Insurur - UK insurance directory - cars, money, mortgages, credit cards, loans, debt, banks, travel, health, life & pets.

UK Insurance directory  - Gadgets insurance

Mobile phone, PDA, PC, Laptop, Camera & Gadget Insurance - UK Insurance Directory - Money saving articles

Mobile Phones Cover Directory: Gadget Insurances 


gadget insurances - UK Insurance directory and mortgage payment protection insurance companies directory UK.-mortgage coverMPPI ASU unemployment sickness accident protection -   travel car motorcycle bicycle building contents property brokers companies savings financialmoney protection saving journal tips life car auto elliott wave forecast - risk,vaue,intermarket,free,links,health

We buy a lot of things on the spur of the moment and later regret that we have wasted money. The same applies to insurance of different kinds.


Insurance for expensive items such as houses, homes, cars and contents are worthwhile. But insurance for small items, may be not. Insurance works on averages, those who claim a benefit those who don't pay those who have claimed. It is unlikely that the insurance company will lose out.


One of these items is small gadgets such as mobile phones, portable music players and cameras. Some of these gadgets are expensive while others are not.


When you go into any high street shop and you have purchased your item, the shop assistant may always ask the question of extended warranties or insurance. They may state that the item is small and can be easily damaged or stolen.


GADGET INSURANCE: DO NOT BE AN IMPULSIVE INSURANCE BUYER. THINK. TAKE YOUR TIME. NOT ALL POLICIES ARE THE SAME – OBTAIN THE CORRECT BENEFITS AND THEN INSURE

COVERAGE FOR VIRGIN – O2 - T-MOBILE – 3G – VODAFONE – ORANGE – APPLE

INSURANCE SOLUTIONS FOR THE HOME, A COMPANY, COMMERCIAL VENTURES, SOLE TRADERS AND GROUP BUSINESSES

INSURANCES COVER: YOUR MOBILE PHONE, IPHONE, APPLE IPOD, HANDHELDS, BLACKBERRY, NOKIA, CONSOLES, LAPTOPS, GAMES PLAYERS, XBOX, MP3 PLAYERS, MP4 PLAYERS, AUDIO PLAYERS, PLAYSTATION, CAMERA, CAMCORDER, PDA, SMARTPHONE, SAT NAV, DS, NINTENDO, WII, 3G MOBILE PHONE, LG MOBILE PHONE, SAMSUNG MOBILE PHONE, 3G MOBILE PHONES, T-MOBILE PHONES, VODAFONE MOBILE PHONES. CHINESE MOBILE PHONES, PAY AS YOU GO MOBILE PHONES, NEW MOBILE PHONES, UNLOCKED MOBILE PHONES, RECONDITIONED MOBILE PHONES, LG MOBILE PHONES, SAMSUNG MOBILE PHONES, 3 MOBILE INSURANCE, ORANGE MOBILE, 3 PHONE INSURANCE, ORANGE PHONE, 3G PHONES, LG PHONES, O2 PHONES, ORANGE PHONES, SAMSUNG PHONES,  ETC.

GADGET INSURANCE: IF YOU DON’T INSURE A CONTRACT PHONE YOU ARE TAKING ON A LIABILITY

BUYING INSURANCE IN A SHOP MAY BE EXPENSIVE

PROTECT YOUR BLACKBERRY

It is easy to obtain cheap insurance for your advanced electronic gadgets, particularly online from an insurance agency or insurance brokerage firm; where you can compare various premiums and benefits. There are many websites, brokers and insurance agents who sell gadget insurance. Life without your favourite device can be restrictive.


The application forms are quite simple, you pick the value of your gadget, number of items to insure and the premium is calculated for.


Gadget insurance does not depend on your income or age, as the premiums are based upon value of the item.


Some insurance policies offer incentives such as free battery or free means of protecting your contact details online after you have had the policy for a year or two.


Those gadget owners who are careful and those who use these gadgets outside the home or business may have a lower risk of loss. But those who are out and about all the time may have a higher risk of loss. In the end those with a higher risk having a higher value item may need to take up this type of insurance.


There are many people who go into high risk areas such as schools, universities, train stations and on vacation; where there is a high tendency to loose these items. Some people may be said to be accident prone or absent minded. As we get older, senior citizens may tend to loose more of these items. Youngsters will also have a tendency to be forgetful.


