If you favor top of the line trendy models, or have children who do, mobile phone insurance could be a worthwhile investment. That doesn't mean, however, that you need to pay over the odds for it. There are many reasonably priced options for mobile phone insurance cover.
Why insure my mobile phone?
"I'm always careful", you might be thinking. "I won't leave it behind anywhere." According to last year's crime statistics, there are over 10,000 mobile phones stolen in the UK each month. Another 3,500 or so get left behind on buses and trains or in cafes, and an astounding 1,200 are dropped down toilets or knocked into sinks. In all, about 15,000 mobile phones are reported lost, stolen or damaged each and every month.
And the cost can put quite a dent in your budget. While you may have got your mobile free with your phone plan, the phone companies won't replace your mobile for free or for ?29.95. If you want to continue using your contract minutes - and you will be responsible for paying out the remainder of your contract - you'll need to fork out the full price for a replacement phone. In addition, you could be liable for any call charges if your mobile was used before it's loss is discovered. The cost of losing your mobile phone can easily top ?500. Have you got a spare ?500 sitting around?
Do I really need mobile phone insurance?
Perhaps not. Mobile phone insurance can cost you anywhere from ?25 to ?150 annually, depending on the insurance carrier that you choose. If you can reasonably replace your mobile phone for less than that, then mobile phone insurance is probably not a worthwhile expense for you. If you hae a replacement phone - perhaps left since your last upgrade - and your mobile provider still supports it, you may be fine without mobile insurance. In most cases, though, you'll find that it can be worth the expense - especially if you shop around for competitively priced mobile phone insurance.
Tips for getting the best value mobile phone insurance
1. Don't automatically accept mobile phone insurance when you buy your mobile. Those tend to be the priciest premiums of all.
2. If the salesperson or web site promises "Free Mobile Insurance" with all phones or with selected phones, be sure to check the details. In many cases, the cover is free for the first month. After the first month of cover, the regular premium will be tacked onto your mobile account charges, where you may not even realize you're paying it.
3. Speaking of not realizing - are you already covered? If you've had the phone a bit and are just now thinking of insuring it, check the itemized details for your last account statement to be sure you're not already paying for insurance.
4. Shop around the independent insurers. You can get economy cover for a mobile worth up to ?150 for as little as ?2.49 per month - less than half what most of the major insurers are charging.
5. Consider an increase to your home and contents cover if you have many electronic and mobile devices that you carry with you. You can extend your contents insurance to cover your mobile devices, including your phone, PDA, PSP and other electronics when you take them out of your home.
6. Got a family of mobiles? Nearly 80% of the phones reported stolen or lost belong to teens. If you're insuring more than one phone, look for a company that will cover multiple mobiles on one policy.
Mobile Phone Insurance Uk
The hegemony of Orange in the UK still continues to increase with the decrease in the cost of services, network and connectivity. Launched in April 1994 with a vision for a brighter future, where people can communicate whenever, wherever and however they wish; Orange has become the world's strongest and most recognized service providers. This fastest growing operator has provided its services to the Motorola mobile phone in the UK at the most subsidized prices. Undoubtedly, Motorola mobile phone is a combination of style, innovation and advanced features which can make communication trendier and flexible. With Orange network, Motorola mobile phone allows the users to witness the positive impact of technology on the society as a whole at the cost of minimal prices.
With the healthy growth of technology, the manufacturer has left no stone unturned in making Motorola mobile phone a unique handheld device in terms of design and technology. Motorola mobile phones have earned laurel in the market owing to their ultra sleek designs, flip-up opening mechanism and grandeur colour. As far as technology is concerned, Motorola mobile phone can discharge high resolution mega pixel camera, multimedia connectivity with the support of Bluetooth, USB, Infrared, GPRS and EDGE, and browsing with the support of WAP and XHTML. The multimedia connectivity and browsing features of Motorola mobile phone can release awe-inspiring services of mobile media at the cost of high service taxes. As a result, the ordinary users could not afford to pay the huge sum of money as the phone bills. Hence, Orange works as a machine to reduce the phone bills to a great extent with the support of the various which are allotted for the Motorola mobile phone users.
In the UK, keeping in mind the users? needs and requirements Orange network has provided some mind boggling services to the Motorola mobile phone at affordable prices. In order to access the services of Orange, the users of Motorola mobile phone need to enter in a contract with Orange for 12-18 months. Prior to the terms and conditions of the contract, Orange has offered some deals to the users of Motorola mobile phone like Pay As You Go, Pay Monthly Mobile Phone, Contract Mobile Phone and many more which would help them to reduce their phone bills at large. Apart from these deals, Orange has offered numerous additional offerings to the users of Motorola mobile phone like free mobile phone insurance, free mobile phone accessories, SIM free mobile phone, free upgrade of mobile phone and several value added services like free wallpapers, ring tones, video clips and so on. Precisely, with Orange network, Motorola mobile phone users in the UK get a complete mobile experience.
Online mobile phone shops and retailing sites in the UK have stored a large number of Motorola mobile phones which are affordable along with their accessories. Moreover, you can get all the deals of Orange at subsidized prices. So, without wasting a minute browse Internet and pick the benefit as soon as possible.
Both Simon Christopher & Gale Weathers are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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