Which mobile phone insurance?

do tmobile use?i dint take it out when i got my phone couple of months ago,but now want to take it out

Answers:

As with any long term or forward looking agreement, be sure to read the large, medium and small print entirely. While the hard detail will vary from policy to policy, there are some important things to watch for:

* what exactly are you covered against?

* what are you NOT covered against – i.e. check specifically for the types of theft against which you are covered, as many policies will not, for example, allow a claim against theft which is not violent

* is there an excess you’ll need to pay?

* how much will it cost?

* are you covered – for loss, theft, damage of any kind – away from home?

* if your phone is lost or stolen abroad, will you have to wait until you return home to get your replacement? If not, will there be carriage costs to pay?

* are you covered for any calls made on your phone after it’s been lost or stolen but before you realise and report it?

* will you get a brand new phone or does the insurer’s policy allow them to send you a refurbished one?

The main advantage of getting insurance from your network operator is that in the event of loss or theft, you’ll get a new phone sent to you straight away, normally within 24 hours, but there are alternatives – many offering more comprehensive cover than your network operator.

Some customers find that their regular home policies can be extended to cover mobile phone use – even away from home – and this can often provide a more practical alternative.