Tips For Buying Mobile Phone Insurance

Do you really need mobile phone insurance? Thereplacement phone - perhaps left since your last
answer depends, of course, on a number of differentupgrade - and your mobile provider still supports it, you
factors including which mobile you have and how likelymay be fine without mobile insurance. In most cases,
you are to lose or damage your mobile - not tothough, you'll find that it can be worth the expense -
mention how many mobiles you're talking about. If youespecially if you shop around for competitively priced
favor top of the line trendy models, or have childrenmobile phone insurance. Tips for getting the best value
who do, mobile phone insurance could be a worthwhilemobile phone insurance 1. Don't automatically accept
investment. That doesn't mean, however, that youmobile phone insurance when you buy your mobile.
need to pay over the odds for it. There are manyThose tend to be the priciest premiums of all. 2. If the
reasonably priced options for mobile phone insurancesalesperson or web site promises "Free Mobile
cover. Why insure my mobile phone? "I'm alwaysInsurance" with all phones or with selected phones, be
careful", you might be thinking. "I won't leave it behindsure to check the details. In many cases, the cover is
anywhere." According to last year's crime statistics,free for the first month. After the first month of cover,
there are over 10,000 mobile phones stolen in the UKthe regular premium will be tacked onto your mobile
each month. Another 3,500 or so get left behind onaccount charges, where you may not even realize
buses and trains or in cafes, and an astounding 1,200you're paying it. 3. Speaking of not realizing - are you
are dropped down toilets or knocked into sinks. In all,already covered? If you've had the phone a bit and
about 15,000 mobile phones are reported lost, stolen orare just now thinking of insuring it, check the itemized
damaged each and every month. And the cost candetails for your last account statement to be sure
put quite a dent in your budget. While you may haveyou're not already paying for insurance. 4. Shop around
got your mobile free with your phone plan, the phonethe independent insurers. You can get economy cover
companies won't replace your mobile for free or forfor a mobile worth up to £150 for as little as
£29.95. If you want to continue using your£2.49 per month - less than half what most of
contract minutes - and you will be responsible forthe major insurers are charging. 5. Consider an
paying out the remainder of your contract - you'll needincrease to your home and contents cover if you have
to fork out the full price for a replacement phone. Inmany electronic and mobile devices that you carry
addition, you could be liable for any call charges if yourwith you. You can extend your contents insurance to
mobile was used before it's loss is discovered. Thecover your mobile devices, including your phone, PDA,
cost of losing your mobile phone can easily topPSP and other electronics when you take them out of
£500. Have you got a spare £500 sittingyour home. 6. Got a family of mobiles? Nearly 80% of
around? Do I really need mobile phone insurance?the phones reported stolen or lost belong to teens. If
Perhaps not. Mobile phone insurance can cost youyou're insuring more than one phone, look for a
anywhere from £25 to £150 annually,company that will cover multiple mobiles on one policy.
depending on the insurance carrier that you choose. IfDon't waste time and money searching for the
you can reasonably replace your mobile phone for lesscheapest mobile phone insurance companies, visit for a
than that, then mobile phone insurance is probably notdirectory of insurers and customer reviews.
a worthwhile expense for you. If you hae a