Here are a few key thoughts relating to mobile phones insurance, that you may find useful:

• mobile phones insurance may form part of a larger insurance category of cover called gadget insurance – you may be able to obtain some interesting discounts if you purchase policies to cover several of your gadgets at the one time (e.g. mobile phone, PDA, camera and laptop etc);
• for the purposes of insurance, you may find that insurance providers do not consider things such as iphones and PDAs, to be mobile phones – they may have their own categories of cover;
• it is necessary to look carefully at the policy detail to be sure what cover is being provided, however, cover will typically protect you against things such as breakdowns outside of the manufacturer’s warranty period, accidental destruction, theft and (optionally) loss;
• some insurers may differentiate between theft and unattended theft – the latter being a situation where the mobile phone is stolen while not in your possession (some policies may not cover that at all though some may, providing you left the phone securely locked away at the time);
• mobile phones insurance typically may not cover breakdown and repair costs that arise during the manufacturer’s warranty period – they may regard that as being the responsibility of the manufacturer or original retailer (or both);
• some policies may not cover damage you cause while trying to somehow fix your phone or while fitting accessories to it – they may not see those situations as being a true definition of an accident;
• you may be fortunate enough to find a policy whereby the provider will undertake to replace your phone within 48 hours of your claim receiving final approval;
• if you do make a claim for theft or loss, the insurance may expect to see evidence that you reported the event to the police within 24 hours and that you obtained evidence that you had done so – that’s typically in the form of a police crime or lost property number;
• if you travel abroad, you may appreciate a policy that offers global rather than UK-only cover;
• some caution may be advisable before lending your phone to others, as the policy may only be valid if the phone was in your possession at the time an incident took place;
• typically, you may find that insurance sold on a stand-alone basis (i.e. not as part of your service provision contract) may offer broader based and more cost-attractive cover, as the providers may be specialists in the field;
• mobile phones insurance may save you a lot of money and equal amounts of inconvenience – it may be time to find out more.

No related posts.

Related posts brought to you by Yet Another Related Posts Plugin.