Mobile Insurance - What is Essential

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Mobile Insurance - What is Essential

Saturday, February 6th, 2010 Subscribe To Our Feed

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. So dont miss this one out.

If you drop your phone accidentally, and the screen is shattered, it is not covered by the manufacturers waranty. The warranty is only fo rthings that just stop working ie jus tgo wrong - not if something has been ‘done’ to the phone.

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.

It is a good idea to use a leather case if you can, as they do offer a certain level of protection. They may make the phone a little bulky, particularly if you always put your phone in your pocket, but you can get slimline cases that do not have the bulky clip on the back. You’ll find them at your local shop.

You’ll be getting some knocks whether you have a case or not. It happens, its life. But you don’t need to have to pay for it when it happens. So accidental damage cover really needs to be in your mobile phone insurance policy.

-> Water Damage

A sub-set of the ‘accidental damage element, this is actually a far bigger killer of phones that you might expect or than is reported normally.

Ove 1.2 MILLION phones are killed by water every year - whether down the toilet, in a beer, in a puddle, in a lake… Think of other water sources or locations - they can all kill your phone.

And the kicker is that many mobile phone insurance policies specifically do not cover water damage. Water damage is going to be an essential part of your 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.

Phone theft costs £390 million every year

* One mobile phone stolen every 12 seconds

* Over 2 million mobile phones are stolen every year

So you need cover against: