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Now you have obtained a new mobile phone and committed yourself for the subsequent 18 to 24 months to your phone network, you will probably want to get some insurance in place to cover your new gadget. As you probably know, your mobile phone was only given to you free of charge by your retailer, as you have assured them with a guarantee of your business for the term of your contract. That is a guaranteed income source for them for the following 24 months.

As you have assured them of guaranteed income over the coming months, they are more than pleased to give you a free mobile phone, to reward your custom, as well as to interest you to the offer in the first place.

But where would you stand if you misplaced your new phone? Well mostly, you would have to stand the replacement bill, unless, you had some valid mobile phone insurance ready for your phone. The replacement cost of phones will be different from make and model, but a rule of thumb price would be around the 300 GBP range, with the most recent iPhone being in the higher price range of around 650 GBP.

There are several general methods you can use to protect your phone, let's look at them quickly, one by one.

When you take out your new phone agreement, you will almost defiantly be offered mobile phone insurance by your dealer or network provider, generally for an additional monthly fee of around 9 GBP to 16 GBP, depending on the network and the make and model of the phone. This normally seems to be the highest price insurance option that will be available to you.

Secondly, you could include your mobile phone to your home contents insurance policy, as many policies allow you to add individual personal things of value. This can sometimes be very much worth, as you may not be charged an extra fee. Caution should be taken though, as you will probably find in the event of a claim being made, the complete claim process could take many weeks to get resolved. It would also be prudent to know the excess fee you would have to pay with this method, as it could be set fairly high.

Finally, a very common option at the moment is using an independent insurance company, who is not associated with the phone network or retailer to provide you with insurance cover. This is referred to as standalone insurance and is commonly found on the internet for around half the value the retailer or network provider would charge.

All in all, it could well be good practice to research on mobile phone insurance before you purchase your new mobile, thus, allowing you to select ahead the best insurance product for you, before you take delivery of your new mobile phone.

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