Sometimes it is difficult to imagine life before your iPhone. Can you remember what it was like not to be contactable all the time, and not to be able to get in touch with your friends whenever and wherever you felt like it? Can you even remember what it felt like not to be able to listen to music or access other files on your phone? Unless you want to return to that state, you may wish to consider getting iPhone insurance.

It’s a bleak world without cover

If you are not convinced, then imagine what you would do without adequate phone insurance. Would you be able to:

– afford a replacement; or 
– go without an iPhone until you had saved up for one?

How can you decide between policies?

If you think about it, getting iPhone insurance may be the safest way to meet your individual needs. So how can you decide which policy may suit you best?

The first thing you may wish to consider is which risks the policy covers. After all, that is the basic point of insurance. If you examine the draft documents that may accompany the quotes that you obtain, you may find the lists of insured risks that are provided may be slightly different. However, a standard iPhone insurance policy may typically cover theft, accidental damage and breakdown outside of the manufacturer’s warranty period.

There may also be additional extras on offer, like cover for accidental loss. However, such cover may only be available for an extra payment per month.

Further considerations

Aside from the cover itself, there are other things to bear in mind. For example, you may wish to check how long an insurer may take to replace your stolen or damaged iPhone. If they cannot guarantee a replacement within 48 hours of your successful claim, you may wish to search around to see what other insurers can offer.

Further, there is also the question of where you want to take your iPhone. If you always bring yours on holiday, you may wish to check that the cover is worldwide in application.

As with any insurance product, terms and conditions, exclusions and limitations will apply and you may wish to read these carefully to ensure you understand them.

Finally, what about the information you store on your phone? Given how much these things cost, it may be tempting to get hung up on the insurance of the cost itself. But iPhone insurance may provide a data backup service which may be able to retrieve your photos and other files if something terrible were to happen to your iPhone.