Some phones are very expensive and the telephone contract normally does not cover the cost of the phone. Insurance in this instant is a small percentage of the item. Where the item is more economical, the insurance may be a higher proportion of the item and may be not worthwhile.


"What do these type of mobile phone insurance policies cover:
1. You can cancel at anytime
2. Covers against loss, theft, accidental damage and overseas cover. This  a common claim under the insurance policy as the likelihood of somebody stealing the phone is quite high. There are also times when you may accidentally drop the phone onto a hard surface and the phone falls apart. Mobile phones left in the car and visible to the public is also a significant source of theft. Your service provider should normally give you a contract phone at a very low price and if the phone is stolen you will have to pay the market price for a new handset (approximately 300 to 400 pounds).
3. Some offer one, two, or three month free cover, if you stay the entire term of 12 months
4. Unauthorised calls are covered to the extent stated in the policies, usually a small amount
5. There may free phone backup of contact data or other data
6. You may not get a like for like replacement, read the policy
7. Water damage – for those moments when your expensive phone drops into water by mistake, such as the toilet, wash basin, in the washing machine or on holiday at the beach or the swimming pool. This is a common claim under the insurance policy. Kids also do funny things and damage your new gadget.
8. Malicious damage, when it is damaged by a third party
9. Replacement normally takes a minimum of 48 hours or whenever the repair is complete unattended theft from secure vehicle/premises), (24 hour claim process for B2B / CORPORATE)
10. Extended Warranty / Breakdown. This is a great feature of the policy, if your phone stops working it can be sent for repairs under the insurance policy. Technical advice is also available from some insurance providers. Normally there will be compensation for a damaged item without such a insurance policy. If your device is damaged, it may have to be sent to the insurance company for inspection.
11. When on business or vacation, international phone insurance cover is vital.
12. There is normally no twelve month contracts and you can cancel with one month’s notice.
13. You can cancel the phone policy after fourteen days if it does not meet your requirements and after reading the policy.
14. Cover may be available to those over eighteen years of age.
15. Accessories may be protected up to five hundred pounds.
16. You may also be covered for identity theft and protection for your personal details.


TAXIS ARE A PLACE WHERE WE LEAVE OUR PHONES


GADGET INSURANCE: MAKE SURE YOU UNDERSTAND ALL THE EXCLUSION OF THE POLICY AND THE CLAIMS PROCEDURE. READ THE TERMS AND CONDITIONS CAREFULLY, SO THAT THE POLICY MEETS YOUR NEEDS.


The various networks such as O2 and Vodafone, subsidise the handsets when you take out a contract with them and these hand sets can be quite expensive.


The online insurance providers cover insurance for most makes and models.


It is important that you backup your phone at home or over the internet to a service provider or on your computer with a special data lead. The data on your phone can be more important then the phone itself. Some insurance companies provide a free service through a third party provider. You could also printout all your contacts and keep them in a handy place. If your have a diary or address book, you could list your contacts there and keep it updated. Your network service provider will also provide this backup service at a small cost. 


Possible backup services can be found on the internet using one of the search engines, such as Yahoo, Bing or Google.


Internet backup service providers can store up to 3GB for free when they purchase a standard mobile phone insurance policy.  The insurance company wants to help you keep your data safe and it anything goes wrong it will be easy to restore quickly or automatically. This service also cover storing data from your computer, mobile phone or digital camera. The data is stored on the servers and protected from computer malfunction, fire or theft. Your backup account can be accessed from anywhere in the world at anytime. Regular backups are important and testing of the service is also necessary.


Expensive contract phones will need some sort of insurance. Low value phones have a lower risk, as the excess on a claim can be a minimum of 25 pounds. So if you have a low value phone, it is better to protect the sim card and keep your phone number. If the handset is stolen, a new one can be bought at a reasonable price. The only thing you loose is the amount of money credited to your phone.


What happens if you lose your phone? For those with contract phones the loss incurred by fraudulent calls can be hundred of pounds, while those with pay as go phones, this can be small to the limit of your credit. You will need to pop into a police station to obtain a crime number within 24 hours of the loss. You will need to ring your service provider within 24 hours to bar all calls and international calls.

