How To Get Mobile Insurance

Bad Luck Happens

Imagine you’re sunbathing at the pool with some friends, enjoying the warm weather and chatting happily. As the afternoon continues, the weather becomes hotter and you decide to take a dip in the pool. With a little encouragement from your friends, you even decide to take a jump off the pool diving board. As you splash into the cool water below, you remember with a shock that your mobile phone is still nestled in your pocket. You climb out of the pool as quickly as possible, but by then it’s already too late. Your expensive mobile is already destroyed. It’s at this moment that having mobile insurance is most important.

Step 1

The first step is to find coverage that fits your needs. Let’s face it, mobile phones are becoming more and more expensive every day and mobile insurance is a necessity. The basic flip phones of the previous decade have been replaced by expensive touch screen devices and smart phones. Furthermore, we all keep a great deal of important information on our mobile phones – from photos and emails to text messages, games, bank account info and more.

Step 2

The next step is to consider how much you want to spend. While dropping, losing or jumping into a pool with a phone used to be a simple mistake, today it can be a dramatic loss. It is for this reason that mobile coverage is extremely important. While choosing not to buy mobile insurance may save you money at first, it can end up costing you a lot more.

 

Step 3

Thirdly, find out if your provider carries coverage. How can you get mobile insurance without paying more than the phone itself? Luckily most mobile providers also carry insurance for their customers and for just a little more money each month you can protect your important cell phone. Generally, providers will offer you the option to select this insurance as soon as you activate your new phone or mobile plan. If they do not, most providers will also allow you to add it to your plan later on. Always be sure to ask about insurance when you purchase a new phone.

 

Step 4

Next, be sure to cover your expensive electronics. If you currently have a cell phone and no mobile insurance, you should be sure to remedy this situation immediately. You never know when something unexpected could happen to your phone. You might drop your phone in a sink full of soapy water, down an elevator shaft, or it could be stolen by a crafty thief. When it comes to your expensive electronics, especially one as important as your mobile, it’s important to take every possible measure to prevent a loss.

Step 5

Lastly, consider other providers. If your current mobile service provider does not offer the protection you need, or is offering insurance at a rate that is more than you can afford, you may want to look into mobile insurance from a third party. However, before you invest in insurance from any company, you should always take time to compare quotes from multiple providers.

Tips

One thing to keep in mind as you look for mobile insurance is to beware of scams or rip-offs. Some companies may simply rip you off by charging more than they should, but other companies may scam you out of your money and offer no protection at all. Be sure to research each provider and select a plan from a company you can trust.

 

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