Phone Insurance - Whats Essential?
Post date: April 30th, 2009 |
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When you buy mobile phone insurance you need to make sure that certain vital elements are included and covered. Here you can read the 3 essentials…
Mobile phone loss:
1.Research shows over 6 million mobilie phones are lost every year…
Why more? Because many insurance policies do not cover loss, so often people with those policies commit insurance fraud by claiming the phone was stolen in order to get a new phone from their insurance company. This artificially lowers the phone loss figures and increases the mobile phone crime figures.
Mobile phone accidental damage is not covered by a number of insurance policies. There are some providers who do include it in their plans, but many don’t. So dont avoid this.
If you drop your phone accidentally, and the screen is shattered, it is not covered by the manufacturers waranty. The warranty will only cover you for breakdown ie things going wrong for no particular reason, such as the screen just 'going dead' and stopping woking - not accidental damage.
So you need to make sure that with your mobile phone insurance you are covered for accidental damage especially if you are one of the 1000′s of people who do not carry their phone around in a leather case to protect it. One tumble from your pocket or bag, down to the ground can be enough to shatter the LCD display screen.
It is a good idea to use a leather case if you can, as they do offer a certain level of protection. Sure it makes it a bit bulky but it protects very effectively. You can find out at any local phone shop.
You'll be getting some knocks whether you have a case or not. It happens, its life. But you don’t need to have to pay for it when it happens. It is very easy to protect against accidental damage - just make sure you are checking its there.
-> Water Damage
Modern mobile phones are strong in some ways - but water can dispatch them to their maker very quickly.
Ove 1.2 MILLION phones are killed by water every year – whether down the toilet, in a beer, in a puddle, in a lake… The list of possibilities goes on and on.
And the annoying thing is that there are many phone insurance policies that specifically exclude (ie do not cover) water damage. So water damage will be needed in your mobile phone insurance.
Mobile Crime
1.3 MILLION mobile phones are stolen every year according to extensive research by Continental Research. According to Halifax research this figure is over 2 MILLION.
The annual cost of phone theft is around £390 million
* One mobile phone stolen every 12 seconds
* Over 2 million mobile phones are stolen every year
So you need cover against:
- Loss
- Accidental damage – including water damage
- Theft
So make sure you get your self covered with all these vital elements within your mobile phone insurance