Everything You Need To Know About Cellphone Insurance
Cellphones are among the easiest possessions to steal. They’re lightweight, convenient to slip away from their owner, and getting more expensive by the day. But theft isn’t the only reason you should consider cellphone insurance. You should also think about how easily you could damage your cellphone. Now that we’re used to carrying our cellphones with us everywhere we go, we’re more likely than ever to do silly things, like drop it into the toilet, go swimming with it in our pockets, or allow it to come crashing to the ground.
Insuring your cellphone has the power of making any of the ordeals listed above, less traumatising (shattered screens are distressing to the extreme) and we’ve got the low-down on how to get it and what you need to be aware of.
How cellphone insurance works
The basic gist is that cellphone insurance, by and large, is included under most insurers’ portable possessions policies because it goes out and about with you. That said, not all insurers offer it the same way. While some offer it under portable possessions insurance, others call it cellphone insurance. They both function the same way, regardless of the name. To wit, your phone is insured against the risk of theft, accidental damage, or loss.
Oh, and just so we’re clear, by ‘cellphone’ we mean the hand-held communication or radio device, gadget, cellular or mobile phone that you use to make/receive phone calls, or send/receive messages or emails. Or tweet, insta, or snap from. Whatever floats your boat.
Fancy cellphones and portable possessions cover
Right, so let’s talk about fancy cellphones because there are different rules for super expensive devices. If you have a pricey cellphone that comes with all the bells and whistles, and you’re insuring it under a portable possessions policy, then you’ll need to list it under ‘specified items’. The ‘specified items’ are typically worth more than a set amount on your policy, which makes it different from the general items you’d insure under this policy.
To specify your phone, you’ll need to provide your insurer with its name, make and model, and value. This way, you can ensure that you receive an accurate pay-out if something happens and you need to claim.
The thing about cellphone contracts
Just because you have a cellphone contract, doesn’t mean that your cellphone is insured. You’d be surprised by how many people think that a contract = cover. It usually doesn’t, and if anything happens to your phone, you’ll still have to pay for your contract… Even if you don’t have it anymore.
Complete honesty, transparency and no hidden clauses
Let’s be honest, your whole world is probably kept on your phone. That’s why it’s a great idea to insure it properly and make sure that you get cover from an insurer who doesn’t delve in fine print and doesn’t hide anything from you. The last thing you want is the possibility of a hidden clause bunging up the works when you need to claim.
If you’re looking for a sensible, honest, and super affordable cellphone premium, then go ahead and click here for a commitment-free quote!