Mobile and Cell Phone Insurance

A lot of mobile and cell phone network carriers offer insurance for the phone handset in the instance of theft or loss.

We've heard from a few owners of cell / mobile phones - who have taken up the option and payed somewhere between $3 US and $5 US per month to obtain the insurance.

The problem is, like any insurance - getting payment on a claim can be tricky. The phone and cell phone carriers will do their utmost to get out of claims. Many will only cover for theft, and it can be hard to prove theft in some instances. (As many users will lose or misplace their phone and still try and claim theft)

A more wide ranging cover for your mobile and cell phone - covering damage, theft and loss is probably the best way to go. With this broad coverage you will not have as much trouble trying to prove anything.

It also pays to do the sums. If you're paying a high rate of mobile / cell phone insurance (Say $7 a month) thats something like $84 a year. In under 2 years you could have a new decent phone for that amount, or the insurance could be paying for your call bills.

It also comes down to your lifestyle, if you risk the phone weekly (at work or in risky locations) then certainly it may be worth the coverage.

We'd like to hear about your cell phone insurance stories? Good and Bad - please comment below.

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