Phone insurance – specialised or home insurance
Post date: January 24th, 2010 |
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The advancement and development of mobile phone has been happening at a very fast rate. Because technology keeps advancing everyday the number of mobile phone crimes also increases. How expensive are the mobile phones is known to both you and the thieves around you. It is very important to insure your mobile phone because of this reason. Read further to know more about mobile phone insurance, where you can get one? You should know the various options available?
The mobile phone has various functions available for you. Various facilities like managing your calendar, surfing internet to play music and audio files of your choice is now possible using your mobile phone.
This advancement of technology has a problem as the cost of buying these phones and the cost of replacing it if it is stolen, damaged or lost also increases.
Your mobile phone could be lost somewhere and you do not know where you placed it or it can drop out of your bag and get smashed or may be it gets pick pocketed on the tube.
The mobile phone has a few effects of being an advanced cool and expensive gadget.
Because you proudly own this wonderful gadget you will try to keep it safely.
Owning a mobile phone may lead to jealousies or coveting your phone by people around you. It will be a specific target for thieves when it comes relating to your mobile phone.
Are you aware of the options available for your mobile phone to be insured?
In case you want to insure this expensive kit one of the ways to do it is to add it along with your home insurance. Even though this can work it may have three major draw backs.
1. Home insurance policies usually have £150 or more higher excess than any other specific policies.
2. You cannot bear the expenses if you make a relatively small claim for your phone on your home insurance as your home insurance premium will probably be more expensive the next year.
3. In order to solve a claim you are made to wait for weeks by the house insurers. In order to get your house insurance claim, you might not want to wait long. In case you do not have your phone with you for long will you feel comfortable?
Waiting for weeks for their phone to be replaced is not acceptable to many. If you want to insure your phone do you think that household insurers are good?
Rather than going to any general hospital you would go to a specialised dentist if you want to get your tooth fixed. Likewise to select a specialised insurance firm for phone insurance would be wise.
As you will want the insurance to protect you and the mobile phone with the cost effective and decent level of insurane cover for your phone will now be a priority to find out the specialised insurance that does these.
Cost effective, what does it signify?
For instance the BlackBerry Curve 8900 mobile phone would cost £350 as a Pay As You Go handset.
To get your phone replaced it would be cost effective for you if you get any insurance that would be less than £350. You need to insure your phone with the cost as low as possible as there is going to be some cost involved while replacing your phone. Of course you can get specialist Blackberry insurance.
You should also think about the eventualities from which your phone needs to be insured. What is the level of insurance cover that you will need? You should know that apart from the obvious reason of theft, insuring your phone for just losing your mobile phone, mobile phone damage or water damage which is the biggest threat or insure it while you are travelling abroad, or will you need an extended warranty if your phone malfunctions after the warranty period of 12 months given by the manufacturer are other reasons for insuring your phone? You will have to consider about all these factors.
So before you go ahead and spend your money, you need to first think on which is the best phone insurance.
As you realise what a wonderful piece of kit it is once you get a mobile phone, you will want a specialised mobile phone insurance that will protect you and your mobile properly whatever your choice of insurance may be.