Getting your iPhone insured against accidental damage, liquid damage and theft is a great way to add peace of mind to your lifestyle. It simply means that wherever you are in the world and whatever you’re doing; you don’t have to worry about damaging your iPhone.
But with so many different insurance providers out there it can be very confusing to work out which one to go for. There are ways in which you can save money by doing a bit of research and also understanding how the market works.
When you buy your iPhone from a high street retailer you’ll probably be offered insurance with the high street store you purchased it from. While you might be tempted to go with their policy for convenience and trust, you’ll be paying a much higher price for it, for example £10 to £15.
High street retailers can get away with charging more for their insurance because most people buy it with the phone for convenience and it’s all dealt with in one transaction. However, you can save a lot of money of you go elsewhere. The best price to pay from third parties is normally around less than £10.
There are other insurance companies out there which will offer you a better policy and at a much lower price. What’s the difference? You might not have heard of the name of a third party insurer, but if they’re regulated by the FSA; you’re safe to go with them. Their policy will be exactly the same as the one you were offered from the high street retailer when you purchased your iPhone – but cheaper and possibly more comprehensive.
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