Mobile phone insurance should come with Extended Warranty.

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

Mobile phone insurance fraud is up.  No question.  The figures inside every insurance company speak volumes.

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

The mobile phone insurance market is consolidating.  Because of an unfortunately high fraud rate (and yes, fraud is completely illegal and a jailable offense but some idiots still figure they will get away with it – it just takes a lot of administration to filter it) the market is being hit.  Particularly with iPhone insurance – most likely because the fraudsters see this as a high value phone that the insurance claim can pay out and get them a free one.

It is unfortunate because the knock-on effects are that mobile phone insuranc prices are likely to rise because of this.

All that said, outside of the iPhones, the mobile phone insurance policy itself continues to be very popular with genuine customers who simple want to insure their mobile phone and get it covered and protected.

We’ll see what the future holds for policy changes.  The market may move towards more annual polices with discounts rather than monthly payments for the phone insurance