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Mobile Phone Insurance: Seven Quick Facts

Author : Nancy Taylor

Mobile phone insurance provides coverage for the loss or damage of mobile phones. It is essential to get insurance for expensive new phones like iphones so that they can be replaced or their cost reimbursed in case of your loss. Following are seven facts related to mobile phone insurance:

1. Insurance cover for lost phones: Mobile phones are often misplaced by their users than destroyed. However, there are some greedy people who report the loss of their mobile phones in order to get a new one. Therefore, most insurance providers don't include loss of phone in their insurance packages. If you want coverage for loss of phone, then you may have to shell out some extra money.

2. Replacement for damaged mobile phones: It is hard to see your new expensive phone break down accidentally into pieces. Mobile phone insurance will save the day for you by replacing your broken phone with a new one or by reimbursing a sum that you can use to buy a new phone of equal value.

3. Insurance against thefts: Expensive mobile phone owners like those having the latest iphone models are often victims of thefts. Your mobile phone can be stolen by a professional thief or by a jealous colleague. Insurance against mobile phone thefts are suitable, especially for high-end phones.

4. Selecting an insurance provider: You must do mobile phone insurance comparison before finalising a particular insurance provider in order to get the best deal. It may be profitable to buy insurance for your mobile phone or iphone from an insurance company other than mobile phone dealers who are prone to charge excessively for mobile phone insurance. Do a bit of homework before you select the package and the insurance provider.

5. Selecting the right package: Though it is a myth that mobile phone insurance policies do not cover everything, it is true that an insurance provider cannot practically cover your phone for all types of damages. Most mobile and iphone insurance providers offer packages to their clients, which cover for accidental damages, theft, malfunctions, and loss. You'll need to select the insurance package that best suits your needs and your budget.

6. When insurance goes waste: People who are extremely cautious about their mobile phones may have to watch their investment go waste. Also because mobile phone technology changes very fast and your phone may become outdated very soon so that you may feel like buying a new one. However, it would be foolish to damage your perfectly working phone just to get full value out of your mobile phone insurance.

7. Importance of buying mobile phone insurance: Those who are averse to insurance usually argue that nothing can happen to their mobile phones; so they don't need insurance. This is a common argument that they'll provide if they have to get any of their valuables insured. However, insurance is a necessary evil as it helps you in times of crisis by replacing your broken or stolen mobile phone or by providing you with the sum required to buy a mobile phone with the same specifications.

Author's Resource Box

Nancy Taylor has years of experience in dealing with >mobile phone insurance. She provides regular expert advice related to iphone insurance through her articles.

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Tags:   mobile phone insurance, mobile phone insurance comparison, iphone insurance

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Submitted : 2011-08-10    Word Count : 535    Times Viewed: 1179