Mobile Phone Insurance – What is Essential?
When you buy mobile phone insurance you need to make sure that certain vital elements are included and covered. So what are the 3 absolute must-have essentials…
Mobile phone loss:
1.Over 6,000,000 phones get lost every year…
Why more? Because many insurance policies do not cover loss, so often people with those policies commit insurance fraud by claiming the phone was stolen in order to get a new phone from their insurance company. So mobile crime statistics increase and phone loss stats go down.
Mobile phone accidental damage is not covered by a number of insurance policies. There are some providers who do include it in their plans, but many don’t. So you need to check for this.
If you drop your phone accidentally, and the screen is shattered, it is not covered by the manufacturers waranty. The warranty is what covers you for things just stopping working – not damage.
So you need to make sure that with your mobile phone insurance you are covered for accidental damage especially if you are one of the 1000′s of people who do not carry their phone around in a leather case to protect it. One tumble from your pocket or bag, down to the ground can be enough to shatter the LCD display screen.
Strong cases of leatherr give sound protection. Or try a rubberized case which is slimmer. You can find out at any local phone shop.
Whether you have such a case or not, its going to take a beating along the line. It happens, its life. But you don’t need to have to pay for it when it happens. Accidental damage is something that you absolutely must and should have in your mobile phone insurance.
-> Water Damage
Water damage is massively common.
Ove 1.2 MILLION phones are killed by water every year – whether down the toilet, in a beer, in a puddle, in a lake… The different ways you can kill a phone with water is almos endless.
And the crazy thing is that a lot of phone insurance policies do not cover water damage. Water damage is going to be an essential part of your phone insurance.
Phone Stolen
1.3 MILLION mobile phones are stolen every year according to extensive research by Continental Research. According to Halifax research this figure is over 2 MILLION.
Phones are stolen every year – and the total cost is £390 million per year
* One mobile phone stolen every 12 seconds
* Over 2 million mobile phones are stolen every year
So you need cover against:
- Loss
- Accidental damage – including water damage
- Theft
So make sure you get your self covered with all these vital elements within your mobile phone insurance
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