Do you have mobile phone insurance?
I didn’t until lately, it proved costly!
Did you know 61% of mobile phone claims are for damage?
The first time I had mobile phone insurance was when I was young and I took it out through Carphone Warehouse when I get my first contract phone with them. I was out one weekend, had a bit too much to drink, woke up the next morning and my phone wasn’t anywhere to be found. My guess was I either lost it or it was stolen when I was out.
I reported it to the police and put my claim in with Carphone Warehouse to get a replacement. A few weeks later I received a letter from them and was told there wasn’t enough evidence to prove my phone had been lost or stolen so they wouldn’t be paying out. I was so angry, yes it was my own fault my phone was gone but I had been paying my insurance to cover this and they refused to pay out.
I have never been back to Carphone Warehouse since and have always avoided mobile phone insurance because I believed it was a rip off after my previous experience.
Even when I had an iPhone, I found you could just look at them and they would break! I lost count of how many times I had to replace my iPhone. Smashed screen, water damage, buttons suddenly stopping working etc…
Then I changed my phone to a Sony Xperia Z3 and I had no trouble with it at all. I dropped it a number of times and it even survived being dropped in the bath a number of times because of it’s water proof feature! I thought the phone was pretty much indestructible…
However, I have a heart problem and it can cause me to collapse at times. I got out of bed one morning and went to wake my daughter up and on the way out of her bedroom I collapsed with my phone in my hand. When I came round, my poor phone was smashed on the floor. Apparently it had hit the corner of the radiator as I fell.
It wasn’t able to be fixed as it was that badly damaged. I was on contract with o2 by this time and I spoke to them and there was nothing they could do because I had no insurance.
My options were buy a cheap phone and make do for the rest of my contract until I could upgrade or pay off my contract early and get a new phone.
I decided I would have to pay off my contract early and get the new phone as I update my website and Facebook page on the go so I needed a decent phone.
This made me learn my lesson about mobile phone insurance. I had a bad experience with Carphone warehouse but I have had to realise not all insurance policies are there to rip you off.
I have been looking into lots of different mobile phone insurance policies lately since I got my new Sony Xperia Z3+ (amazing phone btw, highly recommend it!) and the best company I have found is ‘Protect Your Bubble’
They seem to be one of the cheapest around, cover pretty much everything in their T&C’s and you can also get a discount if you cover more than one item with them.
Or, sign up here for their family bundle where you can insure 4 items from £12.99!
With the family bundle I was able to insure 3 mobile phones and an ipad for only £12.99 a month!