Mobile Phone Insurance Reviews
Mobile phone insurance reviews should be used when you are trying to determine what insurance company you should go with to insure your phone. It can be confusing trying to figure out all the terms and conditions, as well as the exclusions to the policy, and it is going to take you some time to sort it all out. However, there are some things that you want to look for as you are reading the different reviews. You will want to make sure that the insurance company is listed in the FSA, otherwise known as, the Financial Services Authority. This is to ensure that the company is on the up and up and is not some fly-by-night company that will be gone tomorrow.
Key Points In Mobile Phone Insurance Reviews
You want to make sure that the insurance company that you’re thinking about using covers you against water damage. Over 1 million phones each year are ruined because of dropping them in water or water spilling on them. You want to look for moisture damage as well because just one drop of water will short out your entire phone and ruin it. You have to make sure that you look at the exclusions of the policy to make sure there isn’t some loophole that will prevent the insurance company from paying you in the event that your phone is run because of water.
When you are looking at reviews for mobile phone insurance, make sure they cover for loss. Unfortunately, in the exclusion section of many insurance policies, the insurance will not cover a claim if you happen to lose your phone by forgetting it somewhere. Also if your phone is in full view while in your car and someone walks by and sees it and then, grabs it, many insurance companies will not honor that claim. You must carefully read the exclusions because many insurance companies use these to deny your claim. They will honor a claim if your phone stolen, but you must have taken precautions against this happening such as, keeping the doors locked in your vehicle or in your home. If you have made your mobile phone an easy target and not taken every precaution against someone stealing it, this is a nice little loophole for an insurance company to deny your claim.
Any good insurance policy will cover you for fraudulent calls made after someone steals it, usually up to 100 pounds. Once again you have to look at the stipulations and very often, you must call the police and file a report within 24 to 48 hours of your mobile phone being stolen. You will probably need the police report, as well. If you have the option to use a pin number on your phone in order to access it, you should do this to safeguard against anybody getting into your phone, in case you lose it or someone steals it. Some insurance companies will say that they cover for these fraudulent calls, but will only do it after the phone has already been reported stolen or after the phone number has been blocked by your network provider, which no phone calls can be made anyway. They don’t protect you for the phone calls that have been made prior to this, so it really doesn’t protect you.
As you are looking through the mobile phone insurance reviews, you definitely want to compare whether or not they cover for accidental damage. Accidental damage is a very important benefit that you are going to want. When you get the cheapest insurance, they usually will not cover you for any accidents and this is really the reason why most people need to get insurance in the first place. Once again, check out the exclusions to understand exactly what is covered. If they don’t cover cosmetic damages, then it really is useless having the insurance because if you drop your phone and screen cracks, you won’t be able to use your phone anyway and you can’t get it replaced. You also need to make sure that they’re not going to give you a refurbished phone, if yours cannot be fixed. There is usually a stipulation on the amount of replacement phones you can get each year and if you get a refurbished phone and something goes wrong with it, you won’t be able to get another replacement for it.
As you are comparing the mobile phone insurance reviews, almost every insurance policy will offer you protection against theft. Stealing mobile phones has become quite common because of how valuable these phones have become. Many mobile phone network providers are now including GPS in their contracts, which make it very easy for your phone to be located if someone does steal it. Many mobile phone recycling stations are also safeguarding against theft by using a database that lists all stolen phones. With many of these safeguards in place, it is not as lucrative for a thief to store your phone.
Making Mobile Phone Insurance Reviews Work For You
Always be sure that you do your homework when you are getting any kind of insurance and mobile phone insurance is no different. You want to get the best protection for your money. If you own a smart phone, it is almost impossible to go back to using a mobile phone that only makes phone calls or texts. It is entirely up to you on the amount of insurance that you get, just make sure that you get enough to cover what makes sense for your particular lifestyle. If you travel a lot overseas you will definitely want to get insurance that protection you in case you lose your phone or someone steals it while you are out of the country. If you are the kind of person who loses things a lot or has a lot of accidents and breaks things, you definitely want to be covered for these types of instances. Just be sure that you do some comparison shopping and check out the many sites that have mobile phone insurance reviews.