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Be smart with your smartphone - opt for smartphone insurance

Incidents involving the theft of iPhones are on the rise nationwide, and if you’ve ever lost your phone or had it stolen, you know just how distressing it can be. We keep our lives on our smartphones, so not only have you lost your phone, you’ve also lost music, pictures, videos and other memories. The last thing you want to have to worry about is the cost of replacing your iPhone should the worst happen, so take a few minutes to read our handy guide to iPhone insurance to see if it’s the right choice for you.

What’s on offer?

You’ll find plenty of insurance companies or home insurance policies will offer cover for your iPhone as an add-on to your existing home insurance policy, and there are also insurers offering specific gadget cover, such as Protect my Bubble. If you already have home insurance, it makes sense to add iPhone insurance to your cover, but you should probably shop around just to make sure you can’t get better value for money elsewhere. Most policies will cover you if your iPhone is lost or stolen, and some also provide accidental damage cover, which is well worth taking in case you crack the screen, drop your phone in water or damage it in some other way.

Why do I need insurance?

The chances are that you bought your iPhone as part of a monthly contract, which means you pay a monthly fee to your network provider – your handset is usually free or available to purchase at a greatly reduced rate. If your phone is lost, stolen or damaged and you to purchase a replacement, you could find that the new models of the iPhone will set you back in excess of £500, sometimes much more, depending on what specification you go for! iPhone insurance will cover you and provide you with a new handset, or a refurbished one that is as good as new, which means you don’t need to worry about shelling out hundreds of pounds for a new phone!

Shop around

It makes sense to shop around for the best cover, and here are a few things to think about when looking for iPhone insurance:

• Length of the policy – the standard is 12 months
• Payment options – can you pay monthly or is it an annual, one-off payment
• What’s covered – is accidental damage included?
• How long will it take them to process a claim – i.e. how long will it take them to get a new phone to you. If you’re using your iPhone for business, you may wish to pick an insurer who offers a quick replacement service.

By using a comparison site such as Uswitch.com or Money Supermarket, you can quickly compare deals on iPhone insurance to see which company offers the best value for money. The average price for iPhone insurance for the most popular models of the brand is from £90 to £110.

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