Like most of us, you probably went out to choose and buy your mobile phone enthusiastically. It’s possibly the case that you don’t have quite the same enthusiasm for the prospect of choosing mobile phone insurance!

Importance

Understandable as that may be, in the event that the unexpected does happen to your phone and you lose or damage it, it may also prove to be a costly approach.

The fact is that your cell phone probably cost you a fair deal of money. If you have a major problem that destroys or otherwise removes it from you, you’ll be feeling the financial pain, as you have to buy another one to replace it.

Cell phone insurance can typically help protect you from those costs as well as some of the inconvenience you may suffer.

So, it’s an important subject. Even if you can’t feel enthusiastic about it, taking it seriously might be advisable!

Protection offered

A typical cell phone is:

– small; 
– often expensive; 
– electronic and relatively fragile; 
– fairly cute and trendy.

If you add those things together, you may find that they equal – risk.

The risks are pretty much as you would expect them to be:

– theft; 
– loss; 
– breakdown; 
– accidents leading to damage/destruction.

If you have a good mobile phone insurance policy, it will typically offer you financial protection against all or some of these these risks. Note that typically:

– breakdown cover only applies to breakdowns outside of the manufacturer’s warranty period; 
– loss may be available as an optional extra.

Saving you effort

Some policies also recognise that one of the biggest impacts of running into these sorts of troubles with your phone is the inconvenience you suffer.

Trudging along to the shops might not always be convenient and being without your phone may be a nightmare in terms of your business and your private life.

So, some policies also offer:

– 48 hour replacement of your phone once your claim has been approved; 
– data backup facilities so that you can store things like contact lists etc at the time of taking the cover; 
– cover for any unauthorised calls made from your phone after its theft; 
– global protection, so you’re also protected when outside of the United Kingdom.

Of course, whether it’s for houses, cars or mobile phones, as with any insurance product, terms and conditions, exclusions and limitations will apply and it’s probably worth making the effort to look at these while you’re making your purchase decision.

Reassurance

Making the effort to think about mobile phone insurance may end up being a very sound investment of some of your time. You’ll certainly think so if you’re unfortunate and run into some of the above problems!