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What do you need to know about iPhone insurance?

Published on 02 September 13
What do you need to know about iPhone insurance? - Image 1

Getting iPhone insurance has become the need of the modern time when everything we have is in our smartphones and we cannot risk losing them. This technological investment sure is something that needs protection. That is why a number of iPhone insurances are available now to make you protect your phone and live a comfortable life. If you do not have your phone protected with insurance then you might end up losing the entire investment if the phone gets damaged and your phone becomes useless. Furthermore, if you lose your phone then it will be also a major loss for you.

There are many benefits the iPhone insurance can offer to your phone. Here are a few of the best uses of getting insurance for your phone:

Recover the stolen identity

With the loss of the phone, your identity can be lost too. This can be much shocking if there is no insurance. The thief can make wrong use of your credit card information. A great thing is that the iPhone insurance will provide protection against the stolen identity.

Easy upgrade

The insurance can offer you device protection and upgrade. The insurance can protect the value of your device. The insurance provider can offer you device buy-back guarantee too.

Easy to locate the device

When the phone is stolen or if it is lost then the first thing you will be worried about is your personal information. The insurance can offer you a way to create back up for your contacts, your text messages, and call logs. You can also locate your device and lock it if it is not protected with a password. You can even erase your personal information i.e. credit information, contacts etc., which will be surely a relief.

Mechanical, accidental and liquid damage

The insurance can pay for the repair and replacement cost of your phone. If there is a mechanical breakdown in the phone, you have broken the screen of the phone accidentally, or you have dropped it in water, there will be coverage for it. If the phone needs repair, it will be repair and if it needs replacement then that will also be provided.

Are insurance and warranty similar?

Although mobile providers offer insurance too but you can also approach to some third party for the insurance. There are some people, who confuse insurance coverage with warranty. Warranty does not provide any protection against theft. The warranty will cover the phone only if there is something wrong with the device. When you will purchase the iPhone, Apple will be offering limited warranty. It will be of one year only. You will get 90 days free telephone support too. What will you do when the warranty will end? Apple products are not easy to replace and to invest into again and again. If the warranty period will over then there will be no compensation, and you will have to pay for the phone’s expense. The insurance on the other hand will provide protection till you own the phone. The most important thing is that the insurance cover from -£5.99 per month will not be that expensive after all.

Where to get the insurance from?

There are many people, who think insurance is just a paper weight on their pocket. To be honest, it is the need of the time. You will need it if you wish to protect your phone. The monthly premium that you will have to pay won’t be hard to bear. It will just save you from sudden expenses and stress of losing important data. Hence, making your life easy is all in your hands.

If you are willing to get insurance for your iPhone then you can get it from the third party insurance providers, your bank, or even your home insurer. Many of the home insurance policies have the provision to cover phones of the owners too. It will fall under the category of your personal property so your home insurance might cover it. Do check in your home insurance policy before purchasing the iPhone insurance. Contact some of the best known insurance companies and check their policy for iPhone insurance. Clear every term and condition before agreeing and with this approach, you will get the best insurance for your smartphone. When you are investing money in something like this then you must make the most out of it too. If you can afford to lose the phone, useful information and contacts or you can get another phone easily then the choice is yours, you can always forgo the insurance. However, the insurance will give no harm so you must not have any excuse to get the insurance for your smartphone.

The recovery of the loss will depend on the type of coverage you have purchased. If there is replacement cost coverage then the insurance company will be paying for the replacement. If there is cash value coverage then the insurer will pay for the depreciated value of the device only. You need to opt for the best coverage. Therefore, organize a meeting with your insurer and ask him which coverage would be best for you. Evaluate the pros and cons of each policy and then select the one. Stay protected and get the insurance for you and other members of your family owning iPhone.

Author bio:

This guest post is written by Muhammad Azam who is an avid blogger and journalist. He has previously written articles for Gadget insurers like which offer best iPhone and other gadget insurance quotes.

This blog is listed under Gadgets and Mobility Community

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  1. 22 April 14

    If want to recover iPhone data after deleting, you can use the iTunes backup, follow the guide from apple.

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