One of the must have gadgets of the moment is the mobile phone. Nearly everyone that you meet these days has their own mobile phone no matter what age they are. However, surprisingly, most people these days do not have mobile phone insurance. Most of us think that this is something that we don’t need but the reality is that with all the latest mobile phones that are on the market, the number of mobile phone thefts is on the increase.
Why Mobiles are Attractive to Criminals
Many of the mobile phones we see on the market today are jam packed with features and functions and these smart phones are quite expensive to buy. So if you were the victim of mobile phone theft, then you would be losing one of your favourite gadgets and you would also be out of pocket by a few hundred pounds. Having mobile phone insurance UK would mean that you would not be out of pocket should your phone gets stolen.
What Type of Cover is Available?
These days, insurance companies are working with the leading mobile phone companies to ensure that they are offering sufficient cover to people for their mobile phones. When it comes to mobile phone insurance, most people will have the choice of having their phone replaced with a similar handset should it be stolen or they can choose to be compensated financially for the loss of the phone.
Playing Your Part
It is important to note that it is not as simple as phoning up your insurance company and saying that you have lost your phone or that it has been stolen. You must make sure that you have not contributed in any way to the loss of your phone and if it was stolen, then you will have to report it as such to the police.
Mobile phone insurance can also protect your phone against accidental damage but you have to prove that you were not careless with your phone. If there is reasonable proof to show that you could have been more careful with your phone, then you may find it difficult to get the insurance company to pay out. Provided that you took due care of your phone however, you should be able to get a replacement or your money back. It is very important that you know the terms and conditions of your insurance policy.
Where to Buy Mobile Phone Insurance
You may be offered mobile phone insurance when you purchase the phone or you can check for it separately if you prefer. Before deciding on a particular mobile phone insurance company, it would be wise to do some research. Make sure that you find out all you can about it and ensure that it has a good reputation and is well established. Compare prices from various companies to make sure you are getting the best deal. There is no excuse for paying more than you should especially with the internet at our disposal.
Having mobile phone insurance is more important than a lot of people actually realise. If you want to protect your most precious gadget then you need to get this insurance when you get your phone. The cost of mobile phone insurance will not be that high so make a point of getting it as you may find that it is well worth it, especially if your phone gets lost, damaged or stolen.