Best Mobile Phone Insurance

Now you have purchased a new mobile phone and committed yourself for the next 18 to 24 months to your phone network, you will probably want to get some insurance in place to protect your new investment. As you probably know, your mobile phone was only given to you free by your retailer, as you have promised them with a guarantee of your business for the term of your contract. That is a guaranteed income supply for them for the next 24 months.

As you have assured them of guaranteed income over the coming months, they are more than happy to give you a free mobile phone, to reward your custom, as well as to attract you to the offer in the first place. But where would you stand if you lost your new phone? Well basically, you would have to stand the replacement bill, unless, you had some valid insurance in place for your phone. The replacement cost of phones will vary from make and model, but a rule of thumb price would be around the 300 GBP area, with the latest iPhone being in the higher price bracket of around 650 GBP.

There are several common methods you can use to protect your phone, let’s go over them quickly, one by one. When you take out your new phone contract, you will almost defiantly be offered phone insurance by your retailer or network provider, normally for an additional monthly fee of around 9 GBP to 16 GBP, depending on the network and the make and model of the phone. This normally tends to be the highest price insurance option that will be available to you.

Secondly, you could add your mobile phone to your home contents insurance policy, as many policies allow for you to add individual personal items of value. This can some times be very good value for money, as you may not be charged an additional fee. Caution should be taken though, as you will probably find in the event of a claim being made, the whole claim process could take many weeks to get resolved. It would also be wise to know the excess fee you would have to pay with this method, as it could be set quite high.

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Finally, a very popular option at the moment is using an independent insurance company, who is not connected with the phone network or retailer to provide you with insurance cover. This is known as stand alone insurance and is commonly found on the internet for around half the price the retailer or network provider would charge.

All in all, it could well be good practise to research on mobile phone insurance before you get your new mobile, thus, allowing you to have pre selected the best insurance product for you, before you take delivery of your new mobile phone.

Now you have purchased a new mobile phone and committed yourself for the next 18 to 24 months to your phone network, you will probably want to get some insurance in place to protect your new investment. As you probably know, your mobile phone was only given to you free by your retailer, as you have promised them with a guarantee of your business for the term of your contract. That is a guaranteed income supply for them for the next 24 months.

Mobile Phone Insurance