What Mobile Phone Insurance Cover Is Best Value For Me?

Now you have purchased a new mobile phone and committed yourself for the subsequent 18 to 24 months to your phone network, you will probably want to buy some insurance in place to protect your new gadget. As you probably are aware, your mobile phone was only given to you free by your retailer, as you have assured them with a guarantee of your business for the period of your contract. That is a guaranteed income supply for them for the following 24 months.

As you have assured them of guaranteed income for the coming months, they are more than happy to give you a free mobile phone, to reward your custom, as well as to interest you to the offer in the first place.

But where would you be if you lost your new phone? Well mostly, you would have to stand the replacement bill, except, you had some valid mobile phone insurance in place for your phone. The replacement cost of phones will be different from make and style, but a rule of thumb price would be around the 300 GBP area, with the most recent iPhone being in the higher price bracket of around 650 GBP.

There are several familiar methods you can use to protect your phone, let's go over them quickly, one by one.

When you take out your new phone agreement, you will almost defiantly be provided mobile phone insurance by your retailer or network provider, generally for an additional monthly fee of around 9 GBP to 16 GBP, depending on the connection 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 include your mobile phone to your home contents insurance policy, as many policies permit you to add individual personal items of value. This can sometimes be very much worth, as you may not be charged an additional fee. Care 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 prudent to know the excess fee you would have to pay with this process, as it could be set quite high.

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

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

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