Insurance Tips

A Concise Guide to Mobile Phone Insurance

We are very much convinced about the need to insure our life, home, car, health, business etc., but when it comes to insuring our mobile phones we display an indisposed attitude. In this modern world where mobile phones play vital roles in our lives, mobile phone insurance is of great significance. We realize how helpless we are when our phone, where we store all the important contacts and information, is lost, damaged or stolen. This pricey gadget of communication and entertainment is equivalent to a handheld computer and there is no wonder it has become one of the darling items of robbery across the globe. It is expected from any sensible mobile phone user to insure his/her mobile phone to protect it against theft and other misfortunes.

What is covered in a phone Insurance?

There are a variety of mobile insurance policies available in the market. It is important to buy the fitting phone insurance to get the maximum advantage. Most of the insurance policies provide cover against fire, water and accidental damage, unintentional damage, theft and fraudulent calls. Damage caused by neglect and intentional damage will obviously be not covered under mobile insurance. In case your phone is lost during war, nuclear hazards, etc. you cannot claim insurance. Mobile phone insurance will not offer you with coverage against lack of contact info, private videos saved in your cell phone etc. The insurance company will replace the lost or damaged piece a brand new piece without any additional financial burden imposed on you.

Tips to choose the right mobile phone insurance

You can get mobile insurance either from your network dealer or numerous independent insurance providers. At the time of purchasing mobile phone you can join into appropriate insurance policy with the help of the dealer. In case of any bad luck with your phone you can approach this distributor to claim insurance. It is apparent that you should produce proof of payment to make procedure hassle-free. There are chances that when you get phone insurance from the dealers you may have to pay the priciest premiums.

Try to choose the best insurance policy if you choose to buy it from insurance companies. Search online to get the best quotes and see that there are no hidden charges. Always check the affordability and feasibility aspects of the insurance package that you are finalizing on. Clarify all the conditions and terms before signing up the insurance paper. It will be advantageous if you choose an insurance company that will cover multiple mobiles on single policy.

You should also have clear idea about what all features are covered under the mobile phone insurance package. For instance if you want to cover repairing cost due to some trouble regarding software application, you need to ask the insurer. You also need to enquire whether the replacement phone will be a brand new one or reimbursed one and whether the charges incurred for a lost or stolen phone will have to be paid by you or not etc.

Since we cannot survive without our much loved technological devices especially mobile, it is better to opt for good comprehensive mobile insurance.

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