Check If You Need Cell Phone Insurance or Not?

by Chinly L. Personal Generally speaking, cell phone insurance will cost 5$ per month and at least 60$ a year. There comes the question among many people: is this insurance necessary? Well, it depends. What is more, cell phone insurance price will vary from insurance policies and companies that might need a big expense out of your pocket based on your phone model.

Who might need this cell phone insurance? Check here:

1. You have bought an expensive mobile phone.
2. You depend on your smartphone and would require a prompt replacement in the event that it was lost, stolen or damaged.
3. You are not in a position to replace the cell phone and don’t want to downgrade to a cheaper model.
4. You have a history of lost or broken phones.

If you are in this club, you should take into consideration mobile phone insurance. In most case, this kind of insurance will cover your phone in the case of stolen, lost and broken. Also, some provide cover damage through accident, fire, etc. Or, games. Apps, music and other valuable content as well as phone accessories.

However, things not covered under mobile phone insurance including theft without force, unreasonable carelessness, leaving the phone behind accidentally, damage due to water, delay in reporting the loss of theft of your smartphone as well as a new replacement phone.

A wise way to get the insurance for your phone best suits your need is to have a conversation with the insurance company and state your questions clearly. There are many insurance companies in Singapore which are able to provide these services. Making a comparison would be another smart strategy before your final decision as policies differ widely, both in the cover they provide and their exclusions.

Of course, the foremost thing is that you should take good care of your handset. If you don’t take reasonable care of your smartphone it might not come under insurance coverage. Your insurance company might not pay the claim on the basis that you didn’t take reasonable care.

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Created on Dec 31st 1969 18:00. Viewed 0 times.

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