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. So what are the 3 absolute must-have essentials…
Mobile phone loss:
1.According to research over 6 million phones are lost annually…
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.
You need protection from bounces like you get with a leather case. As well as leather cases (which can be bulky) you can use neprene (wetsuit) material or slim rubberized cases. You'll find them at your local shop.
Your mobile phone will take a beating through normal everyday use. It happens, its life. But you don’t need to have to pay for it when it happens. Accidental damage is something that you absolutely must and should have in your mobile phone insurance.
-> 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… Take you pick - and imagine all the ways any kind of water can kill your phone.
And the crazy thing is that a lot of phone insurance policies do not cover water damage. So your mobile insurance will want to include water damage.
Mobile 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.
Mobile phone theft costs UK £390 million a year
* One mobile phone stolen every 12 seconds
* Over 2 million mobile phones are stolen every year
So you need cover against:
- Loss
- Accidental damage – including water damage
- Theft
So make sure you get your self covered with all these vital elements within your mobile phone insurance
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