iPhone Insurance Cover
There are quite a few things to consider when purchasing phone insurance. The greatest factor when deciding whether to opt for some insurance is primarily based upon the handset cost.
If you only had a handset that would cost you £50 to replace, then investing in an insurance product that is going to cost you £76 to purchase would be a bit of a false economy. However, lets talk iPhone 4S! As of it’s launch date in October 2011, we are looking at a minimum value of £499 (the retail price from Apple online for the 4S 16GB -maybe more from your local phone retailer).
That’s changed the sums a little bit. £76 to protect your new 4S from loss, theft, accidental damage and will probably (dependent on your insurance provider) cover you for fraudulent calls made on the handset before you can get its loss or theft reported to your network provider. –(Side note: Check any iPhone 4S insurance policy you take out includes cover for fraudulent calls made before you report your phone missing, as some companies only cover you for calls made after the sim has been blocked –yeah, really silly, but you could end up with a huge uninsured phone bill)!
The premium may now start to look a lot more attractive and beneficial, specially when you consider some of the following statistics:
- A high percentage of iPhone users take their handset with them everywhere they go.
- Over 35 million UK mobile phones are not insured.
- It is reported by Uswitch over 1m phone insurance claims were made in 2010 in the UK.
- According to British Transport Police, phone muggings have risen by over 30% in recent years.
- Lifestyle service Group claim that over 25% of smartphone owners have claimed more than once in the last year.
- Consider Protecting your new iPhone4S with a decent insurance policy.
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Insurance is now available for the new iphone 4S, you can compare prices on the comparison table above. Why pay more?
Think about it, how many personal possessions do you carry around with you every day, pretty much everywhere you go that are worth £500-£1,000? For many of us there’s only one and that’s the iPhone. If you don’t take out iPhone insurance, would you really have the funds available to replace it quickly if it gets lost, stolen, damaged or breaks down?
Millions of iPhones are sold in the UK every year and figures are rising daily, but what are the risks to your iPhone and the advantages of having iPhone insurance?
- Why invest in iPhone insurance – what can it do for you?
iPhone insurance will cover the value of your phone at the time it was stolen, lost or damaged and give you a replacement. Whether you have an iPhone 3G, iPhone 4 or you intend to invest in the new iPhone 5, iPhones are the most popular mobile phones in the world – Sleek, chic, leading technology that everyone seems to want to get their hands on including thieves. Due to this and their value, iPhones are more vulnerable to theft than other mobile phones and are among over 100,000 mobiles stolen in the UK each year.
Of course you can’t necessarily stop someone from stealing your iPhone and re-selling it, but with iPhone insurance you can get a fast, free replacement so you won’t be left out of pocket. There are many stories of iPhone owners trying to stop thieves who have targeted them for their iPhones but if you know you have iPhone insurance you don’t have to put yourself at risk. You can simply let your iPhone go without any harm to yourself, knowing you’ll have another iPhone within a few days.
- What does iPhone insurance cover you for?
Most iPhone insurance policies automatically cover your iPhone for; theft, accidental and liquid damage, breakdown and standard worldwide cover. Some will also give you cover for unauthorised calls if your phone is stolen and extended warranties, so if your iPhone develops a mechanical or electrical fault and the manufacturer’s warranty has run out you’re still protected. It’s important to check the terms and agreements of every iPhone insurance policy as details vary between providers. For instance some iPhone insurance policies will not cover your iPhone for breakdown unless it’s a result of damage.
Cover for loss of an iPhone is not automatically included in every iPhone insurance policy, so if your iPhone needs protection for loss check it’s included. Due to some iPhone insurance scams where people have fraudulently claimed for loss, a few providers are reluctant to cover for it. There may be an extra charge for loss on some iPhone insurance policies but it’s usually worth it as, with any lightweight mobile gadget, iPhones can be easy to lose on your everyday travels.
- How much does iPhone insurance usually cost?
It is possible to get yourself a cheap iPhone insurance deal, as policies usually range from £7 to £15 a month. Investing in a cheaper deal doesn’t necessarily mean you have to lose out on any benefits either. Some of the cheaper iPhone insurance policies can give you fully comprehensive cover plus unauthorised calls and other benefits.
Considering the cost of iPhones, the risks involved in having one and the low-cost iPhone insurance policies available, it makes perfect sense to protect your iPhone with iPhone insurance. While it’s important to take out iPhone insurance as soon as possible after you’ve purchased your phone it’s also worth shopping around for a cheap iPhone insurance deal.
- Where to find the best iPhone insurance deals.
There’s a vast selection of iPhone insurance deals from top providers on the UK market today. Most of them can be found online. Before racing in and buying iPhone insurance with the supplier you bought your iPhone from, check out iPhone insurance reviews or compare prices on comparison sites. You can save money as well as time.
Finally, you may be thinking ‘why not just insure my iPhone under my home insurance’ but there are certain disadvantages to this route. iPhones are at risk of loss, theft and damage everyday so you could easily lose your no claims bonus if you insure your iPhone under home insurance. Also the excess on personal possessions/home insurance is usually at least £200+ whereas dedicated iPhone insurance is usually around £75. Consider the options, so you can make an informed choice.
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We believe Supercover iPhone insurance cover is fantastic value for money. A real alternative to O2, Orange and the Carphone Warehouse iPhone Insurance.
If you buy our iPhone Insurance today and pay for 12 months cover, we will give you an extra 3 months protection absolutely FREE!
Due to Insurance fraud, Supercover Insurance, in-line with other insurance policies, no longer offer loss protection on all new iPhone insurance policies. (Click the play button above and hear how insurance companies are clamping down on false claims)!
Supercover iPhone Insurance Price is cheaper than both O2 and the CPW!
How Much Does it Cost?
If you pay monthly: Just complete the online Direct Debit mandate and get the first month FREE. Then make 12 payments of £8.99, then you will get a further 2 months FREE iPhone insurance.
Over the 15 months policy life, for comparison, the monthly equivalent would be just £7.19 per month.
If you buy 12 months cover up-front: Buy 12 months iPhone Insurance in advance by card for £107.88, and you will receive an extra 3 month cover FREE! Thats 15 months insurance cover for your iPhone for the price of 12.
After the 15 months, you will have an option to carry on your iPhone Insurance on a monthly basis for as long as you require.Mbr<
Supercover iPhone Insurance covers many scenarios, should your iPhone be stolen, then Supercovers rapid 48 hours claims handling service will have you sorted out quickly and efficiently, with the minimum of fuss!
Click Here to purchase great value Supercover iPhone insurance for the 3g model from the monthly equivalent of less than 24 p per day over a 15 month period.
All iPhone Models for the annual price of just £107.88 for 12 months cover and Supercover will give you an extra 3 months cover FREE, so you get a total of 15 months iPhone insurance cover.
Need to know more about supercover iPhone insurance? Visit our main iphone insurance page here
