Mobile phone insurance

Some network service providers offer insurance for mobile phones if you sign a service network connection agreement (contract) with them. Generally mobile phone insurance covers loss, accidental damage and theft. However, some of these insurances do not cover the mobile phone if it was damaged or stolen when left unattended. Check the insurance policy for:

• exceptions (situations when a claim will not be paid);
• cancellation fees and compulsory periods;
• the cost of premiums (monthly payments you need to make to continue to have insurance cover);
• an excess that may apply to claims (the part of the total cost of a claim that you will have to pay).

You may find that other insurances such as house contents or comprehensive car insurance will cover the mobile phone in certain circumstances. Check with your insurance company for details of coverage.

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