Mobile Phone Insurance Companies

If you are looking for Mobile Phone Insurance Companies, you come to the right place! Now let's be smart and lets save your mobile phone!



It is important to get your mobile phone insurance, why ? Just in case you lost them or its damaged, you can easily claim it to the insurance company. But again, lets be smart this time, we all know insurance can be hard and its pretty hard to get a best insurance companies, specially for mobile phone insurance companies.
This means it's a one-price fits all solution, and as we're all tarred with the same brush:

Those people who never lose or damage their phones subsidise the costs for serial phone losers.

This simple fact dictates whether it's worth getting a policy or not.

You know you better than the insurers do

The most important question to ask yourself is am I a loser? What's the realistic risk that you'll damage or lose your phone? By being aware of this, you can play the system and win. If you've a ten year 'no problems' streak, or keep your handset rigidly clipped to your belt buckle, paying a whack for robust insurance is likely to be a waste.

Personally, while I'm good with money, I'm scatterbrained with keys and phones and have had more than ten phones lost, broken or nicked in the last eight years. As I know I'm a loser, insurance is a good bet for me, as it costs less than repeatedly paying for a new phone.

Picking the right solution...

This depends on the cost and type of deal you've got...

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      Are you a Pay-As-You-Go user?

      With PAYG phones the downside risk is limited, as once your credit has been used no more fradulent calls can be made and you'll simply need to buy a new handset. Thus unless it's a super-flash loadsamoney job, insurance is probably overkill. Best options: Read the Self Insurance and using Home Insurance sections.
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      Are you a mobile phone loser?

      If you've got a contract mobile phone, and are quite likely to lose or damage it, then insurance is usually worth it. As even if you didn't want to replace the phone you'd still need to pay the monthly fee until the contract ends if you lost it. Best options: Read the Cheapest mobile policies section and also see the using Home Insurance section.
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      Is your mobile usually in safe hands?

      If you're a contract mobile phone user who is unlikely to lose or damage your mobile, then paying for comprehensive cover is probably overkill. After all, even if you do lose your phone once, the cost of replacing it's probably less than a few years' insurance. Even so, there are some ways to off-set the risk. Best options: Consider Self Insurance and take a look at Home Insurance cover.