iPhone 3GS Insurance andThe Cost Of Buying It

Some home contents policies will cover mobile phones, but that doesn’t protect the phone if it’s lost, damaged or stolen outside of the home. Mobile phone insurers won’t charge a lot for the cover. It’s available for as little as 2 pounds a month, although the cheapest policies only cover accidental damage. If you want protection against theft, loss and accidental damage either domestic or worldwide the costs increase to around 5 pounds.

The best prices can be found online. High Street insurers have overheads that need to be covered, so tend to charge a little more. A good comparison website will give you an idea of costs from a range of insurers including the 5 mobile phone networks and all leading insurers.

Some insurers offer fixed term contracts whilst others allow buyers to pay per month and cancel with an agreed notice period. If the phone is under contract with the mobile network, a contract for insurance could be advantageous.

That’s especially true for people with long term contracts. Mobile phone service providers are offering longer contracts nowadays, partly to pay for more expensive handsets, so 18 or 24 month contracts are now commonplace. The contract has to be paid each month even if the handset is lost or stolen. Without insurance there would be two options. The first involves using an older phone from a previous contract and the other option is spending up to 700 pounds to buy another iPhone from Apple. Neither of which is an attractive proposition when compared to the cost of phone cover.

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