A claims form may be sent to you, which you will need to filled in and returned to the insurance company. The insurance company may offer a second hand phone or a phone which is similar to yours. You will have to insist that they replace your phone with a like for like phone. Don't give in. Losing your phone can be a nightmare and you can either buy a new pay as you go handset for temporary purposes until the insured phone comes in or use a old phone which you may already have. Further precautions you can take are limiting the amount you can spent every month with the service provider and cancelling your right to make international calls with the service provider. Also, make sure you set a pin on your phone to unlock it every time you do not need to use it.


Make sure that your insurance provider is registered with the Financial Services Authority (FSA) and their registration number is displayed on their site. It will also be helpful if the insurance provider is a member of the British Insurance Brokers Association (BIBA).


It is better having an insurance policy from day one of your phone purchase rather then committing fraud afterwards.


 GIFTS
Free batteries are awarded to those who have the policy for 12 months and after 24 months there is a free upgrade to a new handset. Read the insurance terms carefully.


SOFTWARE TO LOCATE AND SECURE YOUR PHONE


• Traceamobile.co.uk
• Mobilelocate.co.uk
• Childlocate.co.uk
• World-tracker.co.uk
• f-secure.com/en_EMEA/products/mobile/mobile-security/
o This package includes a remote control anti-theft feature that safeguards your confidential information even if the phone is lost or stolen. Advanced automatic security updates keep the phone constantly protected against the latest threats. Remote Lock can lock the phone easily with a single SMS message.
o Theft Control locks the phone, if the SIM card is changed.
o Remote Wipe erases all the data on the phone - an ultimate safety measure to prevent misuse.

CENTRAL EQUIPMENT IDENTITY REGISTER


This is a blacklist for disabling stolen handsets once reported and the handset becomes useless for thieves. Those caught illegally tampering the mobile unique identifying codes or IMEI numbers can face a prison sentence.


Phone owners should register their phones with the registration service called the Mobile Equipment National Database or National Mobile Phone Register (nearly all the police forces in the UK use the NMPR).


 Children are encouraged to use a UV marker and a special hologram sticker.


WWW.RETROPHONE.COM

Retrofone’s supplies lost or broken mobiles for individuals who wish to upgrade their existing phones, offering low cost second user phones.

Thieves

Thieves prefer to steal the leading mobile phones from your hand while talking or walking. It is important not to advertise your handset while in public places. If you don’t use premium services or premium phone calls, get it turned off. Mark your phone with a UV pen writing down the post code and house number. Store the number of a contact for emergencies such as ‘Home’. You can still make 999 calls even if you run out of credit.


• Don’t give your phone away to those you don’t know.
• Unattended phones in the office and the car are likely to be stolen.
• Railway/bus stations and city centres will attract the grab and run robber.
• When not using the phone keep it out of sight.
• Use a belt holder for your phone.
• Avoid walking with the phone visible to all people.
• Phones can be taken from bags, coats, drinking places and the home.

IMEI numbers

The IMEI number (15 digit) is difficult to tamper with. Easy accessed by typing *#06# and make sure your write it somewhere you can remember (put a sticker with the number on your wall). Thieves have great difficulty in changing this number and lost phones handed to the police can be easy returned to the owner.

www.immoblise.com


This register blocks your phone in case it is stolen and make the phone useless for thieves. Call the Immobilise help centre on 08701123123 to have your phone locked for all networks.  Useful numbers to block your phone:


• O2 – 08702410202
• Orange – 07973100150
• Vodafone – 08700 700191
• Virgin – 08456000789
• 3 – 0870330333
• Tesco – 08453014455
• T-mobile – 08454125000
• BT – 08000322111


If your phone is stolen call immediately the service provider and get a crime number from the police. Report the incident to your mobile phone insurance company within 24 hours.

Mobile Phone software


Keep all the system software on your phone and content updated to protect against viruses, worms and other crazy software to ruin your life. Ensure your Bluetooth is not on if you don’t need it on. Application software should also be kept in a safe place such as your favourite travelling dictionary or brain training games.

Complaints


If at any occasion you are not happy with your insurance company or insurance services, you can always complain to the Financial Ombudsman service; who regulate the insurance industry.


