Uk Mobile Phone Insurance and Water Damage

When you stop and think how closely many of us are bonded with our mobile phones these days, you would be surprised how as a nation we really neglect our little mobile friends!

Recent figures show that over the space of a year we really could benefit from the protection of the right mobile phone insurance cover . This becomes increasingly more understandable when you analyse the data and notice that in the UK more than 2,000,000 phones suffered water damage, accidental damage, loss or theft.

After reading the above, you may think again and be tempted to purchase some mobile phone insurance to protect yourself in the event that you lose your mobile phone or have it stolen . At this point it would be wise to take a step back, as not all iPhone Insurance cover is the same. There are some insurance policy providers that write out of the cover offered, important modules such as loss and even water damage.

This may sound like outlandish behaviour on their behalf, but emitting certain areas of risk from policies is all but to common in the insurance world, they are effectively managing their profits at your risk. Now I would find that satisfactory if they told you upfront that loss was not covered in the policy and clearly advise you of this in the products ‘Key Description’. More often than not, this will not be advised to you when you purchase your insurance, but hidden away somewhere in the small print and will only come to light if you make a claim.

Unfortunately for the unsuspecting customer this is completely legal, as the insurance company will have made reference to this in the terms and conditions (known to us as the small print ). The only way to avoid this situation would be to read all of the terms and conditions before you take up the Mobile Phone Insurance product.

Another point well worth taking note of is price. It does not follow that the more you pay the better the quality of the insurance. In fact, with some policies it can be quite the opposite. You may well find a big variation in cost, so it is worth shopping around for the cheapest Mobile Phone Insurance that offers you the cover you require to protect your mobile phone.