The phone insurance is theoretically good, but it is necessary to know all detai

Posted by AmandaTom on January 8th, 2013

Spending $5 a month for a phone insurance from your phone insurance can seem very practical. On top of that, your mobile phone salesman might be very persuasive in the way he describes how insurance on iPhone can benefit you as a consumer. Not to discredit these people or phone insurance itself, but let’s face it, part of the unique appeal of insurance is how it is marketed and how beautiful it seems in concept, but how it could also disappoint a consumer when the time of claiming arrives. There are numerous reasons why consumers should insure their phones and while in theory, they make sense, sometimes, there are aspects that you have to be aware of so that you will not make the wrong decision and receive nothing from your insurance. again, there is nothing wrong with insurance since it is very beneficial for consumers, but it also pays to know which situations you have to take into consideration to find the proper coverage.

Look at the fine print and its finer details

Phone insurance is as confusing as many other things in the market. in fact, there are independent providers who offer a variety of riders and other perks. But more than just these perks, you have to take note on what is actually being offered by your insurance on iPhone. it is common to see phone insurance that covers your phone from loss, theft or phone damage. Sadly, you cannot expect that everything is fine, dandy and perfect. You have to know all the details of the phone insurance since this will help you in making smarter decisions on which one is best for you and if you actually need a policy at all.

One thing to look into would be the number of claims that you can make within the term of the insurance. how many claims are the limit of the company? some mobile network providers only accept 2 claims per year. Some insurance companies do not have any limitations on the claims but you still have to take note about the speed of their claims processing. At the end of the day, you do not want to spend the rest of your time wasting yourself in a claim that might not even be pushed through due to technicalities. It pays to read the fine print since this will surely protect you from possible risks in the long run.

Also, some companies might not accept claims for damage that are directed towards changing the color, texture or the finish of the phone. when they say damage, they might have specific meanings that they have implied. If the terms are not clear, then leave that and move to another option. You can also ask the company what is being covered or not. This way,  you have a clear idea on what each sections and clauses of the phone insurance meant and you can judge if the policy actually makes sense or not. At the end of the day, you do not want to be stuck with a plan that does not do you any justice at all.

Find a plan that is worth your money. we carry a wide variety of phone insurance options to help you make smart decisions on the security of your phone. visit our site and get your very first insurance on iPhone.