When you buy mobile phone insurance you need to make sure that certain vital elements are included and covered. Here you can read the 3 essentials…
Mobile phone loss:
1.Lost phones add up to over 6 million every year…
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. Which means phone theft stats decrease artificially and mobile loss stats are lowered.
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. Miss this and you will lose out.
If you drop your phone accidentally, and the screen is shattered, it is not covered by the manufacturers waranty. The warranty will only cover you for breakdown ie things going wrong for no particular reason, such as the screen just 'going dead' and stopping woking - not accidental damage.
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.
It is a good idea to use a leather case if you can, as they do offer a certain level of protection. Or try a rubberized case which is slimmer. You'll find them at your local shop.
Your mobile phone will probably take some knocks whether you have a case or not. It happens, its life. But you don’t need to have to pay for it when it happens. Make sure your phone insurance has accidental damage cover.
-> Water Damage
Water is a BIG killer of phones - far more than you might think.
Ove 1.2 MILLION phones are killed by water every year – whether down the toilet, in a beer, in a puddle, in a lake… A rain drop, the sea…
And the kicker is that many mobile phone insurance policies specifically do not cover water damage. So you can see - water damage is an essential part of your mobile phone insurance.
Phone Crime
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.
Phones are stolen every year at a cost of around £390 million
* 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
Tags: mobile insurance, mobile phone insurance, phone insurance