Mobile phone insurance may seem like an unnecessary extra, but in reality it could be a very useful tool to help save you money and heartache if your handset is lost, stolen, damaged or breaks down out of warranty.
The main reason to invest in mobile phone insurance is that when you get a new handset you may well be paying nothing upfront for your phone as it is subsidised by your network provider and the costs are covered over a fixed term contract. However, the mobile will still be worth hundreds of pounds and if it suffers one of the unfortunate circumstances mentioned above you will have to bear the bill for repair or replacement alone, unless you are insured.
There are many different ways to get mobile phone insurance, with most network providers offering it as part of an additional monthly fee. However, it may be cheaper and more flexible if you opt for an independent mobile phone insurance provider. Each year there are about a million mobile phone insurance claims in the UK and this figure is rising as word gets out, so protecting your own handset is sensible. Here are just some of the companies that will cover your handset.
Protect Your Bubble
This firm is a gadget insurance specialist and the monthly premiums are affordable, with basic policies including cover against accidental damage caused by a number of scenarios, including liquid. This is particularly useful if you are worried about dropping your phone in a puddle, a glass of water or the toilet without meaning to.
Protect Your Bubble’s standard mobile insurance policy will also cover you for any unauthorised calls which are made if your handset is stolen. This is a useful way of mitigating a cost which you might otherwise have neglected to consider. If you travel abroad a lot the inclusion of worldwide cover will also prove convenient.
Rather than paying monthly you can enjoy a one-off payment for a fixed period of cover with Phones 4U. This can include protection against theft, accidental damage, mechanical breakdown and even cover for your accessories. This is useful if you are going to be using expensive headphones, a solid mobile phone jacket or other costly accessory which could easily get stolen or damaged along with your handset.
If you choose this insurance firm then you will be pleased to hear that most claims are effectively handled within two days of being placed, so there will be little waiting around without a phone. Damage, theft and international cover are all included for mobile users, although you will not be protected against loss.
Priding itself on providing flexible cover for mobile owners which includes all the usual areas of protection along with fraudulent usage, MyGadgetBuddy will let you add additional cover for loss and overseas travel only if you want it. That means premiums are kept low and you will only be paying out for the cover that you actually require.