Mobile Insurance - What is Essential

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

Mobile phone loss:

1.Phones are lost every year - in fact over 6,000,000 - thats 6 million…

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 artificially lowers the phone loss figures and increases the mobile phone crime 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 miss this out at your peril.

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. Or try a rubberized case which is slimmer. You'll find them at your local shop.

During normal use your phone is going to get knocked. It happens, its life. But you don’t need to have to pay for it when it happens. With the right mobile phone insurance (that is not expensive), you can effectively protect against accidental damage.

-> 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 kicker is that many mobile phone insurance policies specifically do not cover water damage. You can see - water damage is going to be needed in your phone insurance.

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.

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:

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