Mobile Phone Insurance – What is Essential?

When you buy mobile phone insurance you need to make sure that certain vital elements are included and covered. Here are your 3 absolute essentials…

Mobile phone loss:

1.Phones are lost every year – in fact over 6,000,000 – thats 6 million…

Why more? Because many insurance policies do not cover loss, so often people with those policies commit insurance fraud by claiming the phone was stolen in order to get a new phone from their insurance company. This decreases the phone loss figures andd raises the phone theft figures.

Mobile phone accidental damage is not covered by a number of insurance policies. There are some providers who do include it in their plans, but many don’t. Make sure you include this.

If you drop your phone accidentally, and the screen is shattered, it is not covered by the manufacturers waranty. The warranty is what covers you for things just stopping working – not damage.

So you need to make sure that with your mobile phone insurance you are covered for accidental damage especially if you are one of the 1000’s of people who do not carry their phone around in a leather case to protect it. One tumble from your pocket or bag, down to the ground can be enough to shatter the LCD display screen.

You need protection from bounces like you get with a leather case. Or you can put your phone in ‘wetsuit’ material which protects it well. You can find out at any local phone shop.

Leather case or not – phones take a beating through normal everyday life. It happens, its life. But you don’t need to have to pay for it when it happens. With the right mobile phone insurance (that is not expensive), you can effectively protect against accidental damage.

-> Water Damage

Water is a huge killer of phones.

Ove 1.2 MILLION phones are killed by water every year – whether down the toilet, in a beer, in a puddle, in a lake… Take you pick – and imagine all the ways any kind of water can kill your phone.

And the annoying thing is that there are many phone insurance policies that specifically exclude (ie do not cover) water damage. So make sure that water damage is included in your mobile phone insurance.

Phone Stolen

1.3 MILLION mobile phones are stolen every year according to extensive research by Continental Research. According to Halifax research this figure is over 2 MILLION.

Phones are stolen every year – and the total cost is £390 million per year

* One mobile phone stolen every 12 seconds

* Over 2 million mobile phones are stolen every year

So you need cover against:

1. Loss
2. Accidental damage – including water damage
3. Theft

So make sure you get your self covered with all these vital elements within your mobile phone insurance

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