iphone 3g insurance explained

When you are buying a phone it may be easy to overlook insurance. Perhaps you feel comfortable because the gadget comes with a manufacturer’s warranty. However, a warranty is not the same as an insurance policy, as a warranty typically covers only defects in the workings of the item in question. So if the phone breaks down after the initial warranty period or suffers some other mishap, without iphone 3g insurance you may find that you have to meet the repair or replacement costs out of your own pocket*.

If you are mad on gadgets and have other items that you want to insure (for example a laptop, camera, ipod), a gadget policy covering a number of products may be a more affordable way to get cover for your items.

What if someone steals your phone?
Having a 3g phone can be great. You may benefit from the latest technology from the point of view of processor speed and moving image technology. However, a 3g phone is also desirable to other people, and could be at risk of being stolen.

This is where your iphone 3g insurance could also come in useful. No doubt you will be careful with your phone whether it is covered or not, but should the worst happen and you find yourself a victim of phone theft, you may find that the policy gives you peace of mind.

Insurers typically require their customers to follow a set procedure in the event of phone theft, which may include:

• prompt reporting of the theft to the police;
• obtaining a crime number for the incident; and
• informing your phone provider and insurer of the theft as soon as reasonably practicable.

The procedures, terms, conditions and exclusions of various iphone 3g insurance companies may vary, and some providers may require evidence of a forced entry if the phone was stolen from your house, and the same if the phone was stolen from your car. Some providers may not pay out for theft from a car unless the phone was kept locked in a glove box which had subsequently been broken into.

In most cases you will be expected to pay an excess, which you should have been made aware of at the time of taking out the iphone cover.

Other risks to your iphone

As if theft and breakdown of your phone were not enough to worry about, you may also be concerned about accidental damage. After all, no matter how careful you are with your possessions, who has not got a story to tell about a simple act of forgetfulness costing them dearly?

Accidental damage may typically be covered on many iphone 3g insurance policies, although the providers may vary on their treatment of damage caused by liquids. Some state that this is a risk they will insure, whilst others specifically exclude this from the cover.

* Making a successful claim under iphone 3g insurance is subject to meeting the terms and conditions.

No related posts.

Related posts brought to you by Yet Another Related Posts Plugin.