When mobile phones came out years ago, they were large bulky devices that cost a small fortune. Over the years they became smaller and cheaper, until they were so cheap that everyone could afford them. This situation continued for as long as mobiles were only used to send and receive calls and text messages. But in recent years these devices have soared in terms of sophistication and complexity. And price. Yes, as mobile phones became increasingly more sophisticated and stylish, they also became increasingly more costly and are now capable of anything from taking photographs to surfing the net, to offering a user to watch movies and listen to music, and of course to play games. With such sophistication they are more than a communication device, almost as good as small portable computers, and of course the price of these incredible devices reflects their new complexity.
So obviously, though your company can give you one of these incredible devices for free when you sign up for a contract of two or more years, they could cost you a pretty penny if you were actually asked you to replace them. Usually a good phone can cost something near to seven hundred pounds if you happen to lose it. And remember that a phone can also be accidentally damaged, and of course stolen. Each phone company has an agreement with some brand of insurance which they either consider reliable or which pays them the highest commission or both.
Usually using the insurance brand that your company puts forward will result in you paying the highest insurance rates on the market. If you don’t want to do this, you need to visit the officers of different phone insurance companies, and to ask them a few incisive questions. Of course there a lot of companies online, but I prefer to visit the offices of mobile insurance companies, because then you can ask their representatives the right questions, whereas online you rarely have this option. One alternative to this is to find an online scheme that you like and which suits your budget, and then to look up a contact or customer service number on the website and phone in with your questions, though it can be much harder to get reliable and complete answers over the phone.
But you can always try. I prefer the personal contact with a company representative and also find the answers to one’s questions come easier when a person one is talking to is right in front of you. Remember that a great many questions are answered simply by reading the terms and conditions of a company’s agreement. This really is the easiest way to know exactly what you’ll be getting for the money you pay out as premiums. But if you don’t f eel like doing this, then questioning the company’s representative is the best thing. Ensure that the representative answers your questions clearly and precisely.
Make sure that the policy will cover you for the entire cost of your phone, and above all make the representative elaborate to you the exact procedure of filing a claim if you lose your phone. Only go ahead and sign the contract when you are completely satisfied with the answers you receive, and are sure that everything is clear and above board.
Harry Spencer is an IT professional specialising in web design and internet marketing. He enjoys creating websites that provide great content, services and products to the Internet community.
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