Family Mobile Phone Insurance

Family Mobile Phone Insurance

With 40% of UK households owing two mobile devices, family Mobile phone insurance is becoming increasingly important.

Mobile phone insurance aims to cover your phone against a variety of possible events such as theft or fraud, with different packages offering different options depending on the cover required. Phone theft has become an increasing problem in the UK due to the ubiquity of mobile phones.

Beyond the physical product, mobile phone insurance also covers you should your phone account be misused in any way. A popular ploy of phone thieves in recent years is to use their goods to make a series of long calls to high premium numbers. They receive a cut, and the customer pays the bill.

Phone insurance covers those costs within certain criteria, working together with increasing phone and account security to ensure such activity is reduced to a fraction of what it was.

Always be sure to read the terms and conditions of any agreement. Mobile phone insurance can cover a number of areas to varying degrees, including:

• Theft
• Accidental damage
• Loss
• Account abuse resulting from theft

Be sure to examine deals from both insurance companies and mobile phone stores to make sure you’re receiving the best deal. A number of phone stores aim sell expensive mobile phone insurance so make sure you shop around before you buy.

Things to look out for include:

• Mobile phone cover levels – insurers often offer different levels of cover so check the cover you are intending to buy is right for your family circumstances.
• Are you already covered? – you may find that if you have a comprehensive home contents policy you may have family mobile phone insurance included. It is also worth checking your bank. If you have a premium bank service then mobile cover is often an add on included as part of the bank offering.
• Phone more than 6 months old? – A large number of insurers will insist that the phone is under 6 months old when cover commences. With the large network providers you have 28 days typically to accept cover or not. An option here if your phone or phones are older is to get your insurance under your home contents policy.