subject: Claiming On Your Mobile Insurance [print this page] Claiming on a mobile phone insurance policy can seem intimidating. Having to go through all that trouble and bureaucracy after your phone was broken, lost or stolen might seem like something you wouldnt want to do, or you might not even be sure how to claim on your mobile phone insurance in the first place. Dont worry. Here are some simple tips and pointers that can help you if youre not sure how to claim on your mobile phone cover.
If your phone was damaged or lost due to a criminal act, you should alert the police immediately before you contact your mobile phone insurance provider. Mobiles are increasingly popular targets for thieves because they are small, light and very valuable. Your phone might have been stolen to sell on the black market. If you do contact the police to report the theft, try and get some form of report or documentation that you can then show to your insurance provider.
Before you formally file your claim, make sure that your policy will actually pay out. Check your insurance papers, or contact your mobile phone insurance provider and ask. Your policy might not pay out under certain circumstances, such as if the phone was lost or stolen while out of the country. Its best to be sure of the details before you actually go through with filing a claim on your mobile phone insurance.
In order to claim your mobile phone insurance, you will have to get in touch with the company that provides your mobile phone cover. This might be the phone manufacturer, your service provider, the retailer you purchased your handset from or a third party insurance specialist. Most insurance providers will let you file a claim over the phone or online.
When you contact your mobile phone insurance provider, you will have to answer quite a few questions and a lot of information to the provider. This is normal, but it can take a while. The more information you can give them the better, as they can give you the help you need. For this reason, it is very useful to the insurer if you can get all your phones paperwork and documentation together before you get in contact. Your mobile phone insurance papers will include some advice and contact details for who you can talk to.
Once you have given your provider all your details and information, they will ask you to wait while the claim processes. This might be a few days to a few weeks. Waiting might be difficult, but you should hear back from your insurance provider as your claim progresses. Once your claim is processed, you will receive some form of contact from your insurance provider telling you if your claim has or has not been accepted. If your mobile phone cover does pay out, you will receive some money to put towards replacing or repairing your phone.
Remember that your mobile phone insurance provider is there to help you. If you think you might need to make a claim, or just want to double-check the terms of your mobile phone cover then just get in touch.
by: DaveWilliams
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