subject: Mobile Phone Insurance – It's a Gift, Protect It! [print this page] Mobile Phone Insurance It's a Gift, Protect It!
When it is a time like Christmas or even an upcoming birthday, a great gift idea for our youngsters is a mobile phone. We can solve a number of parental and present problems in one go by choosing to give a mobile phone. In all the euphoria surrounding the actual purchase and presentation of the gift, how many of us actually think about protecting these presents by taking out and adding to the gift, mobile phone insurance?
Yes, I know, it all sounds very mundane and boring, but here are some sobering facts. Over 30 million people in the UK have a mobile phone. A large number of those will be teenagers. More than 30 per cent of robberies and muggings involve mobile phones. Moreover, 70 per cent of those muggings involve victims or offenders under the age of 17 and in some quarters it is seen as an extension of school bullying!
When you consider for a moment that for example, an Apple iPhone can cost as much as 500, it is hardly ant surprise that a young teenager, alone one the street, is seen as a target. Whilst we can not stop these things happening, we can at least take sensible precautions to lessen the blow and the trauma of a mugging and subsequent loss of a valuable possession.
Looking at the cost today of modern hi-tech mobile phones it make mobile phone insurance and even more attractive proposition when you consider that you can cover theft, loss and damage for example for as little as around 0.20 or even less in some cases. So, it makes sense that if you are contemplating buying a high value mobile phone for your nearest and dearest, you should also think about insurance cover.
It is a misconception to think that this will not happen to you or your family members as TV presenters Richard Madeley and Judy Finnigan found to their horror when their 19 year old daughter was mugged for her mobile phone whilst talking to someone near Ladbroke Grove Tube station in London a couple of years ago. She made it clear that she did not even see her attacker because whoever it was came up from behind her and snatched it, then ran away.
I have had a personal experience with a similar situation. At the time, my daughter was about 18 years old. She is about 5 foot two inches tall so looks a lot younger than she actually is. Near where we lived is a canal and a pedestrian bridge allows access to the main road and bus stop, thereby saving a long round trip of about 10 minutes. Despite my warnings, she came home one night and decided to take the short cut over the bridge.
She was confronted by a hooded male running the other way. As he passed, he snatched her phone away from her hand whilst she was using it, and ran off. She was obviously upset and I was angry. Mainly because she took the risk despite my warnings, and also because of the loss of a gift that I had only recently given her as an 18th present. Fortunately, I had the presence of mind to take the insurance when I bought it, so we got the phone replaced. OK, it does not change the trauma of being robbed, but at least we were able to replace the loss of the handset.
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