When Steve Jobs established Apple, could he have known how much he would revolutionise the computer world? Suddenly, not only were computers functional, but also icons of design. The appeal of apple grew and grew, as it become synonymous with ease of use and the ultimate in cool. By the time the iPhone was unveiled in 2007, it shook the mobile phone industry with its unique combination of form and functionality. Today, the iPhone remains as iconic as the day it first came out, and despite companies such as Samsung briefly stealing Apple’s thunder with the Galaxy S4, iPhone sales are still growing. *
However, such is the appeal (not to mention the expense) of the iPhone, that these little babies are also the most likely to be stolen. Moreover, a recent survey revealed that most phones have a life of only around 15 months before being lost or broken. With the iPhone 5S currently retailing for around £550, then you need to make sure you’re not caught out.
Protecting your iPhone
Mobile phone insurance policies vary enormously, from the excess fee charged, to what they will cover you for. So before researching insurers, be clear about what it is that you need.
- Are you prone to losing or breaking your phone?
- Have you had your iPhone for long? Some insurance policies will only cover new phones.
- Are you over 18?
- Do you have over 4 months to go on your contract? If not, you would be better off waiting until you upgrade.
Your answers should help you identify what type of policy you need. For example, if you’re prone to breaking phones, then you’ll want an iPhone policy that replaces or fixes your phone with the minimum of fuss or expense.
To decide if your iPhone policy is suitable for your purposes, always ask the following:
- What is the excess fee? (The amount you will have to pay yourself towards a replacement or repair)
- Does the insurer replace the phone with the same model as the one you have?
- Do they offer you cash pay out’s to buy a new phone yourself?
- What is the overall cost of the iPhone insurance?
- Does the policy cover you for loss and theft, or just damage?
Check Existing Insurance
Before buying new insurance, check that your iPhone is not already covered by your home contents insurance or Bank Account Package Deal.
Find a Suitable Insurer
An online search for iPhone insurance will bring up suitable companies, but always refer back to your checklist to make sure the policy is right for you.
Insuring your Phone through Apple
It is possible to insure iPhones in the UK through Apple Care +. This provides for the repair or replacement of your iPhone for up to two incidents of accidental damage. However, it does not cover you for loss or theft, and it must be taken out within 30 days of purchasing the phone.
About the Author:
Wendy Lin is a successful female entrepreneur who treasures time with her family. When she's not painting, she can be found travelling with her growing family.
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