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What Cellular Phone Insurance Option Is Most Useful For Me?
Now you have bought a new mobile phone and dedicated yourself for the next 18 to 24 months to your phone network, you will probably want to get some insurance in place to cover your new investment. As you possibly know, your mobile phone was just given to you at no cost by your dealer, as you have promised them with a guarantee of your business for the term of your contract. That is a guaranteed income source for them for the next 24 months.
As you have promised them of guaranteed income over the coming months, they are more than satisfied to give you a free mobile phone, to compensate your custom, as well as to attract you to the offer in the first place.
But where would you stand if you misplaced your new phone? Well basically, you would have to bear the replacement bill, unless, you had some applicable mobile phone insurance ready for your phone. The substitution cost of phones will vary from make and model, but a rule of thumb price would be around the 300 GBP range, with the latest iPhone being in the higher price category of around 650 GBP.
There are several common methods you can apply to protect your phone, let's discuss them briefly, one by one.
When you take out your new phone contract, you will almost defiantly be offered mobile phone insurance by your dealer or network provider, normally for an additional monthly charge of around 9 GBP to 16 GBP, depending on the network and the make and type of the phone. This normally seems to be the highest price insurance cover that will be available to you.
Secondly, you could add 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 good value for money, as you may not be charged any further fee. Caution should be taken though, as you will probably realize in the event of a claim being made, the entire claim process could take many weeks to get settled. It would also be wise to know the excess fee you would have to pay with this method, as it could be set fairly high.
Finally, a very popular option at the moment is using a private insurance company, who is not connected with the phone network or retailer to provide you with insurance cover. This is called standalone insurance and is commonly seen on the internet for around half the price 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 have pre selected the best insurance product for you, before you purchase your new mobile phone.
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