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Which Cell Phone Insurance Cover Is Best Value For Me?
Now you have obtained a new mobile phone and dedicated yourself for the following 18 to 24 months to your phone network, you will probably want to get some insurance in place to protect your new device. As you probably are aware, your mobile phone was only given to you free of charge by your dealer, as you have assured them with a guarantee of your business for the term of your contract. That is a guaranteed income supply for them for the following 24 months.
As you have assured them of guaranteed income for the coming months, they are more than pleased to give you a free mobile phone, to compensate your custom, as well as to draw you to the offer in the first place.
But where would you stand if you lost your new phone? Well essentially, you would have to stand the replacement bill, except, you had some valid mobile phone insurance ready for your phone. The substitution cost of phones will differ from make and model, but a rule of thumb price would be around the 300 GBP range, with the hottest 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 look at them briefly, one by one.
When you take out your new phone deal, you will almost defiantly be offered mobile phone insurance by your dealer or network provider, usually 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 cover that will be available to you.
Secondly, you could include your mobile phone to your home contents insurance policy, as many policies allow you to add individual personal things of value. This can sometimes be very much worth, 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 complete claim process could take many weeks to get settled. It would also be sensible to know the excess fee you would have to pay with this method, as it could be set fairly high.
Finally, a very common 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 referred to as standalone insurance and is commonly seen on the internet for around half the fee the retailer or network provider would charge.
All in all, it could well be good practice to research on mobile phone insurance before you purchase your new mobile, thus, allowing you to choose in advance the best insurance product for you, before you take delivery of your new mobile phone.
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