Friday, November 30, 2012

Are You Getting the Most Out of Your Mobile Phone Insurance?


You have a new cell phone plan and a brand new, expensive mobile phone. Because of your home and job locations, you have to get the best possible mobile phone insurance you can afford. How do you determine what coverage you need in your insurance for the money you have to pay for each monthly premium? How do you determine if you are getting a bargain or not? You shop, and the best place to do your shopping is online. Google mobile phone insurance, and you're on your way to the best insurance fit for you. Now, consider your coverage needs before your loss occurs.

Theft, Loss and Fraud

What do you do if you're walking through the city, the crowd jostles you around and someone steals your mobile phone from out of your hand while you're using it? You go to a pay phone or borrow a cell phone from a friend and call the police. You give the police a detailed description of your mobile phone, and you are thankful that you have activated your phone's GPS.

However, your phone does not show up, and worse, someone keeps racking up huge amounts of minutes on your phone. As hard as you try to show that the calls are fraudulent, your carrier still demands money before closing down the account.

Similar to theft, if you lose your phone and someone else picks it up, if they aren't honest, you could have a similar scenario as I described above.

Accidental or Liquid Damage

Any time you drop your phone, you risk internal damage, but the most damaging accident could be getting the phone wet. You need to be sure that your insurance covers your phone for damage, including immersion.

Overseas Coverage

If you travel overseas for work or pleasure, you need to be sure that your mobile phone insurance covers your phone for the areas you visit or work. Of course, such service is vital for military service members who must live abroad for many months at a time, but want to maintain local phone numbers for their families back home.

Shopping for That Perfect Policy

These are the major concerns of most insurance buyers, so as you shop, be sure to get at least enough mobile phone insurance to cover your prized 4G smartphone and protect it from them. You will have added apps to your smartphone library and taken many photos or videos with its digital camera/camcorder. Of course, you will not want to lose those, so check to see if any of the policies offer online backup of your files.

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