This is a question which will be answered differently depending on your experiences with certain companies, which companies you currently use and whether or not you would recommend a particular mobile phone insurance company.
Without a doubt, the best type of mobile phone insurance for many people will cover them against losses, theft, accidental damage, water damage and other things. It would also be quite cheap per month and have a low excess if anything went wrong and the owner had to make a claim. However, finding an insurance which is perfect for you can be quite difficult.
One of the companies which is considered to be the best is Protect Your Bubble. Insurance from this company will cover you against loss, theft and accidental damage, and will also cover you anywhere in the world. The monthly cost is quite low and the excess isn’t too expensive either.
Budget Mobile Cover is another company which is very cheap and has a lower excess than Protect Your Bubble. With a lower excess and a higher maximum cover, those on a budget should consider choosing this company for gadget insurance, whether it’s an iPhone, some other smart phone or a basic mobile phone.
Mobile phone insurance is very important, especially if you value your phone. Many people now keep family memories, important documents and things to remember on their phones, so it can be somewhat of a disaster if something does go wrong. Having mobile phone insurance will give you peace of mind and will help you to relax knowing that if anything does happen, you’re covered.
People will have differing opinions about what is the ‘best’ phone insurance in the UK, but one way to find out which insurance companies the public like is to read reviews. Reviews and recommendations are very helpful for making a decision about lots of things, and if you can find a company which appears to react quickly to problems and claims being made, is generally quite cheap and provides good, quality insurance, then you can’t ask for much more.
Reviews from customers will provide unbiased accounts of their experiences with a company, unlike reading the information given by the company itself, which is often biased as they want to sell their services to the public. Asking your friends for their opinions about their own mobile phone insurance companies can also help you to choose a good one.
When looking for mobile phone insurance which is great value for money, here are some of the most important things to consider before purchasing any policies.
Firstly, consider the monthly price. Most insurance companies will allow customers to pay for their insurance by the month, although others may require a one-off payment for the whole year. Normally, you can save money by paying for the whole year upfront, so if you can afford this, it might be worth doing in order to save some extra cash.
Next, you should check the excess on the policy. If there is an excess which would be too high for you to pay, you should look at another policy. Some have a very low excess, although these usually have a slightly higher monthly cost. Think about how much money you could afford to pay if something went wrong with your phone, and then look for an excess which is around this amount or preferably below.
Finally, make sure you thoroughly read all the features of the policy. You don’t want to take out a policy which does not cover against water damage if you work near water and your phone is likely to be damaged by water. Also remember that it might not be worth paying extra for features which don’t apply to you, e.g paying for overseas cover if you never go abroad.