When taking out any insurance policy, one thing that people like to check before finalising anything is the amount of excess which they will need to pay if a claim is ever made. A higher excess means that the policy holder will have to pay more money if they’re making a claim, whereas a low excess means that they don’t have to pay as much.
As the whole point of taking out mobile phone insurance, for many people, is to save money if anything ever goes wrong, most people are looking for insurance with low excess. If you ever do need to make a claim, you won’t have to worry too much about the costs involved.
Although it’s a good idea to look at the general monthly cost (or annual cost) of the insurance policy and also the features of the policy to see if they suit you and your mobile phone, don’t forget to look at the amount of excess too. You might find that each plan has a different amount of excess, so that the more you pay per month, the less excess you have to pay if anything does go wrong. Consider your budget and how much excess you could afford to pay if need be.