Buying iphone 3GS insurance

Your iphone 3GS may be one of your prized possessions, so perhaps it may make sense to protect it with iphone 3GS insurance – if you haven’t already done so.

Having an appropriate iphone 3GS insurance policy in your drawer might one day prove to be as big an aid as your iphone itself.

The reasons for that are clear – sometimes bad things happen to iphones.

A typical policy may contribute towards protecting you financially if:

• somebody steals your iphone;
• it gets broken by accident (this may include liquid damage);
• it breaks down outside of the manufacturer’s warranty period;
• you lose it (this cover is more typically an optional extra on some policies, and may not be available at all with others).

Not only that but some policies will go further and provide:

• a guaranteed 48-hour replacement of your iphone once your claim has been agreed and approved;
• cover internationally so you can take your iphone abroad with a little more confidence;
• data backup for things such as your contact lists (size limits may apply);
• payment of any unauthorised calls made after your iphone was stolen.

Hopefully you’ll never have to make a claim but if you did, you may wish to keep in mind that like all insurance, iphone policies may have certain requirements relating to your responsibilities.

As with any insurance product, terms and conditions, exclusions and limitations will apply and you may wish to read these carefully to ensure you understand them.

These typically include things such as:

• you may be obliged to report a theft to police within 24 hours and obtain evidence that you’ve done so (typically a crime number);
• your theft cover may not apply in situations where you left your iphone unattended in a public or otherwise unsecured location – typically it will only be covered if it was left unattended in a locked and secure location or car;
• breakage cover may not cover situations where you managed to break your iphone while attempting to modify or fix it.

Generally these conditions are not demanding or unreasonable but even so, it’s a good idea to familiarise yourself with them.

So, iphone 3GS insurance may make your life a lot simpler and less financially painful, if disaster strikes your iphone! It might be worth thinking about further.

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