Tips For Buying Mobile Phone Insurance

Tips For Buying Mobile Phone Insurance



Tips For Buying Mobile Phone Insurance
Do you​ really need mobile phone insurance? the​ answer depends,​ of​ course,​ on​ a​ number of​ different factors including which mobile you​ have and how likely you​ are to​ lose or​ damage your mobile - not to​ mention how many mobiles you're talking about.
If you​ favor top of​ the​ line trendy models,​ or​ have children who do,​ mobile phone insurance could be a​ worthwhile investment .​
That doesn't mean,​ however,​ that you​ need to​ pay over the​ odds for it .​
There are many reasonably priced options for mobile phone insurance cover.
Why insure my mobile phone?
I'm always careful,​ you​ might be thinking .​
I​ won't leave it​ behind anywhere .​
According to​ last year's crime statistics,​ there are over 10,​000 mobile phones stolen in​ the​ UK each month .​
Another 3,​500 or​ so get left behind on​ buses and trains or​ in​ cafes,​ and an​ astounding 1,​200 are dropped down toilets or​ knocked into sinks .​
In all,​ about 15,​000 mobile phones are reported lost,​ stolen or​ damaged each and every month.
And the​ cost can put quite a​ dent in​ your budget .​
While you​ may have got your mobile free with your phone plan,​ the​ phone companies won't replace your mobile for free or​ for £29.95 .​
If you​ want to​ continue using your contract minutes - and you​ will be responsible for paying out the​ remainder of​ your contract - you'll need to​ fork out the​ full price for a​ replacement phone .​
In addition,​ you​ could be liable for any call charges if​ your mobile was used before it's loss is​ discovered .​
The cost of​ losing your mobile phone can easily top £500 .​
Have you​ got a​ spare £500 sitting around?
Do I​ really need mobile phone insurance?
Perhaps not .​
Mobile phone insurance can cost you​ anywhere from £25 to​ £150 annually,​ depending on​ the​ insurance carrier that you​ choose .​
If you​ can reasonably replace your mobile phone for less than that,​ then mobile phone insurance is​ probably not a​ worthwhile expense for you​ .​
If you​ hae a​ replacement phone - perhaps left since your last upgrade - and your mobile provider still supports it,​ you​ may be fine without mobile insurance .​
In most cases,​ though,​ you'll find that it​ can be worth the​ expense - especially if​ you​ shop around for competitively priced mobile phone insurance.
Tips for getting the​ best value mobile phone insurance
1 .​
Don't automatically accept mobile phone insurance when you​ buy your mobile .​
Those tend to​ be the​ priciest premiums of​ all.
2 .​
If the​ salesperson or​ web site promises Free Mobile Insurance with all phones or​ with selected phones,​ be sure to​ check the​ details .​
In many cases,​ the​ cover is​ free for the​ first month .​
After the​ first month of​ cover,​ the​ regular premium will be tacked onto your mobile account charges,​ where you​ may not even realize you're paying it.
3 .​
Speaking of​ not realizing - are you​ already covered? If you've had the​ phone a​ bit and are just now thinking of​ insuring it,​ check the​ itemized details for your last account statement to​ be sure you're not already paying for insurance.
4 .​
Shop around the​ independent insurers .​
You can get economy cover for a​ mobile worth up to​ £150 for as​ little as​ £2.49 per month - less than half what most of​ the​ major insurers are charging.
5 .​
Consider an​ increase to​ your home and contents cover if​ you​ have many electronic and mobile devices that you​ carry with you​ .​
You can extend your contents insurance to​ cover your mobile devices,​ including your phone,​ PDA,​ PSP and other electronics when you​ take them out of​ your home.
6 .​
Got a​ family of​ mobiles? Nearly 80% of​ the​ phones reported stolen or​ lost belong to​ teens .​
If you're insuring more than one phone,​ look for a​ company that will cover multiple mobiles on​ one policy.




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