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If you've ever lost a mobile phone or had it stolen, you'll know how important mobile phone insurance is. But if you've been lucky so far, and you're as busy as most of us, you could easily let buying mobile phone insurance slip to the bottom of your to-do list. Maybe you think it's not worth the extra money – and let's face it, the cost can be considerable, with premiums as high as $199 a year for an iPhone. If you shop around, though, you can find cheaper deals.
Mobile phone insurance is probably not worth getting if your handset is old or didn't cost much to start with. But it's a good idea to get mobile phone insurance if:
Basically, if your phone is lost, stolen or broken, you will be covered. But coverage varies widely.
Check the fine print carefully to see what's included in your insurance – and what's not (the exclusions). Some mobile phone insurance policies will cover you for water damage, so if you drop your phone down the toilet you'll be OK.
Others will see this as 'not taking reasonable care', so you'll have to cover the costs yourself. Carelessness is often a reason for not having your phone replaced; so avoid carrying your phone in your back pocket in a busy pub.
Some policies include cover for accidental damage, unauthorised calls, protection when you're travelling, and valuable content like apps, games and music. If you can't be without your phone for long, make sure you choose a policy that includes a rapid replacement service.
Before you make a decision, check out these alternative options:
Hopefully, this article will have helped you get clear on whether you need mobile phone insurance, and how to make an informed decision when shopping around for cover.
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