurance can cover and will save you hundreds of pounds.
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