Phone insurance fraud is what some people commit when they make bogus claims against their phone insurance.

This is completely illegal and something that the Police are actively against.

It often happens like this…

The person loses their phone or drops in it water…

They then go to their phone insurance policy Terms and realise that they are not covered for loss or theft…

They realise they are covered for theft (pretty much every phone insurance policy covers theft).

So they say their phone was stolen.

This is totally illegal and could well land them with a massive fine if not a jail sentence.

This is why you wnat to make sure your phone insurance does have loss and water damage and anything else that you think is important to you as part of your phone insurance

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