Apple iphone insurance – not just a luxury

If only it were possible to guarantee that your phone could not come to harm at the same time you purchased it. Unfortunately, you cannot and that is why it may be worth thinking about Apple iphone insurance.

Warranty

It is, of course, perfectly true that a new iphone will be under a manufacturer’s warranty – at least for a period. However, that will not be of much use to you if your iphone is stolen or badly damaged in an accident.

The warranty exists only to ensure that if your phone malfunctions, it will be repaired without cost to you (though conditions and exclusions will also typically apply).

If you are unlucky enough to suffer any form of calamity with your phone, then often you can expect little help from the warranty (unless you have paid for extra cover). Your only course of action may be to start looking at your bank or credit card balance to see if you can afford a new iphone – unless you have Apple iphone insurance in place.

Typical benefits of iphone insurance

The benefits of any insurance may vary depending upon the provider you are using and the individual policy you select so do read the small print so you know exactly what your cover offers. Typically, you may find all or some of these benefits:

• cover for theft or accidental destruction of your iphone;
• free backup facilities for your contact data stored on it;
• the cost of repair if it malfunctions;
• 48 hour replacement of the phone in the event of a successful claim.

Exclusions and conditions

All insurance inevitably carries some conditions and exclusions – the Apple iphone insurance is no exception.

Typically the iphone insurance will contain:

• an excess;
• limitations of theft cover to forced entry of premises resulting in damage to those premises;
• exclusions if the phone was left unattended;
• exclusions for theft if the theft was not reported to police within 24-hours and a crime number obtained.

The risks of doing without

Insurance for your iphone is not compulsory and there may be the understandable temptation to cut costs by passing it by.

Yet if your iphone is damaged or stolen, you may find that trying to do without it is totally impractical. So if you do not have any insurance cover, you may end up having to dig deep into your own cash funds to replace it.

Having Apple iphone insurance protection may help you keep your money in your pocket in the event of such a crisis. As such, it may well help you sleep a little more easily at night.

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