United Kingdom is a Country of Mad Mobile Phone Lovers

We all love our mobile phones, many of us will go nowhere without our small, but much loved phone friend. But you may be surprised to learn, how we, as a nation in general, regularly abuse 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 apparent when you read the figures and realise that over 2 million mobiles were either lost, stolen, suffered accidental damage or water damage.

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 Mobile Phone 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 acceptable if they advised 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 consumer 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 problem 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.

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