Mobile Insurance – What is Essential

Posted: January 1st, 2010 | Category: Computers and Technology

When you buy mobile phone insurance you need to make sure that certain vital elements are included and covered. Here are the 3 essentials…

Mobile phone loss:

1.Every year, research has shown, over 6,000,000 phones are lost…

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 means phone crime figures go up and mobile loss figures go down.

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 make sure you look into this.

If you drop your phone accidentally, and the screen is shattered, it is not covered by the manufacturers waranty. The warranty is what covers you for things just stopping working – not 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. Also you can get slimline rubberized cases which work well. You can find out at any local phone shop.

In everyday use your mobile is going to receive 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 damage is massively common.

Ove 1.2 MILLION phones are killed by water every year – whether down the toilet, in a beer, in a puddle, in a lake… Think of other water sources or locations – they can all kill your phone.

And the annoying thing is that there are many phone insurance policies that specifically exclude (ie do not cover) water damage. Water damage is going to be an essential part of your phone insurance.

Mobile Phone Theft

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:

1. Loss
2. Accidental damage – including water damage
3. Theft

So make sure you get your self covered with all these vital elements within your mobile phone insurance

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