| iPhone insurance cover is designed to help you | | | | gadget cover and so you are not only able to have |
| financially in the event of the theft, breakage or | | | | your phone replaced but also may be able to get |
| accidental damage of your iPhone. | | | | your data and contacts back; |
| Often known as gadget insurance, covering your | | | | · without iPhone insurance cover, if your iPhone |
| iPhone may work out a cost-effective way of | | | | were to break after the warranty period has expired, |
| making sure that should something happen to your | | | | you have the problem of finding someone to repair |
| iPhone, you won't stand to lose out too much | | | | your phone locally or have the costs of sending it to |
| financially nor spend too much time waiting to get it | | | | the manufacturer, which may be costly as well as |
| replaced or repaired. | | | | time consuming; |
| As with most insurance policies, you'll be liable for a | | | | · if the phone breaks and it is not repairable, |
| policy excess (an amount that you will need to pay | | | | without insurance you have no option but to replace |
| which will have been agreed when you took the | | | | the phone yourself; |
| cover out and which will vary from provider to | | | | · you may be without your phone for some time |
| provider). | | | | when sending it for repairs. Typically, if you have |
| So, what are the reasons you may wish to consider | | | | insurance you may have a replacement or a repaired |
| iPhone insurance cover? Consider the following: | | | | phone in as little as just a couple of days depending |
| · the manufacturer's warranty that comes with your | | | | on your provider; |
| new phone only lasts for a certain length of time | | | | · if you travel a great deal and rely on your phone |
| before it expires; | | | | when outside of the UK, some iPhone insurance |
| · the warranty typically only covers defects and | | | | policies typically provides the same protection |
| manufacturing faults causing your phone to stop | | | | overseas, which means you have one less worry |
| working. Generally the warranty does not provide | | | | whilst travelling; |
| insurance for accidental damage or theft of your | | | | · choosing to purchase an iPhone insurance policy |
| phone, though additional cover may be bought at the | | | | and spreading the cost of the cover monthly may be |
| time of purchase, for a fee; | | | | a more affordable way of paying for protection that |
| · the iPhone is a very technical piece of equipment | | | | in one up front lump sum. |
| with a great deal of circuitry in it and it only takes | | | | Finally, don't forget to look out multi-cover gadget |
| one small thing to go wrong to bring the phone to a | | | | insurance policies that can protect your iPhone and |
| halt, potentially making it vulnerable to breakdown; | | | | several other named gadgets all under one policy, |
| · the peace of mind you would get from knowing | | | | often for a small additional fee. |
| you wouldn't have the financial burden of repairing or | | | | When looking for gadget or iPhone insurance, bear in |
| replacing the phone, should it be stolen or be | | | | mind that exclusions and limitations will generally apply |
| accidently damaged; | | | | and terms and conditions as well as price and cover |
| · however much care you take with your phone, | | | | will vary from provider to provider. Therefore, it is |
| accidents happen and your phone may slip from your | | | | important to always ensure that you are buying the |
| fingers and break or be damaged at any time; | | | | cover that is most suitable for your needs. Do note |
| · phone theft may be a worry and if you lose your | | | | also that you may be liable for a policy excess if you |
| phone, you lose your data and your contacts. Some | | | | make a successful claim. |
| providers offer backups of these as part of your | | | | |