Insurance for iPhones: what is it?

You may have been offered insurance for iPhones when you first bought your mobile phone (or had an upgrade) either from the mobile phone retailer or the network service provider and may have either took the deal and later cancelled it as you felt it was too expensive; or maybe you thought that iPhone insurance simply was a waste of money.

Insurance for iPhones however, doesn’t need to be expensive and it can certainly be a way to have the peace of mind that your mobile phone is protected against the unexpected.

What does iPhone insurance cover?
First of all, it is important to note that gadget insurance policies can vary in what they offer and in terms of pricing. 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. Typical iPhone cover may offer all or some of the following protection for your phone:

• cover against breakdown once the manufacturer’s warranty period expires;
• accidental damage (some policies may include accidental damage by liquids);
• theft;
• accidental loss (this may often incur an extra fee for this element of protection);
• 48 hour guaranteed replacement in the event of a successful claim;
• worldwide cover, so your iPhone is protected even if you are on holiday or away on business;
• airtime abuse (if the person who has stolen your phone makes loads of calls, you won’t be liable – up to set limits);
• whether it is contract or pay as you go phone;
• a data back up service at the time you take out your cover, meaning that you can retrieve up to so many GB of your data if your phone is lost / stolen.

It is important when browsing insurance for iPhones that you do make sure that you fully understand what the cover entails and that you never make assumptions as to what your mobile phone is protected against.

As you can see from the wide choice of benefits available, having gadget insurance may make sense, especially if you can find it at an attractive price.

Which moves us on to the next point – iPhones insurance does not have to be expensive. Taking the first deal offered to you (such as your network service provider’s cover or the retailer’s mobile phone insurance) may see you pay more than you need to.

Shopping around for insurance for iPhones, especially on the internet where there are a number of gadget insurance providers offering what can be competitively-priced deals, may see you find suitable cover that gives you the peace of mind that your iPhone is protected.

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