Mobile phones have become an indispensable part of out lives, empowering us with the latest in telecommunications and entertainment. They are some of the most sophisticated devices in today’s world and most advanced phones come for a good amount of money. But owing to their high prices and their portability they have become increasingly vulnerable to theft. Not only this, most phones are also susceptible to damage as they are very compact and delicate. It is often very expensive to replace a lost or damaged handset and it can go as far as £400 for latest smart-phones. The best way to protect them is to get mobile phone insurance which will cover for the replacement of the devices in the event of their damage or theft.

It is very important to know whether your phone really needs the protection of a mobile phone insurance. Most PAYG phone users using cheap and affordable phones will find that it is better to find a cheap new deal than paying monthly premiums. The same might not be true for those who are using phones on contract. Often expensive handsets are made available through contract deals in very subsidised rates and replacing the phones could be a nuisance. Moreover one still has to keep paying the monthly charges even if he/she does not want the phones replaced. So it is always advisable to protect expensive phones on contracts with a suitable insurance cover.

Most companies that provide mobile phone insurance in the UK offer various protection plans that come for a monthly premium of as less as £2. Apart from theft, many phone insurance policies cover even malicious damage, theft, accidental damage and loss. Some network providers also offer their own emergency insurance on all standard phones. Typically charges are around £70/year for mobile insurance irrespective of handset value. However some providers might have different premium payments for expensive smart-phones. Orange that usually charges £70/year for standard phones charges £170 on smart-phones. It is always best to check out the best available options before getting the insurance cover. It is also necessary to compare them withf certain stand-alone covers from specialist online insurers.

It is important to ascertain if some other aspects of mobile phone insurance like overseas cover, quick replacement time, fraudulent calls cover and water damage cover are also included in the insurance plan that you might be interested in. Depending on what type of a protection you require for your mobile phones you can shortlist various deals. While most contract phones would certainly require a protection from fraudulent calls, not everyone will need an overseas cover.

By: Shan Polluk