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You might possibly not even consider the possibility that your mobile phone might be lost, stolen, suffer accidental damage or breakdown after its manufacturer’s warranty ends. You may wish to give some thought to suffering any of the above. With this in mind you want to ask yourself whether you need to buy phone policies.

Why mobile phone insurance?

Consider the following scenario:

1 you are back from a shopping trip and empty your pockets only to find that your mobile is not among the contents. You look everywhere but it`s gone. You must have lost it while you were out, but where? The chances of getting it back are almost next to none and you do not have phone insurance. A brand new phone costs a great deal of money which may have to come out of your pocket.

Now consider the following scenario:

2 you arrive home to find you have lost your mobile. Ah but you took out insurance for your phone. Not only is the phone insured for loss but your also have free data back-up as part of your cover. This means that all your contacts and other data is safe. All you need to do is call your mobile phone insurance protection provider and, if your claim is successful, get a brand new replacement delivered to your door. You may even get a replacement in 48 hours. The only cost to you would be any policy excess that could apply.

Even more protection

Many other things might go wrong.. you may generally:

1 lose grip of your phone and drop it into water;

2 you could get caught in a heavy downpour and your mobile suffers water damage;

3 your phone might be stolen;

4 you might drop the phone and cause accidental damage to it;

5 your phone could breakdown after its warranty expires.

Typically when you buy phone policies you may be covered for the above events, though do be aware that what is covered by one policy may not be covered by another. The policy might even provide the same protection it does in the UK if you take your phone on holiday abroad, as some protection for mobile phone policies offer worldwide cover.

Taking out mobile phone insurance

When you decide to buy phone protection always shop around for the most suitable policy for your needs. Bear in mind the type of phone you have, to ensure you have the correct cover. For instance if you have an iPhone 3G then you may need to take out policies specifically aimed at that model. In the case of the iPhone 3G it may not be protected for loss (as iPhones will not always be covered for loss by some mobile phone insurance providers), so always make sure that you double check the details of the protection policy.

Also check how long you need to be without a phone. With some mobile phone protection companies you may get a replacement within just 48 hours from making a successful claim.

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