There are a number of phone insurance providers on the market, and premiums typically differ depending on the provider. The level of cover provided may also differ between providers, so it may be worth looking around to find the most suitable insurer for your needs before you purchase a policy.

Basic cover

All insurance providers are different, but you may want to check that your cover has at least the basics. These may include:

• theft cover which provides cover for your phone if it is stolen;
• damage cover which provides cover for your phone if you damage it in an accident;
• breakdown cover which covers your phone in the situation where your phone breaks down outside of the manufacturer’s warranty period.

For all of these basic cover levels, you may want to check what you are and are not covered for in each situation. For example, there may be circumstances when you may not be covered for theft or damage such as if you are not taking proper care of your phone.

Other levels of cover

In addition to the above, there are a number of other types of cover that various providers may or may not offer. These include:

• the excess, which is the amount that you pay when you make a claim, and it may typically differ from provider to provider;
• loss of the phone, which some insurers may provide cover for, but this typically varies between insurance companies, so you may want to look around and find out which ones can offer cover;
• unauthorised calls, which provides cover when someone steals your phone and uses it to makes call.

Find the most suitable cover for you

Needs vary between phone owners, so it may be a good idea to look around to find the cover that is most suitable for your requirements, whatever cover you are looking for. Your phone is precious and you probably want to take care of it as much as possible, so it may be worth looking around for the most suitable level of phone insurance that is appropriate for your specific needs.

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