Benefits of Phone Insurance

W ith the introduction of smart phones in the market, many people all over the world now have a one-stop avenue for checking their mails, playing their favorite video games, and listening to their most loved music. Despite their sheer functionality, smart phones are quite expensive, ranging up to several hundreds of pounds in some cases. This means that once you purchase a phone, you should take full responsibility to protect it against loss or damage. However, several things can happen to your phone unexpectedly. It can slip into washroom sink and get spoilt, or it can fall down onto the pavement, shattering its screen. In such situations, you need to replace your phone. The best way to reduce the cost of replacing your phone when it gets damaged or lost is to sign up for mobile phone insurance. The cost of having your phone covered varies from one insurance company to another. However, at an agreed monthly premium for a given contract, you can have your phone covered in case anything happens to it. Even though it comes with a responsibility to pay the monthly premiums, cell phone insurance is a good idea, especially if you have an expensive Smartphone, which you would find difficult to replace in case of loss or damage. Your phone provides you with a one-stop digital avenue for all your communication and entertainment needs. Therefore, you need to replace it immediately when you lose or damage it. In case of immediate replacement, identify a company that offers rapid replacement policy as not all of them do. Under basic coverage, you take a policy that protects your phone against loss, theft, or damage. However, in addition to these risks, some companies also provide policies that cover accidental damage, unauthorized calls, accessories, and applications. It is advisable to know what your provider covers before you sign up for any policy. This is because different providers offer varying policies on what they cover and what they don’t. In most cases, companies that offer cell phone insurance services do not cover damage or loss due to owner’s carelessness. For instance, if you drive off with your phone on the roof of your car and it is damaged as a result, then you may not be eligible for coverage. Most companies do not pay for loss or damage where owner does not exercise reasonable care. Besides, some companies do not cover phones that are stolen because of owner’s negligence. For example, if your phone is stolen from your pocket in a busy pub, you may not be covered, as most companies provide replacement only where phones are stolen by force. That is why it is important to digest the rules of your provider and understand what it considers loss or damage before you buy any policy.