What Type Of Cell Phone Insurance Plan Is Offering Me Best Value For Money?
Now you have purchased a new mobile phone and committed yourself for the next 18 to 24 months to your mobile phone network, you will probably want to obtain some insurance in place to cover your new device. As you possibly know, your mobile phone was only given to you free by your retailer, as you have promised them with an agreement of your business for the tenure of your contract. That is a guaranteed income source for them for the following 24 months.
As you have promised them of guaranteed income over the coming months, they are more than happy to give you a free mobile phone, to reward your custom, as well as to attract you to the deal in the first place.
But where would you be if you misplaced your new phone? Well essentially, you would have to bear the replacement bill, unless, you had some valid mobile phone insurance in place for your phone. The replacement cost of phones will vary from brand and version, but a rule of thumb price would be around the 300 GBP scale, with the hottest iPhone being in the higher price category of around 650 GBP.
There are several common methods you can use to protect your phone, let's go over them quickly, one by one.
When you take out your new phone contract, you will quite defiantly be provided mobile phone insurance by your seller or network provider, usually for an additional monthly charge of around 9 GBP to 16 GBP, depending on the network and the make and model of the phone. This normally tends to be the highest price insurance option that will be available to you.
Secondly, you could add your mobile phone to your home contents insurance policy, as a lot of policies let you to add individual personal belongings of value. This can sometimes be very much worth, as you may not be charged any further fee. Caution should be taken though, as you will probably find in the event of a claim being made, the whole claim process could take many weeks to get resolved. It would also be wise to know the extra fee you would have to pay with this scheme, as it could be set pretty high.
Finally, a very common option at the moment is using a private insurance company, who is not connected with the phone network or retailer to provide you with insurance cover. This is known as standalone insurance and is commonly found on the internet for around half the price the retailer or network provider would charge.
In general, it could well be good attempt to research on mobile phone insurance before you buy your new mobile, thus, allowing you to choose in advance the best insurance product for you, before you purchase your new mobile phone.
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