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.Research shows over 6 million mobilie phones are lost 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. This is why phone crim figures are as high as they are - because more crime is reported artifically and less phone theft.
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 dont miss this one 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.
You need protection from bounces like you get with a leather case. As well as leather cases (which can be bulky) you can use neprene (wetsuit) material or slim rubberized cases. You'll find them at your local shop.
Daily life will give your phone a fair few knocks - no matter what case it is in or not. It happens, its life. But you don’t need to have to pay for it when it happens. So accidental damage cover really needs to be in your mobile phone insurance policy.
-> Water Damage
Water is a big killer for phones - only 1 drop on the 'brains' of the phone can fry it.
Ove 1.2 MILLION phones are killed by water every year – whether down the toilet, in a beer, in a puddle, in a lake… The bath, the basin, the sea…
And the annoying thing is that there are many phone insurance policies that specifically exclude (ie do not cover) water damage. So make sure that water damage is included in your mobile phone insurance.
Mobile 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.
The annual cost of phone theft is 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
