Mobile Phone insurance

goggle

I have never seen the point to mobile phone insurance as I've always had very cheap phones worth far less than the annual premiums. To date I have never damanged a phone or lost one - however now I have a touchscreen phone I'm seriously considering insurance in case the screen cracks or anything.
What's the general verdict on insurance for mobiles?
(I'll likely go for "Orange Care" at £6 a month)

DUTR

goggle wrote: »

I have never seen the point to mobile phone insurance as I've always had very cheap phones worth far less than the annual premiums. To date I have never damanged a phone or lost one - however now I have a touchscreen phone I'm seriously considering insurance in case the screen cracks or anything.
What's the general verdict on insurance for mobiles?
(I'll likely go for "Orange Care" at £6 a month)

If you have been careful with the handsets then there is little need for the insurance, if it is a smartphone that you have, then do back it up regularly.

spiro

1) How many months/years have you had a mobile phone without breaking/loosing it?
2) How much does your current phone cost to buy on PAYG?

If the answer to (1) * £6 is greater than the answer to (2) dont bother. If you are worried put £6 away every month just in case.

goggle

I have had a mobile phone for 15+ yrs with no problem, however I've gone from a very cheap handset - the sort you could have replaced with an ok equivalent for maybe £20 - to a much newer model which seems to be around £350 to replace ...
I guess I'm more worried that it will get stolen as it's a more attractive handset (not iphone-desirable though!) or damaged as it's now touch screen & thus I imagine deep scratches etc may affect performance whereas before it never mattered, it just looked a bit ugly if it got scratched!

£6/m (£72/yr) starts to sound reasonable against £350 replacement cost ... especially if something happens in the first few months ...
I guess I'm starting to talk myself into the insurance but really wondered what other people thought about it!

finlay666

Look at separate insurance

If you shop around you can usually get a better deal than the retailers insurance

goggle

any recommendations for insurance providers then?

spiro

Have you checked if it can be cover under your home contents insurance?