What Type Of Cellular Phone Insurance Option Is Most Useful For Me?


 

Now you have bought a new mobile phone and committed yourself for the following 18 to 24 months to your mobile phone network, you will probably want to obtain some insurance in place to protect your new investment. As you probably are aware, your mobile phone was only given to you at no cost by your retailer, as you have assured them with an agreement of your business for the tenure of your contract. That is a guaranteed income supply for them for the next 24 months.

As you have assured them of guaranteed income for the coming months, they are more than satisfied to give you a free mobile phone, to reward your custom, as well as to draw you to the deal in the first place.

But where would you be if you lost your new phone? Well basically, you would have to stand the replacement bill, except, you had some valid mobile phone insurance ready for your phone. The replacement cost of phones will differ from brand and version, but a rule of thumb price would be around the 300 GBP area, with the latest iPhone being in the higher price bracket of around 650 GBP.

There are several familiar methods you can use to protect your phone, let's discuss them quickly, one by one.

When you take out your new phone deal, you will quite defiantly be provided mobile phone insurance by your retailer or network provider, normally for an additional monthly fee of around 9 GBP to 16 GBP, depending on the connection and the make and model of the phone. This normally seems to be the highest price insurance option that will be available to you.

Secondly, you could include your mobile phone to your home contents insurance policy, as a lot of policies let you to add individual personal items of value. This can sometimes be very good value for money, as you may not be charged an additional fee. Care should be taken though, as you will probably find in the event of a claim being made, the entire claim process could take many weeks to get resolved. It would also be sensible to know the extra fee you would have to pay with this scheme, as it could be set quite high.

Finally, a very popular option at the moment is using an independent insurance company, who is not attached with the phone network or retailer to provide you with insurance cover. This is called standalone insurance and is commonly found on the internet for around half the fee the retailer or network provider would charge.

In general, it could well be good attempt to research on mobile phone insurance before you get your new mobile, thus, allowing you to have pre selected the best insurance product for you, before you take delivery of your new mobile phone.

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