FREE INSURANCE SERVICES COMPANY QUOTES FOR GADGET COVER; FOR IPHONES; FOR PHOTOGRAPHERS; FOR PLAY STATION


Low cost quotes or premiums are easy to obtain by searching on the internet and filling in the online forms to save money. There are many insurance providers where you can carry out comparisons of features and benefits, reading the descriptions very carefully as well as study conditions or terms. PLAN OFFERS: Some insurance providers give 1 or 2 months discounts. Some insurance providers offer free gadgets after a year or two. Instant quotes and insurance are available 24 hours a day from insurance companies. Insurance protection UK gadget quotes and policies are available for England, Scotland, Wales and Northern Ireland. You can contact the specialist broker and ask questions before your purchase the insurance. Some brokers may give student discounts. Systems and technologies are always changing and it will be worthwhile to ring the broker or send them an email.


GADGET INSURANCE or GADGETS INSURANCE COVERS:


VIDEO PLAYER INSURANCE, SATELLITE NAVIGATION INSURANCE, SAT NAVS INSURANCE, SONY PSP INSURANCE, PHOTOGRAPHIC INSURANCE, PHOTOGRAPHY EQUIPMENT INSURANCE, PALM INSURANCE, PC INSURANCE, PDA INSURANCE, CELL PHONES INSURANCE, NOKIA MOBILE INSURANCE, NOKIA PHONE INSURANCE, MOBILE PHONES INSURANCE, IPHONE INSURANCE, GAMEBOY INSURANCE, APPLE IPOD INSURANCE, HANDHELD DEVICES INSURANCE, HANDHELDS INSURANCE, BLACKBERRY INSURANCE, NOTE BOOK INSURANCE, COMPUTER INSURANCE, NOKIA INSURANCE, LAPTOP COMPUTER INSURANCE, CONSOLE INSURANCE, LAPTOP INSURANCE, GAMES INSURANCE, GAMES PLAYERS INSURANCE, GAMES CONSOLE INSURANCE, MICROSOFT XBOX INSURANCE, MEDIA PLAYERS INSURANCE, MP3 INSURANCE, MP3 MUSIC INSURANCE, MP3 PLAYER INSURANCE, MP3 PLAYERS INSURANCE, MP4 PLAYER INSURANCE, MEGAGAMES INSURANCE, AUDIO PLAYERS INSURANCE, PLAYSTATION INSURANCE, EQUIPMENT INSURANCE, DEVICE INSURANCE, DIGITAL CAMERA INSURANCE, CAMCORDER INSURANCE, PDA INSURANCE, SMARTPHONE INSURANCE, SAT NAV INSURANCE, NINTENDO DS INSURANCE, NINTENDO INSURANCE, WII INSURANCE, POLICY FOR LAPTOP, IPOD SHUFFLE, SMART PHONES INSURANCE, WIRELESS PHONE, ETC.


If you use the internet there are mobile phone deals to be had but in the end best mobile phone deals can be had by comparing premiums and benefits.  Some specialist brokers can provide  business mobile phone deals and the given mobile phone deals comparisons can be very useful.


UNLOCK MOBILE PHONES


Go online to compare mobile phone insurance and buy mobile phone insurance at competitive premiums and get instant mobile phone insurance cover. It can also be worthwhile in investigating mobile phone unlocking service where it may be cheaper to use another service provider, unlock mobile phones to save. Specialist services have mobile phone unlock codes and this results in having a unlocked mobile phone.


Some insurance providers as previously stated offer a free mobile phone battery after 1 or 2 years. Ring the broker to investigate whether your mobile phone accessories can be covered at the same time. Contract mobile phone prices vary and premiums are based upon the value of your phone. Some brokers will offer mobile phone reviews and these are worth reading to obtain a cost saving mobile phone deal. Also, some insurance providers will offer a free mobile phone / new mobile phone after say two years. Camera mobile phones are more expensive and are worth insuring.


which mobile phone to is an important issue, cheap phones may be not worth insuring, so it is important to compare mobile phone values against the excess.

Mobile phone, PDA, PC, Laptop, Camera & Gadget Insurance - UK Insurance Directory - Money saving articles

Links Sort by: PageRank | Hits | Alphabetical



Articles

Online Insurance | Protectyourbubble.com

Insurance & Lifestyle Cover Protect your bubble, Get a Quote!

[Read more]

Tweet