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Now you have obtained a new mobile phone and dedicated yourself for the following 18 to 24 months to your mobile phone network, you will probably want to get some insurance in place to cover your new investment. As you possibly are aware, your mobile phone was simply given to you free of charge by your dealer, as you have assured them with an agreement of your business for the term of your contract. That is a guaranteed income source for them for the next 24 months.
As you have promised them of guaranteed income for the following months, they are more than pleased to give you a free mobile phone, to compensate your custom, as well as to draw you to the deal in the first place.
But where would you stand if you misplaced your new phone? Well basically, you would have to bear the replacement bill, except, you had some suitable mobile phone insurance ready for your phone. The substitution cost of phones will differ from brand and model, but a rule of thumb price would be around the 300 GBP scale, with the latest iPhone being in the higher price category of around 650 GBP.
There are several familiar methods you can employ to protect your phone, let's look at them briefly, one by one.
When you take out your new phone deal, you will quite defiantly be offered mobile phone insurance by your seller or network provider, normally for an additional monthly charge of around 9 GBP to 16 GBP, depending on the connection and the make and style of the phone. This normally seems to be the highest price insurance cover that will be available to you.
Secondly, you could include your mobile phone to your home contents insurance policy, as a lot of policies allow you to add individual personal belongings of value. This can sometimes be very good value for money, as you may not be charged any further fee. Care should be taken though, as you will probably understand in the event of a claim being made, the complete claim process could take many weeks to get settled. It would also be sensible to know the extra fee you would have to pay with this method, as it could be set pretty high.
Finally, a very popular option at the moment is using a private insurance company, who is not attached with the phone network or retailer to offer you with insurance cover. This is referred to as standalone insurance and is commonly seen on the internet for around half the fee the retailer or network provider would charge.
In general, it could well be good practice to research on mobile phone insurance before you buy your new mobile, thus, allowing you to have pre selected the best insurance product for you, before you purchase your new mobile phone.
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