How to get cheap phone insurance?
Cheap mobile phone cover can be hard to find. The more expensive your phone, the more expensive your mobile insurance. You’ll need to shop around and compare the cheapest phone insurance quotes to get the best mobile cover deal.
The monthly price you pay for mobile phone insurance is known as the premium. Phone cover premiums can be as little as £5 a month and as much as £14.99 a month or more.
Compare phone insurance policies to make sure they offer the exact cover you need. Don’t be rushed by phone salespeople. You’ll get the cheapest mobile insurance quote by shopping around.
Other types of gadget insurance
Gadget insurance doesn’t just cover mobile phones. Gadget insurance can also cover laptops, e-readers, cameras, smartwatches and other wearable devices, and game consoles.
Your laptop isn’t just a mobile computer. It is what you use to work, rest and play. Losing your laptop, or damaging it can be an extreme inconvenience and replacing it is often expensive. This is where laptop insurance can save you hundreds of pounds. But make sure to shop around to compare laptop insurance offers to get the best deal.
Some laptop insurance policies may also cover your laptop against loss, damage or theft when you’re working abroad.
Some gadget insurance for laptops includes cover for repairs if the laptop is infected with a virus. Laptops can cost thousands of pounds. You’re laptop insurance will need a good level of cover to replace the laptop if it is stolen.
Lots of insurance companies offer laptop insurance. You’ll need to compare laptop cover to get the cheapest quote and find the best deal. Don’t be rushed by laptop salespeople.
Gadget insurance can provide camera cover. Photography is about capturing the world. Cameras travel with us, wherever we go in the UK and abroad. Photography is also an expensive hobby, with cameras easily costing hundreds or thousands of pounds.
Replacing your camera can be very expensive, if you happen to lose or damage your gear. This is where camera insurance can give you the peace of mind in knowing that if the worst happens, you’re covered. This way you can focus on taking the pictures rather than worrying about your gear.
Multi gadget insurance
Some insurers offer cover for multiple devices, often at a discount. Multi gadget insurance could provide the cheapest gadget insurance quote overall.
A family bundle gadget insurance policy will cover all the gadgets in your household.
How many gadgets you can cover with multi gadget insurance will depend on the insurer. Some policies offer unlimited cover for your gadgets. Others will specify a limit, for example 10.
If you have several gadgets you want to insure, compare multi gadget insurance quotes to get the cheapest deal for you.
You should also compare gadget insurance policies for individual gadgets to find the cheapest gadget cover overall.
What is covered under gadget and phone insurance?
You’ll need to compare gadget insurance policies to find the right gadget cover for you. Gadget insurance will typically cover:
Accidental damage: Dropped your phone or sat on your laptop? Most gadget insurance will cover cracked screens.
Loss: Left your camera, phone or laptop on the train and no sign of getting it back? Gadget insurance will usually payout.
Mechanical breakdown: If you gadget dies after your warranty has run out, gadget cover will typically pay for a repair or replacement.
Theft: Cameras, phones, laptops and other devices attract thieves. Gadget insurance covers theft as standard.
Compare gadget insurance
When you shop around to compare gadget insurance quotes, it’s important to consider a few things:
Cover level: Check the maximum level of cover, especially if the gadget insurance is for an expensive device. Compare gadget insurance to check whether your specific device is covered. Some gadget insurance may only cover devices up to a certain age, for example.
Worldwide cover: Gadget insurance with worldwide cover will cover your gadgets anywhere in the world. For example, when you go on holiday. Gadget cover included in travel insurance policies can have low limits and the excess is typically higher.
Excess: The excess is the amount you pay towards a claim. For example, gadget cover may have a £50 excess. If you lose a mobile phone worth £500, your insurer would pay out £450. Policies with higher excesses might be cheaper.
Other features: Compare gadget insurance policies to get the best gadget insurance cover. Check the gadget insurance cover all the basics, like accidental damage, cracked screen, liquid damage, loss, theft, and cover for accessories.