When you buy mobile phone insurance you need to make sure that certain vital elements are included and covered. Here are the 3 essentials…

Mobile phone loss:

1.Every year, research has shown, over 6,000,000 phones are lost…

Why more? Because many insurance policies do not cover loss, so often people with those policies commit insurance fraud by claiming the phone was stolen in order to get a new phone from their insurance company. This decreases the phone loss figures andd raises the phone theft figures.

Mobile phone accidental damage is not covered by a number of insurance policies. There are some providers who do include it in their plans, but many don’t. Miss this and you will lose out.

If you drop your phone accidentally, and the screen is shattered, it is not covered by the manufacturers waranty. The warranty will only cover you for breakdown ie things going wrong for no particular reason, such as the screen just 'going dead' and stopping woking - not accidental damage.

So you need to make sure that with your mobile phone insurance you are covered for accidental damage especially if you are one of the 1000′s of people who do not carry their phone around in a leather case to protect it. One tumble from your pocket or bag, down to the ground can be enough to shatter the LCD display screen.

It is a good idea to use a leather case if you can, as they do offer a certain level of protection. They may make the phone a little bulky, particularly if you always put your phone in your pocket, but you can get slimline cases that do not have the bulky clip on the back. Ask at you local phone shop.

Your mobile phone will take a beating through normal everyday use. It happens, its life. But you don’t need to have to pay for it when it happens. With the right mobile phone insurance (that is not expensive), you can effectively protect against accidental damage.

-> Water Damage

Water is a huge killer of phones.

Ove 1.2 MILLION phones are killed by water every year – whether down the toilet, in a beer, in a puddle, in a lake… The list of possibilities goes on and on.

And the kicker is that many mobile phone insurance policies specifically do not cover water damage. You can see - water damage is going to be needed in your phone insurance.

Mobile Stolen

1.3 MILLION mobile phones are stolen every year according to extensive research by Continental Research. According to Halifax research this figure is over 2 MILLION.

Phones are stolen every year - and the total cost is £390 million per year

* One mobile phone stolen every 12 seconds

* Over 2 million mobile phones are stolen every year

So you need cover against:

  1. Loss
  2. Accidental damage – including water damage
  3. Theft

So make sure you get your self covered with all these vital elements within your mobile phone insurance

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