Mobile phones are vulnerable and constitute risk in terms of your finances. If you do not have mobile phone insurance UK on hand to help, then if your phone is lost or destroyed you could be facing some large costs to replace it.

Mobile phone costs

It’s often correctly said that technology costs are ever coming downwards. To some extent that’s true but it’s not quite the whole story.

While the cost of a very basic ‘call only’ mobile phone may have come down in recent years, in fact many people today tend to have phones that have additional features within them such as Camera, PDA, Internet and Palm Computer capabilities. As such, it is possible that you are spending more today than you would have done some years ago because your phone today is not directly comparable with the comparatively low-function phones of previous years.

However you interpret the statistics, one thing is sure – if you lose your phone it will not be cheap to replace.

Loss and ‘loss’

Any electronic gadget is vulnerable in several respects – particularly mobile phones. Yes, it is always easy to forget you have left in somewhere. If that ‘somewhere’ was a public place that may well be the last you’ll ever see of it.

In addition, as phones tend to still be regarded as chic and glamorous, they are very eye-catching to thieves and other criminals. This may be particularly true for the latest high-tech or fashionable models.

If that’s not bad enough, increased miniaturisation means that they can very easily slip through ones fingers ending up in many pieces on the floor or end up being trodden on.

The can also easily break down and that won’t be amusing if it happens just outside of warranty.

In all of the above circumstances you may end up reaching for your chequebook or plastic and holding your breath – unless you have mobile phone insurance UK cover standing by ready to help.

Mobile phone insurance UK cover

There are insurance policies specifically designed to cover these sorts of risks to your mobile phone (excluding loss for iPhones) Having this type of protection would typically provide:

• if the claim was successful, replacement of the item within 48hours – this may involve replacement of a part and not necessarily on a ‘new for old’ basis;

• free mobile phone data backup;

• cover for wherever you are in the world.

Some policies may have special cover conditions and terms for iPhones that may be worth specifically checking.

Gadget insurance

If, like most people, your mobile phone is only one of several gadgets you own, you may benefit from looking for mobile phone insurance UK in the context of general gadget insurance.

Some insurance policies may allow you to include your phone as one of several gadgets under protection. The additional costs may be marginal in terms of the additional protection you’re obtaining for things such as laptops, cameras and games consoles etc.

So if you’re thinking of mobile phone insurance UK cover, it might be worth spending a little extra time thinking about your broader ‘gadget insurance’ needs. It may end up saving you money.

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