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Mobile phone left and insurance
Mobile Phone Theft and Mobile Phone Insurance

Mobile phone theft is a growing crime. As phones have more features and become symbols of social success, there's more to be gained by having the latest mobile phone, even if people have to steal them to get one. That's why it's a good idea to have mobile phone insurance. However, you will need to shop around to make sure you get a mobile phone insurance policy that really meets your needs.

Shopping Around For Mobile Phone Insurance

When shopping around for insurance against mobile phone theft, you have three choices: you can get a policy through your phone service provider; you can get a stand alone policy; or, you can tack it on to an existing insurance policy, such as home insurance. There are advantages to each of these routes for mobile phone insurance.

Getting mobile phone insurance from your phone provider will rarely be the best deal financially, but it does have one significant advantage. In the case of mobile phone theft, this is the quickest way to get a replacement for your phone. Once you've reported the loss, the company will take care of switching off your old mobile and getting a new one to you, often within a day.

Issues to Watch

Some mobile phone insurance providers will provide you with a used phone or old model rather than the latest version of the phone that you have already got. Also, you need to check exactly what is covered. Many of the mobile phone providers' insurance policies have restrictions on their cover. For example, your phone may be covered if it is stolen, but if you are mugged and your phone is stolen, you may not be covered. Your mobile phone may be insured against loss, but not insured if it's away from home.

Since leaving your mobile phone at home seems to defeat the purpose of having one, then maybe you should consider adding your mobile phone onto your house insurance policy to protect you from mobile phone theft. Since this often covers objects which are taken out of the house, this may be a good choice. In addition, adding a phone to your home insurance is likely to be cheaper than taking a mobile phone insurance policy through the mobile phone provider.

Checking On Cover

When taking out mobile phone insurance, check the extent of the cover provided. See what excess you will have to pay, whether your replacement phone will be new, what happens if you lose your mobile phone abroad, what happens if someone uses your stolen phone, and whether you can cover the phones for the whole family on a single policy. All of these factors will help you to determine if you are getting a good insurance deal.

Finally, although it is sensible to insure against mobile phone theft, it is also wise to take precautions so that your phone won't be stolen. Showing off your mobile phone or leaving it lying around is an invitation for unscrupulous people. Instead, keep your phone in a secure place and keep it on vibrate so that no one will know that you have a phone. Perhaps then you can avoid a claim on your mobile phone insurance.

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