To compare mobile phone insurance rates one needs to have an understanding of the risks and what the respective insurance policies are offering.

What is a mobile phone?

Today that’s a difficult question. Many mobile phones now bear little resemblance to the mobile phones of even 5-10 years ago. They have merged with palm computers, PDAs, cameras and Internet devices to form very powerful hand-held information technology tools.

Of course it is still possible to purchase these devices independently including a fairly basic ‘phone’ but if you have one that has any of these added features then there’s a fair chance that is a function-rich, complex and very probably expensive item.

What do you use a mobile phone for?

To put it bluntly, that question may sound daft. Yes, of course, making or receiving phone calls.

Yet if you peel away the surface, in fact the answer is often far more complicated:

• if you have a basic phone, you probably use it to keep your parents, families or partners in touch with where you are and what you’re doing as it may affect them;

• if you have smart phone or other form of function-rich device, you may also be using it for your business and professional activities;

• in the case of the more complex phones, you may also be using it to store important business or personal data.

The point is, that a phone today is rarely just a device to make the odd casual call on. It lay be the centre-point of a complex communication and information web that helps you manage your day-to-day life.

Losing your phone – a major financial problem?

The chances are that it may well be. You may wish to compare mobile phone insurance prices against the costs of replacing your phone if it is lost. You may have a shock, particularly if your phone is one of the more high end gadgets.

If you are about to compare mobile phone insurance in this fashion, it might be worth keeping in mind that ‘loss’ doesn’t only mean if you physically lose your phone through carelessness.

Mobile phones are also a prime target for thieves, they are easily dropped and broken and they can breakdown. In all these situations you may find yourself facing very significant costs to replace it.

Mobile phone insurance

For a typically modest cost, you can insure your mobile phone against these eventualities (though accidental loss is typically not offered on iPhones). The cover typically includes worldwide protection and replacement within 48 hours if your claim is successful.

As mentioned above, some iPhones may be subject to special terms – that may be worth looking out for.

To compare mobile phone insurance – the wider picture

Before just checking one insurance price against another, it may be advisable to think about your mobile phone in the wider context of gadget insurance that includes things such as games consoles, printers, and cameras etc.

Some policies may allow the inclusion of several gadgets ‘under cover’ as well as your phone for only a little extra. To really compare mobile phone insurance between suppliers, you may have to take that option into account.

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