When you lose your phone it is a horrible experience

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’s good news and there’s bad news…

The bad news is that there has been an unusually high amount of fraudulent insurance claims (completely illegal and an imprisonable offense) with our iPhone insurance (a subsection of our overall mobile phone insurance)

Thats bad news for us because it obviously costs us a lot – and potentially bad news for the criminals who try it on because if found out they will face prosecution and jail sentences.

But it is also maybe bad news in a way for other legitimate customers…

Because of this higher fraud rate specifically and far more so with iPhone insurance we have had to change the iPhone insurance policy itself with regards to the loss cover.

To clarify – these loss cover changes are only for iPhones – not for other mobile phones wanting phone insurance

 So now, for iPhones only, the loss cover has had to be removed.

This is not the end of the world, because the rest of the policy is a very strong policy and strong enough to stand on its own.

 The point to remember with the iPhone insurance is this:

The cover we offer is first rate and at the same time is the lowest price available.   If you absolutely must have loss cover then the O2 policy with loss cover is £10 a month – compared to our £4.41 for iPhone 3G phones or £5.99 for iPhone 3G-S phones – so you can see their O2 policy is far more expensive.

In addition, outside of just the iPhone, for all mobile phone insurance policies, the monthly payment policy is to be removed…

THE GOOD NEWS…

The old monthly policies will be replaced with a DISCOUNTED annual policy.

You will get 3 MONTHS FREE on a yearly policy.

Instead of paying the full 12 months, you only pay for 9 months phone insurance premium and get the remaining 3 months FREE.

More details to follow

Everyone drinks every day - whether it is alcoholic or purely refreshment.

Everyone needs to use the toilet every day.

Most people – at least in the UK – use a washing machine  to wash their clothes.

And these 3 liquid environments account for the biggest part of ALL mobile phone water damage.

In fact, over 1.2 MILLION phones are killed by water damage every year.

So every day, every phone user is at risk from water damage.

One of our management team only this last week killed his phone by inadvertently dropping it in his kid’s bath without realising.

And it was dead, dead, dead within minutes.

And yes, he did claim through his mobile phone insurance - and had a new mobile phone within 48 hours.

The reality is, water or some form of liquid is all around us every day, everywhere we go.  Tea, coffee, water, beer, wine, the sea, the bath, the pool, a puddle…

The list is almost endless.

And ALL could kill your mobile phone.

This is why water damage is actually a far bigger killer of phones than most people realise.  With most (other) mobile phone insurance policies, water damage is not covered, so when those customers who are not covered for water damage drop their phone down the loo, some of them will claim their phone was “stolen” in order to use their insurance to get a new phone.

This is insurance fraud, completely illegal but it does happen.  It is a known crime particularly with the Metropolitan Police.  And this is why the phone theft crime figures are higher than they really should be – and why phone water damage figures are lower than they should be.

So the only sensible thing to do is make sure you have water damage cover within your mobile phone insurance

Mobile Phone Insurance News is here!

Our mission is to make sure you know everything you need to know to buy your mobile phone insurance.

The thing is, there are a few hidden hurdles and things you should know before you buy your phone insurance.

So we are here to help you achieve exactly this.

For example, did you know that many (other) phone insurance policies do not cover you for loss – ie if you lose your phone you will have to pay to replace it. Yet over 1.6 MILLION phones are lost every year!

This is why you need to make sure you are covered for loss.

Read on for more mobile phone insurance news