Mobile phone insurance is ideal for mobile phones – which by their very nature are portable and easily damaged while on the move.

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

Mobile phones are prone to being stolen – it is just an unfortuante fact of life.

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

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

Imagine if you owned a very expensive mobile phone or maybe you already do, and something happened that meant you needed to make a split second decision regarding saving your prized possession.

It could be anything such as your phone falling into a pond or river or down a drain. It can even be something as bad as a mugger trying to steal your phone. Whatever it is, it’s easy to understand how on the spur of the moment, you need to make a split second decision about what to do next.

Do you jump into the pond or river to try and save your phone? Do you try and squeeze down the the drain to retrieve your expensive item and do you refuse to hand over your expensive mobile phone to the mugger? All of these problems faces owners of expensive mobile phones each day and in particular the the theft of mobile phones is the number one crime in the UK.

It’s obvious that taking the wrong course of action could endanger your life. However when a split second decision is required we do not always make the right choice. The cost of replacing such an expensive item flashes into our minds and clouds our decision-making. We then find ourselves more willing than necessary to risk our lives for the sake of a few hundred pounds.

Imagine now, that we have backed up all the important data such as contacts etc. from the Iphone and have purchased a good insurance which covers loss or damage and theft. Now, when faced with any of the above situations, the first priority will not be the cost of having to replaces the item, because you will immediately think its not worth risking my life over it as I have insurance. Insuring your expensive Iphone really makes perfect sense.
Phone Insurance

It’s not until you become the unfortunate victim of a mobile phone loss, theft or breakage that you begin to realise one of two things. Either just how important it was that you insured your phone, or you realise just how stupid you are that you didn’t insure your phone.
At the time you buy your phone, the retailer will almost certainly try to sell you an insurance. There are two problems with this. First of all, you will be so interested in the features of your new phone and getting it home to have it up and running that purchasing insurance is an inconvenience.

The second and main problem is that getting your phone insured at the place you buy your phone is probably going to be quite a bit more expensive (and cover you for quite a bit less) than a specialist online insurance.
Over one and a half million phones are lost or stolen every year. In particular, the iPhone is such a great target for theives. The fact that its a superb phone packed with the latest technology makes it very desirable.

But it’s equally desirable to criminals, so if you own such a phone, getting it insured against these risks should be a priority.
Make sure the policy covers you for loss, theft and damage as a minimum.
In addition, better policies should cover you against water damage, the cost of any fraudulent calls made from your phone after being stolen, as well as cover for all of the above when travelling abroad.