INSUBCONTINENT EXCLUSIVE:
Mobile phone insurance is one of those things you might not think about until it's too late
So if you've made it this far without insurance, you're in the right place as protecting your smartphone with insurance is a smart and
simple way to give you peace of mind.Phones are so expensive these days it makes sense to insure them, especially when you consider how
then you'll know the feeling of settling into a life with a broken screen
Streaming Netflix becomes far less enticing, and you'll be reminded of your daft error (or somebody else's !) every time you unlock your
screen.And it's ten times worse if you lose your phone or have it stolen.Or maybe you've dropped your phone in water and it's never been
quite right since.Whatever the issue, if you're insured properly you don't need to worry about any of that
In fact, if it's really good cover, you could even use your phone without a case, leaving it as slim and good looking as when you bought
And a good few don't cover a replacement phone, so if you want that option be sure to check it's added to your policy.Some policies don't
cover unauthorised calls made from your account, meaning you could end up with a painful bill if your phone is stolen.Also be sure you're
you to make a single upfront payment to save money
The amount you pay varies depending on the phone
While most phones are covered, the super high-end like an iPhone X or Samsung Galaxy Note 9, will cost you more
network provider as insurer this is the easiest and quickest way to get your new phone replacement
So Three, EE, Vodafone and O2 all offer good policies ranging in price and excess payment amounts.Many bank accounts also offer insurance
which can get your a favourable rate, so this is worth looking into with your bank
Just bear in mind that payouts might take longer.Third party insurers worth looking at include Insure2go, Protect Your Bubble and Gadget
Cover with the latter offering affordable options as well as older phone policies
You can also go for manufacturer cover, but expect to pay more
hoping that will cover your phone, think again
Home insurance only covers the device when in the house and even then it's in the event of a burglary or a home fire only
