Many of us today are totally ‘hooked’ on mobile phones. They are an essential part of daily life both professional and private. Yet what many people are not hooked on is the cost of replacing them should they be lost – and that’s why cheap mobile phone insurance may be attractive.

The mobile phone – attractive to all

Unfortunately, it’s not only you who is likely to find your mobile phone attractive, appealing and perhaps essential – so do thieves!

Mobile phone theft is one of today’s commonest crimes. If yours is stolen, you have not only the financial cost of replacing it but also the inconvenience of trying to do without it for a period.

Mobile phones – becoming ever more clever

Once upon a time, mobile phones made phone calls. Then someone decided to add a camera, then Internet connectivity and on it went from there.

Today’s mobile phone can be just a phone but it is also likely to be a PDA, Smartphone or iPhone. As its sophistication and power increases then typically so will its price and therefore the cost to you if you have to replace it.

Thieves aren’t the only problem

A surprising number of people find it difficult to keep track of their phone. They can easily be lost or misplaced when using them on trains or buses, in restaurants or in parties or other social events.

Then there is the question of accidents and damage. The person who accidentally stood on your bag, crushing your phone in the process, is not likely to win any popularity contests with you – particularly if they don’t pay. Someone that spilled their drink over your phone while you had it on the table is also likely to come off your Christmas card list!

Finally, there is the question of breakdown. Although modern devices and gadgets are fairly robust, they can and do ‘go wrong’. That may be a nightmare for you, particularly if it involves a loss of data.

The point is, that in any of the above circumstances, you’re likely to face a hefty bill and major inconvenience unless you happened to have a taken out a cheap mobile phone insurance policy.

The role of cheap mobile phone insurance

For a very modest sum, you may be able to find cheap mobile phone insurance of this type to cover your mobile phone and other gadgets (excluding loss for iPhones).

Typically, such insurance provides cover along the lines of:

• replacement for items within 48 hours of a successful claim (not on a new for old basis);

• worldwide cover and protection;

• protection that covers most standard phones (iPhones may be subject to special terms and conditions and loss is usually not covered);

• possibility to include other gadgets such as camcorders, laptops and games consoles.

Reassurance at a modest price

Taking out cheap mobile phone insurance, perhaps as part of a wider gadget insurance policy, may provide you with a degree of reassurance when you’re out and about with your phone. Finding out more information may end up saving you a great deal of money and a lot of hassle!