One thing to be aware with this is the law in less than clear on how soon they must fix it.  They might take a month.   That is a long time to be without your mobile phone.

So a mobile phone insurance policy such as ours with 48 hour claim handling is a major advantage over this potential delay.

Also after the first 12 months the statutory manufacturers warranty ceases.  After then if anything goes wrong then you are on your own…

Unless you have a phone insurance like ours which includes Extended Warranty cover

Just another reason to get your phone insurance

You might drop it out of your pocket – it might fall from your car door – it might spill out from the train as you get off – or any other possible way to damage it.

You might even drop it down the toilet!

ANy which way, you need to make sure you are covered for the very likely event of damaging your phone accidentally while going about your normal life.

This is just another reason you need to get protected now with mobile phone insurance

Let’s be honest – we all have busy lives.  Yes things are likely to get stolen and damaged along the way – but phones are also very likely to get lost – wen we genuinely just have no idea where it is.

That is when a mobile phone insurance policy with loss cover included is going to be very helpful to you.

So when you order your mobile insurance policy – make sure you have a loss cover within yours.

And yes, loss is included within our mobile phone insurance

But you need to think through the details of what, when and how you want to be covered.

Like what about when you are on holiday?

Most people take their mobile phone with them on holiday to stay in touch with back home.

The trouble is you are just as likely to have your phone lost stolen or damaged – in fact potentially *more* likely…

When you go abroad you may be at a higher risk of losing you phone while you enjoy your trip away.  You may be at a higher risk of it being stolen – maybe from your hotel or from your luggage.  And it might well be damaged – have you ever seen how the baggage handlers actually handle your suitcases?

We offer international cover – whether you are away for business or pleasure – for up to 60 days in any 12 month period.

So make sure you get yourself covered and protected with a solid mobile phone insurance

Mobile phone theft is rife and is on the increase.  1.3 MILLION mobile phones are stolen each and every year according to research by Continental Research. The figure may be higher - according to Halifax research this figure is over 2 MILLION.

28% of ALL robberies now involve a mobile phone – this is up from the previous statistic of only 8%.  So mobile phone theft is a reality.

For this reason obviously it is a wise move to get mobile phone insurance. 

Mobile phone theft is one of those things that you can and should minimise with sensible use such as not leaving it on display anywhere – whether in a bar, pub, restaurant or in your car – a thief can reach into your car if you are stopped eg at a traffic light.

So get covered with phone insurance

Ours does.  Whether you protect yourself with us at Mobile Phone Insurance UK or with some other provider, make sure you have mobile phone insurance Extended Warranty.

What this means is that you are covered if something just goes wrong with your mobile phone. Not because you dropped it, not because it got smashed or fell into your pint – but it simply stopped working due to no external factors. Maybe the screen just stopped working.  Maybe the keypad went crazy. It happens.

In this event there are a few possible outcomes. All products sold in the UK are covered by a manufacturers warranty.  This means the manufacturer has the responsibility to make sure their products work – for a period of 12 months.  After that you’re on your own.

Even within that 12 months period, chasing down the manufacturer to get them to repair your phone or to send you a new one can be a tricky issue. For this reason phone insurance can help a lot as the experts can then sort the problem for you so you don’t need to worry about it.

So if your phone if older than 12 months and we already insure you then you are covered for these things just going wrong because our insurance does include an extended warranty section. Note we cannot start to insure you if your phone is older than 6 months. However, once you are insured with us, you are then covered for these extended warranty elements – whether your phone is less than 12 months old and would then otherwise be covered by the manufacturers warranty (you would probably want to get us to sort it for you as this is a LOT easier) – or if your phone is older than 12 months and not covered by the manufacturers warranty – then you simply make you mobile phone insurance claim and we sort it for you.

This is why you need to make sure you order today for your mobile phone insurance

Like when you have just dropped your phone in the washing up bowl…

Like when you dropped it down the toilet…

Like when you dropped in in a puddle

Or even when it got rained on!

An old friend of ours had her phone fried (dead) when she was cycling with her phone in her bag and it started to rain heavily.  We could not salvage the phone and it had to be thrown.

Only mobile phone insurance would have helped her get a new replacement phone without her having to pay the full price (usually a few hundred pounds) to get a new mobile phone.

That creeping feeling as your eyes widen as you suddenly realise you have lost your phone.

Where were you when you last had your mobile phone?

Where did you last see it?

The reality is that if you really just do not know where your phone is, it is quite an isolating and lonely experience because you suddenly feel a bit vulnerable, maybe you feel like you going a bit mad.

Don’t worry – it happens to the best of us.

And when you do inevitably lose your mobile phone you do not want to then be in the even worse situation of having to pay the full purchase price of usually many hundreds of pounds to buy a replacement mobile phone.

This is what mobile phone insurance is for.

Be aware that not all phone insurance policies cover loss. Our’s does.

Top Tip

Here is a great piece of advice to avoid losing your phone. Get into the habit of always keeping your phone in the same pocket wherever you go, no matter what you’re wearing. This will train your brain to always expect that little bump in your pocket – and your brain will then tell you – from the back of you mind “hang on, something’s not quite right” and you will quickly realise that your phone is not in your pocket and can hen quickly go back and get it

Everyone we know who has religiously got into this habit has saved themselves from losing their phone on many occasions.

So use this tip to avoid losing your phone – and make sure you have a loss-cover mobile phone insurance just in case.

There are plenty of people who have bent their ethics and scruples for the sake of a new phone and now potentially face jail.  Police are taking this very seriously as well.

Hartlepool Police recently issued a warning to anyone considering commiting phone insurance fraud that they will face investigation and potential prosecution and jail.

Phone insurance companies like Mobile Phone Insurance UK have all said they are finding more ’suspicious’ claims than in previous years.

A key part of this is attributed to the credit crunch.  With money being stretched people are trying to find ways – even illegal ways – to make their money go futher.

The unfortunate thing is it could take you all the way to the inside of a nasty prison sentence.

The Metropolitan Police are rigorous on falsely claiming a phone as stolen when it was not.  Phone theft claims and stories are checked if corroborated by CCTV footage across London.  Similar situations are going on in most cities.

As well as the opportunistic insurance fraudsters we have also seen a growth in what can be analysed as calculated and premeditated insurance fraud.  That is, that the purchase of original phone insurance policy was with the intend to defraud the insurer.

Frankly it is not worth it.

Not only is it completely immoral and illegal it just plain is not worth the downside. 

Detective inspector Keith Groves of Hartlepool Police told the Hartlepool Mail: “We are aware that some mobile phone thefts are false allegations for mobile phone insurance claims.” However, he warned: “People think by falsifying a story they can receive a free upgrade or a new phone but it wastes police time and it is against the law. Recorded crime is fairly low at the moment and it is allowing us to take more time pursuing these false mobile phone insurance claims.”

Think about your credit rating.  Information is made available in between insurance companies, and with credit scoring agencies.  What do you think is likely to happen to your chances of getting a mortgage again next time if you have had a ’suspicious’ insurance claim, which for insurance companies and risk assessing agencies will read as ‘probable insurance fraud’.  That is what these phone insurance fraud criminals need to think about – the bigger picture.

It is an unfortunate reality of human nature that ethics and morals are negotiable in times of financial trouble.

Such is life.  Lets hope with the improving ecnomic climate, as we climb out of this credit crunch, that we see improvements in phone insurance fraud