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