subject: The Smart Guide to Smart Phone Insurance [print this page] You have just bought yourself the latest mobile phone and it is singing and dancing with technology and then the thought creeps in what if I drop it, or if someone steals it, or it falls down the toilet'? Fear not, that is where mobile phone insurance comes in.
There are many out there offering insurance, however it is not always advisable to go for the cheapest mobile phone insurance quote, you may think tish tosh, but in reality, its not the price that should sway you, but what the policy covers and your terms and conditions.
Always make sure your insurer covers for water damage, as it may surprise some of you that your phone may still work after it has been submerged, but a few weeks later as the corrosion begins, you will notice strange things happening and then finally your new phone gives up. Always tell your insurer when anything happens to your phone, but check your policy as there maybe a clause in there about notifying to late after the incident. Better to be safe than sorry.
It's imperative that you insure for mishaps, obviously you have to take sensible care of your phone but there are times when no amount of due care and attention can prevent an accident waiting to happen. For instance consider, walking along and you trip over a loose paving slab, you fall and your mobile flies out of your hand and into the road and gets run over by a passing bus. This could be considered unlucky, but thankfully you've taken out mobile phone insurance that covers for accidents and you can replace it, better your phone than you under that bus.
Also make sure you get covered for airtime abuse, as if your phone gets stolen by some unscrupulous type, you don't want to be faced with an astronomical bill because the thief decided to phone their friends who are spread across the world on holiday or wanted to phone up and find out their horoscope at 5.00 per minute.
There are of course factors that none of us like, such as the excess part of a policy, however these details should always be outlined by your insurers on the policy documents, make sure you are happy with them, because as soon as you are covered these are what you are bound by should you need to make a claim. Always ensure that you do read the policy, this is of course the small print and should never be ignored; also never assume you have been covered for something, unless it says so in the document.
When considering an insurer, make sure you can contact them by phone, ensure they have a dedicated team when dealing with your custom, this in itself shows they are professional and capable of advising and helping you. Giving you confidence you have chosen the right mobile phone insurance provider.
The Smart Guide to Smart Phone Insurance
By: Emily Watkins
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