The benefits of iphone insurance cover
Hopefully you will never have to rely on your iphone insurance cover. However, if you do, you may be glad that you do not have to pay for the full repair or replacement costs of the phone from your own funds (subject to making a successful claim).
The precise details of policy excesses, exclusions, insured risks and terms and conditions of iphone insurance may vary between providers, but the cover typically relates to:
- theft;
- accidental damage; and
- breakdown (after expiry of the manufacturers warranty).
Theft of your phone
It is not pleasant to think of your phone being stolen, but unfortunately it is a possibility, especially as iphones by their very nature are small and easily transported. Insurance for iphones may typically cover:
- theft of your iphone from your person while you are out and about;
- theft of your phone from your home; and
- your phone getting stolen from a locked compartment (like your glove box) in your car.
Different providers’ iphone insurance may vary, and it is helpful to read through the detail of the policy before you find yourself in the position of needing to make a claim. Some providers require prompt reporting of the theft to the Police and may only pay out if there is evidence that there was forced entry into the place where the iphone was being kept.
Do you need breakdown cover?
If your phone has a manufacturer’s warranty, you may question why you need iphone insurance cover at all. But with a bit of luck you will still have the phone beyond the expiry of the warranty period. Accordingly, when that time has ended, would you like someone else to take care of any necessary repairs should the phone malfunction?
Apart from the potential cost of repairs, one of the advantages of having iphone cover in place is that it will be up to the insurance company, rather than you, to arrange for the work to be done. Some insurers may, on accepting a claim, typically have your phone picked up, repaired and returned to you within 48 hours as well as providing a free data back up, so none of your important contact’s details are lost!
Accidental damage
Embarrassing as it may be to ring up your insurer and confess that your iphone has been damaged by accident, it would be even worse if you did not have any insurance at all, and had to buy a brand new phone. Accidental damage iphone insurance means that you may be able to have your phone repaired or even replaced, if your phone is damaged. You should note however that some insurers will cover the risk of liquid damage where as others specifically exclude this. Again, you should read the detail of the policy to ensure it is suitable for your needs.
The cost of iphone insurance
You may find that shopping around for iphone insurance cover may help you find the most competitively -priced insurance for you. Some providers may offer a free period of cover as part of their overall pricing deal. There are also options available for iphone users to either pay an upfront lump sum or to spread the cost of the premium over monthly instalments. Finally, for most policies, should you make a successful claim, you will be expected to pay an excess, which you should be made aware of at the time of taking out the iphone cover.
With iphone insurance cover, and as with most types of insurance, note that exclusions and limitations will generally apply and terms and conditions as well as price will vary from provider to provider. Therefore, it is important to always ensure that you are buying the cover that is most suitable for your needs.
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