If you’re hunting for mobile phone cover, you may be flagging a little and wondering just how you’re going to make sense of the information in front of you.

If so, you may find the following key points useful:

  • cover may be divided into a number of risk categories, including theft, accidental destruction, breakdowns outside of the manufacturer’s warranty period and in the case of some policies, optional loss protection;
  • as with any insurance, mobile phone cover may come with a range of conditions and clauses that need to be read and understood before you may typically be able to be sure that it is a good match for your situation;
  • some policies may provide additional benefits such as 48 hour replacement following approval of your claim, cover for use outside of the UK, backup storage on their system so precious data from your phone may be protected and protection against airtime abuse (the cost of unauthorised calls made on your phone between the time it is stolen and the time your service provider disconnects the service – limits may apply);
  • if you have a device such as a Blackberry, iphone or any form of PDA, your insurer may have special cover available (e.g. blackberry mobile phone insurance) and typically, such devices may not always be covered by a standard mobile phone insurance policy;
  • some of these devices form part of what is called gadget insurance, an insurance category that includes things such as laptops, cameras and other such electronic devices – if you’re interested in good deals, it may be worth considering taking out several policies to cover your higher value gadget items as you may benefit from economies of scale if you do so;
  • mobile phone cover is not too difficult to understand but it may be advisable to allocate some time to shopping around and comparing one policy against another, prior to making your final decision.
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