Do I need mobile phone insurance

August 13th, 2012

Question: Do I need mobile phone insurance?

Answer: Although mobile phones are often free with a contract, if you have to replace your mobile phone due to loss or damage it can cost anywhere from £150 and £500 depending on the model. So consider this if you believe you are likely to lose or damage your phone and you cannot afford to replace it yourself, you may wish to consider insurance. Also if you have contents insurance give them a call it could end up being covered under an existing policy.

Mobile phone insurance

Mobile phone coverage is available from most providers and costs around £6 per month and in some cases insurance covers extended warranty and replacement phone in cases of theft or loss. All are subject to their own terms, conditions and exclusions so ensure you read these before you take out the policy.

Never be pressured to take out mobile phone insurance when you take up a new phone. Check your existing policies and shop around first as you can always take insurance out later through Your Account.

sim card insurance

Also gadget insurance cover?

Gadget insurance covers almost all gadgets as well as handheld devices. Just a quick list of gadgets you could cover today:

  • Mobile phones
  • Laptops
  • Digital cameras
  • Tablets
  • Games consoles
  • MP3/MP4 players
  • e-readers
  • SatNav
  • Digital recorders
  • Smartwatch

Always Check the terms and conditions

Its one thing getting a mobile phone or any type of insurance. But read the terms and conditions or you may not get paid out. While we think the providers and policies offer good choices for smartphone insurance. Always check the terms and conditions and any small print before taking out a policy. Because it depends on your personal situation or preferences. For example, your phone might only cover from car theft if the car unlocked and phone in the glove box. Or your phone is under 6 months old.

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