life insurance

Mobile Phone is the most popular gadget in the UK and are increasingly high tech and versatile. The newest phones are more like mini-computers that traditional phones, and they become more functional and essential to our way of life, it becomes increasingly difficult to do without them any longer.

The problem is that we take our phones everywhere and use them constantly, so there are plenty of opportunities for them to be lost or damaged.

Many people choose not to provide mobile, reasoning that they are too shy to let the phone is lost, broken or stolen. The figures show how these ideas are wrong. According to the BBC, an average of 228 mobile phones reported stolen every hour in Britain last year, and 6% of all teenagers had stolen the phone mode, these twelve months. Statistics are lost and broken phones equally terrible.

These appalling numbers suggest that, no matter how carefully you think you are, you can not guarantee with 100% certainty that your phone will not be lost or damaged at some point. If your phone is unable and have no insurance, then you have no choice but to pay for a brand new handsets, often at great expense. For students or people with low income, having to pay unexpectedly for a new phone can put pressure on already tight finances undesirable.

Also, some people think they do not have to buy insurance mobile phone at hand because they assume that the cost of replacing lost or damaged phones will be covered by their existing insurance policy. In some cases this is true, but it is important to remember that domestic policies are often heavy loads in excess can happen if you claim, because a lost phone. Not only that, some policies have a major no-claims discount which would be waived if you apply for a mobile phone. For these reasons, it is often profitable to use a household insurance to cover something like a cell phone because he could end up costing you more money, as you might think.

For phone users Pay & Go will sometimes without insurance may be an acceptable risk, the only real cost of losing a phone is a replacement. But if you're on a contract phone, it is also the possibility that if your phone is stolen, it could be used to accumulate hundreds or thousands of pounds in call charges to you before you even realize that the phone went and have a chance of having blocked the handset. You will also need to continue paying the contract fee each month for the contract, even if you do not have the most combined. Therefore, all with a contract phone is strongly encouraged to ensure they have good insurance that will cover their mobile phone in case of accident.