Mobile phone insurance cover - Key Cover points

Key factors that you want your mobile phone insurance company to cover for.

There are loads of mobile phone insurance companies that grab your attention with low costs … then you later find out that they cover you for so little it is almost not worth the paper it is written on. A typical example of this is Loss cover – most companies do not cover for loss despite the fact this is one of the top 2 reasons for needing insurance in the first place!

In the high street shop we used to run (we are now 100% on the internet), we used to offer customers a certain insurance company’s policy (they begin with a C and a U …). We would offer this as a 3 months free deal to go with their new phone. The customer then started paying from month 4 onwards. Months later, we would get our customers coming back to use, really angry, saying that they had been paying the insurance for X months, and that when they eventually lost their mobile phone and tried to make a claim, they were refused the insurance claim … because they were not covered for Loss!

As an aside to this ‘loss’ cover, it has been a documented case that many people were committing insurance fraud. Knowing that they were not covered for loss, when they did lose their phone, they went to the police and said their phone had been stolen or they had been mugged. This wastes police time, and the Metropolitan Police recently said they were clamping down on such insurance crime fraud, and looking closely at every reported phone theft.

So it is vital that you make sure you get the protection you need from your mobile insurance.

The key elements to consider when you are looking at mobile phone insurance are …
* Loss
* Mobile phone theft
* Mobile phone loss
* Fraudulent calls
* International cover
* Extended Warrantee
* Accidental damage

These need looking into in detail so the next articles will each look at the pro’s and con’s of each element you need to consider before you go purchasing your mobile phone insurance.