Or would at least be happy to purchase a cheaper model instead? Consider mobile phone insurance if you rely on your mobile phone quite heavily and would need an instant replacement if it was lost stolen or damaged. Not all policies will replace your phone instantly so be sure to check that yours does before buying. You already be able to protect your mobile phone under a pre-existing policy. For example, if you have contents insurance , you may be able to add your mobile phone to your policy under personal possessions cover.
A packaged bank account is a current account that comes with a number of benefits, like mobile insurance, for a monthly fee. Specialist gadget insurance policies have been designed specifically to protect your mobile phone and other gadgets. They can tend to be cheaper. Certain manufacturers offer their own insurance for the mobile phones and gadgets that they make.
If you buy a phone or take out a contract with a mobile network provider, you may be able to get mobile phone insurance added on. This may be higher then a specialist policy see above. Mobile phone insurance exclusions will vary from policy to policy but here are some of the common ones to look out for:. Incidents that occur through carelessness are usually not covered by mobile phone insurance, and insurers will often reject claims where you haven't taken reasonable care. For example, forgetting your phone was on your duvet when making the bed and causing it to hit the wall and crack its screen.
This could include leaving your phone on the seat of your car or on a table in a restaurant. Your phone could still be classed as unattended even if you left it with a group of friends or people you know. If you left your phone on the counter of a bar with your friend, for example, while you went to the loo. Water damage is often excluded from mobile phone insurance policies. This could include anything from accidentally dropping your phone in the toilet to leaving it in your jacket pocket and putting it through the wash.
Some insurers won't cover the cost of replacing your phone or for unauthorised calls or downloads if you leave it more than 24 hours to report your phone as lost or stolen.
Most mobile phone insurers do not cover cosmetic damage such as scratches or dents. Unless the damage to your phone prevents it from working properly, you're unlikely to get cover through your policy.
Warranties only tend to cover mechanical problems so check the terms and conditions before you decide against taking out separate cover. If you have contents insurance you may be able to cover your mobile phone through personal possessions cover. Personal possessions protects your belongings whenever you leave your home and could even offer protection when you travel abroad.
Adding your phone to your contents insurance could resulting you having to pay a higher excess if you claim. Remember that making a claim could increase your home insurance premiums when you come to renew your policy. Self insurance involves putting money away in a savings account each month to cover the cost of repairing or replacing your mobile phone.
Be realistic about your ability to set aside enough money to cover any costs that could arise, especially if you have to foot the bill for or unauthorised downloads or calls to premium rate numbers. If you do decide to get cover, make sure that you shop around to find the best mobile phone insurance deal. It depends as mobile phone insurance can be bought annually or monthly.
If you choose an annual policy, your mobile phone insurance will last for 12 months. If you choose a monthly policy your mobile phone insurance cover could last for a shorter period. Most mobile phone insurance providers cover cracked screens if it affects the functionality of your mobile phone. Offering the joint cheapest cover for a GB Macbook Air , Tin Hat Mobile Insurance allows you to protect up to 10 gadgets under a single policy. These include smartphones, laptops, tablets, digital cameras, smart watches, sat navs, games consoles and e-readers such as Kindles.
Without insurance, having to replace one mobile phone out of your own pocket, while simultaneously paying for another would be costly. Gadget insurance is also useful if yours is a family where everyone is glued to their gizmos. Look for cover that includes protection from:. Look also for cover that includes extra benefits. For example, some gadget insurance policies offer a like-for-like replacement in 24 hours.
For example, leaving your digital camera unattended on a table while you nip to the loo in a restaurant or bar. When taking out a policy, check whether it allows an unlimited number of claims. Also, whether the cover extends to unauthorised usage of a device, not just theft or loss.
Bear in mind that the contents of a device, such as photos or software, are unlikely to be insured. Also note that some gadget insurance policies have to be up and running for a certain period of time for example, 14 days before customers can make a claim. The excess is the part of a claim that you as the policyholder agrees to pay, before the insurance kicks in.
There may be a discount for covering several devices on the same policy. You can also reduce the cost of premiums by paying for cover annually, instead of monthly. A really good policy will offer comprehensive cover as outlined above at a reasonable price, wherever you are in the world. Location is an important consideration in this respect. Tablet Insurance. Pay-as-you-go insurance. Get a quote. Why choose Post Office gadget insurance?
Low Excess We know that the more things you need to insure, the higher the costs climb. Skilled engineers and quality repairs We ensure that the people who fix your devices are as knowledgeable as can be. Add your gadgets Let us know which devices you want to cover by providing their device, brand, make and model. Choose your cover Select from economy, standard and premier cover based on how much excess you want to pay.
Provide your details Simply give us your details, set up a payment method and your done! Why buy gadget insurance? We cover against every eventuality. Choose our family bundle to save money. What is it? Why buy it? What does it cover? What about items on my contents insurance? Already have Post Office gadget insurance?
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