Mobile Phone Insurance, Can You Afford To Live Without It?
When you sign up for a new mobile phone contract, many companies now include a mobile phone insurance policy as part of the deal, and this typically costs around £5 per month, or thereabouts. With all the features and expense of modern phones, coupled with the fact that they are so easily lost or stolen, taking out a good insurance policy is vital in ensuring that you are protected if the worst happens.
There are a number of steps that you can take to minimise the risk of having your mobile phone stolen, and these are generally common sense. Never leave it on a table, never use it in a place where you are afraid it might attract attention, and never leave it in the car when you are not around.
It is also important to regularly back up the information that you store in your mobile phone. If your phone is stolen, the things that you cannot recover are the biggest loss. Things like photographs that you have taken and stored in the mobile can never be got back once the phone is gone, and the mobile phone insurance will not cover them in the event of loss.
Your contacts list is also vital information, and many people have lost touch with each other because of losing the list of friends that they had stored on their mobile phones.
If your phone is lost or stolen, it is important to notify the police straight away, and also to contact the network as soon as possible. The reason for this is to prevent the phone being used. The network can transmit a signal to the phone to make it impossible to ever use again once it has been stolen, and this has shown positive effects in reducing the amount of mobile phone related crime that takes place.
You will receive a crime number from the police that you need to claim on your mobile phone insurance. The insurance company will normally send you out a new phone within a week provided that everything is above board, although there will usually be an excess to pay on any claim, and this is generally around £50 – although it can vary depending on the company.
In general, mobile phones are not covered on your household insurance policy, and with the high cost of a replacement handset, having proper mobile phone insurance cover can save you hundreds of pounds.
Mark Hirst writes for Best Mobile Contracts, a website that specialises in finding the best mobile phone deals. We compare the market in seconds saving you time and money. For Nokia N95 deals visit us today.
Author: Mark Hirst
Article Source: EzineArticles.com
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