Got a mobile phone? Of course, you have. Got it insured? Ah yes, that's when it usually comes unstuck. Never fear, we're here to help answer the questions you may have around getting yourself and your phone covered.
Policies vary massively and no two are the same, therefore you need to check the policy details carefully to ensure that you are covered for the things that matter to you. However, some policies offer cover as standard for:
At an additional premium policies may also offer cover for loss and liquid damage.
Most mobile phone insurance policies won't protect you from:
Our top tip is always check the policy terms to see what's included in the policy. The last thing you want is to find out you're not covered for loss or theft when you try to make a claim.
An excess is the contribution you are asked to make towards a claim. There may be different excesses for different types of claim, so check the policy summary to see what they are (we make this information really clear on our policy details pages).
14-day exclusion period
While some policies provide instant cover, others stipulate that you can't make a claim for the first 14 days after your policy starts. Again, this is something we highlight on the quote page and policy details pages.
Purchased in the UK
Some insurers will only insure UK purchased devices, so if you got a bargain on your business trip to the States, you may find you can't get cover for it.
Purchased from auction sites
Gadget insurers stipulate that the device must have been purchased either as new from a manufacturer, network provider or retail outlet (high street or online) OR refurbished and directly from a manufacturer or network provider. If you do make a claim you will almost certainly be asked for details.
Wear and tear
Policies won't pay out for normal wear and tear, or cosmetic damage like scratches.
If your system gets wiped out by a virus, you won't be able to claim to get the damage repaired, or for any other loss relating to the virus.
For most people the most valuable thing about their device is not the physical device itself but the data that's on it.
Protecting this needn't cost you any money at all.
Ensure that you frequently back up your music, files, photos, videos, contacts and other data. Consider cloud storage options for your data as well as physical backups such as home computers or hard disk drives.
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