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Mobile Phone Insurance –Do I Need it?

One in three adults, and half of 18-24 year olds, admit to checking their phone in the night. From our social lives to our work, smartphones are considered an essential necessity for everyday living. No wonder the thought of losing our phone, or it breaking, is enough to bring many of us out in a cold sweat.

Mobile phone insurance can give you peace of mind that you’ll get reconnected quickly and are protected financially if the worst does happen – but do you really need it?

When should I consider taking out mobile phone insurance?

Not everyone needs mobile phone insurance. If you have a low-cost handset, on a pay-as-you-go tariff and have never lost or damaged your phone, it’s unlikely that the annual cost of insurance will be worth it.

On the other hand, it’s definitely worth considering mobile phone insurance if:

  • You rely on your phone for work or your social life and would need speedy replacement if it is lost or damaged
  • You’re locked into a contract and don’t want to have to continue paying the monthly tariff if you lose or damage the phone
  • Your phone is expensive and you could not easily afford to replace it if it is lost or damaged
  • You know you have a tendency to lose or damage things like your keys or your phone

Three signs you can’t live without your phone

  1. If you’re reading this on your phone, there’s sign number one!
  2. The first thing you do in the morning is check your phone to see what you’ve missed whilst you’re asleep
  3. The thought of a flat battery fills you with anxious dread

What does mobile phone insurance cover?

Different gadget insurance policies will offer different levels of protection, so always be clear that you are getting exactly what you need. Insurance can cover you for:

  • Loss
  • Damage
  • Theft
  • Break downs
  • The costs of unauthorised calls made after your phone has been stolen
  • Replacing data like music and games
  • Protection overseas as well as in the UK
  • Accessories

If getting reconnected as quickly as possible is important to you, opt for a policy that provides a rapid replacement service.

What is not covered by phone insurance?

To avoid getting a nasty shock when you make a claim, be clear from the start what exclusions, if any, there are on your policy. For example, some insurers won’t pay out if they consider that you have been careless when losing your phone, such as leaving it behind on a bus or at a restaurant.

Some policies won’t cover you for the cost of unauthorized calls made on your phone if it is stolen. And water damage is also excluded from some policies – a problem if you’re one of the millions who have watched a phone accidently slip down the loo! Always check with your insurer before taking out a policy to make sure that you have the level of protection you need.

Will I get a brand new replacement phone?

Some insurers may insist on repairing your phone, which means it could take longer for you to be reconnected. If that’s a problem for you, make sure you take out a policy that will give you a brand new replacement.

Is my mobile phone already covered on my home insurance?

Gadgets like your phone may be covered by your home insurance, so it is worth checking with your provider. In some cases your phone may only be covered for theft from your home or if it is damaged in a fire. If personal items are covered away from home, check if there is a single item limit. It’s also worth considering if the excess you will have to pay when you make a claim will leave you with only a few pence left in pocket. Because making a claim on your home insurance may increase your future premiums, many people prefer to keep it separate.

Shop around for the best deal

When you buy a new phone or take out a new contract it’s likely that insurance will also be offered to you. Check what you’re being sold meets your needs, such as including a rapid replacement service if that’s important to you.

The cheapest deal might not be the best value deal, so always shop around to compare quotes or call our friendly Easy2insure team on 0800 917 9522 to do the leg-work for you. We’ll explain your options to find you the right cover for your phone at the best possible price. Get in touch now.