Hands-free | Mobile Phone Insurance

iPhones and The Double Cheeky Insurance Trick

New iPhone owners are bound to be careful of their new valuable possession, until the novelty wears off a bit, that’s when accidents may well start to creep in!

Many people who do not have one will show an interest in your new iPhone, especially the common thief! They will target the iPhone as they are so easy to sell on the black market, they can normally shift them in a matter minutes.

When you look at it this way, the iPhone insurance policy O2 will try to sell you when you purchased your iphone may be well worth while considering, but it is worth trying to take a step back and thinking about things before you say yes or no to the insurance question. You now you will have to buy your iPhone contract with O2, as they are the only network who supplies it, but the iPhone insurance is a different matter.

Your friendly O2 and CPW store will be trying to convince you into taking out there own brand insurance products. They have your concentration captive to the well trained sales pitch, with one intention, to make you say yes to a product that is well overpriced to similar products available elsewhere. A simple search on Google will bring up a list of insurance providers that offer a better insurance policy for quite a few pounds less, as well as a few storeys form disgruntled customers who where given false storeys by their local O2 and CPW sales staff, with the intention of getting them to sign on the line there and then for the O2 brand insurance.

If you are thinking about purchasing an iPhone in the near future, it would be well worth doing a web search for iPhone insurance before you go to your local iPhone store, you will then be armed with a clear picture about the tactics some staff use to get you to sign on the line for there insurance. You can easily use this knowledge to turn the tables on sales staff and demand a better deal or some free extras for your iPhone in compensation for the false information that they may well have fed you, for example, there is no harm in asking for a good discount for a Bluetooth Handsfree kit for your car or a similar accessory for your iPhone.

AA Insurance Careless Driving Penalties Welcomed AA Insuranc

Britain’s leading car insurance broker, AA Insurance, has welcomed today’s Ministry of Justice initiative to clamp down on careless driving.

The ‘Don’t drive distracted’ announcement from Justice Secretary Jack Straw highlights a range of new careless driving laws that come into effect on Monday 18 August.

The new laws are designed to allow courts to imprison drivers who cause death because they were not paying due care and attention to the road or to other road users. The courts will also consider ‘avoidable distractions’ when sentencing motorists, including use of mobile phones. It also identifies eating and drinking and applying make-up among driver distractions that could lead to a collision that causes death.

Simon Douglas, director of AA Insurance, says: “I believe that these new laws will be widely welcomed by the insurance industry.

“Already many insurers significantly increase premiums, or refuse cover, for drivers who are convicted of careless driving, including convictions linked to the use of hand-held mobile telephones.

“Using a hand-held mobile telephone while driving, already attracts a fixed penalty of £60 and three penalty points. However, this offence often also attracts a careless driving penalty – whether the driver is involved in an accident or not. And in the event of an accident, particularly if someone is killed or seriously injured, police will routinely check mobile telephone records to see whether use of the phone was a contributory cause of the accident.

“Insurers recognise that such penalties lead to sometimes significant insurance claims and will either refuse to insure convicted drivers or significantly increase the premium they pay.”

In a survey of insurers on its panel, broker AA Insurance discovered that half would refuse to quote for a driver with a CU80 (hand-held mobile phone) offence and a DC10 (careless driving) offence while those that did increased premiums by up to 50 per cent.

Simon Douglas points out: “That premium increase will remain for three years, significantly adding to the cost of the penalty.

“Eight people die on our roads each day. Drivers who have been convicted of causing death through careless driving can expect to find it very difficult and expensive to obtain car insurance after they have served their sentence.

“No telephone call is ever worth the risk of causing death or injury. Switch the phone off when you are driving or put it on silent and collect calls at the next service area. And if you make a call to someone who is obviously driving, hang up immediately.”

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iPhones and The Double Cheeky Insurance Trick

AA Insurance Careless Driving Penalties Welcomed AA Insuranc