Phone Insurance Made My Holiday

After landing at a Spanish Airport after a very smooth flight with easy jet. I reached in to my pocket and removed my mobile phone, as the seatbelt light had just gone out I decided to switch it on and change the time to the new time zone which was one hour in front of UK time. Just as I switched it on the captain announced over the radio that mobile phones had to remain powered down until you were inside the terminal building, this was to comply with Spanish legislation. To avoid a telling off from one of the cabin staff, I quickly pounced on the on/off to switch the thing off!

This on/off button has caused me a problem a few times lately, when the power button is pressed, nothing happens, It was bound to be s*ds law that my mobile would be bound to blast out its loud ringtone any second! I decided rather than suffer the embarrassment of being caught with my phone on I would quickly pull off the rear cover and remove the battery!

Mobile Phone Insurance

Getting my finger nails under the corner of the battery I gave it a quick tug and the phone jumped out of my grip – after hitting the hard corner of the outer seat row that I was sitting on! Well at least the battery was out and the phone was now off, the battery was lying in the middle of the isle, just one row in front of me. I picked up the phone and the battery and started to place them together again. That was when I realised the LCD screen on my N95 was cracked! Now at this point I would normally have emitted a few words that I would not want my children to hear, but today that was not the case!

Quite simply as this was just the start of the holiday, a damaged mobile was not going to get me down! The fact was, I was actually grinning to myself about the misfortune of my N95, you see just three days before travelling, at the same time as purchasing some Travel Insurance I decided to purchase some Nokia Mobile Phone Insurance !

Now I have never insured my phone before, I have never really seen the point. But after being advised by my network provider that the replacement value was around £400 for this phone and being aware I was off on my holidays for a couple of weeks of Sun, Sand, Sea and plenty of sangria I bit my lip and purchased some Mobile Phone Insurance. I am so glad that my mobile was protected, -just £6.00 a month and it’s saved me nearly £400 straight away!

Happy Holidays…

We all love our mobile phones, many of us will go nowhere without our small, but much loved phone friend. But you may be surprised to learn, as a nation in general, how we regularly abuse our mobile friends!

We could all benefit well from the right Mobile Phone Insurance, especially after the release of insurance company figures. This becomes increasingly more understandable when you analyse the data and notice that in the UK more than 2,000,000 phones suffered water damage, accidental damage, loss or theft.

When taking note of the facts above, you may have a change of heart and decide to invest in mobile phone insurance to cover your phone if the worst happens. At this point it would be wise to take a step back, as not all Mobile Phone Insurance cover is the same. There are some insurance providers that write out of the cover offered, important modules such as loss and even water damage.

This may sound like outlandish behaviour on their behalf, but emitting certain areas of risk from policies is all but to common in the insurance world, they are effectively managing their profits at your risk. Now I would find that satisfactory if they advised upfront that water damage was not covered in the policy and clearly advise you of this in the products ‘Key Description’. More often than not, this will not be advised to you when you purchase your insurance, but hidden away somewhere in the small print and will only come to light if you make a claim.

Unfortunately for the unsuspecting consumer this is completely legal, as the insurance company will have made reference to this in the terms and conditions (known to us as the small print ). The only way to avoid this situation would be to read all of the terms and conditions before you take up the Mobile Phone Insurance product.

Another point well worth taking note of is price. It does not follow that the more you pay the better the quality of the insurance. In fact, with some policies it can be quite the opposite. You may well find a big variation in cost, so it is worth shopping around for the cheapest Mobile Phone Insurance that offers you the cover you require to protect your mobile phone.

We are all in love with our Mobiles these days, many of us could never depart from home without it. Some never even leave the room without our dearly beloved Mobile Phone in our hands!
If you lost your phone, could you afford to purchase another Mobile Phone straight away? You may have Mobile Phone Insurance for your phone, but, did you know this important fact?
Some mean Insurance companies exclude Water Damage form the policy that they offer!This makes a very good reason to read the terms and conditions before you buy, as the cheap mobile phone insurance policy may not always be the best option for you and your mobile!

Next time you plan to purchase a new mobile phone contract, take a few minutes to check up on this potential problem or trap.
In 2006 in the United Kingdom over 1.2 million (yes, million) mobile phones were destroyed by water damage, some flushed down the lavatory, some dropped in drinks and loads ended up in the washing machine!

The real bad news comes when you try and claim on the mobile phone insurance that you have been paying £8.00 a month over the last ten months and they tell you that water damage is not included in the policy cover!

So next time you replace your mobile phone, double check the Mobile Phone Insurance you purchase will cover you for water damage, as it is in the top 3 of reasons for people making a claim in the first place!