It should probably be said immediately that the question of what is the best iphone insurance just couldn’t be answered in isolation.
Yes, it’s perhaps tempting to say that the lowest cost insurance protection is, by definition, the best but that would be missing a significant number of factors.
Not all policies will necessarily offer similar cover. Insurance companies tend to interpret risk differently and this is reflected partly in their prices, but also in the things they typically agree to pay for.
Check that your insurance policy provides protection whilst you are outside of the UK, as not all providers offer this.
Some insurance may cover accidents but exclude incidents that involve liquids. Others could include insurance against damage caused by liquids.
Then there can usually be breakdown protection even breakdown outside of the manufacturer’s warranty period – and not the roadside sort!
Any gadget could be at risk of failing and this includes your phone. If it happens after the manufacturer’s warranty has expired, then be prepared for some potentially serious costs – unless your particular iphone insurance cover happens to cover it.
The point here is hopefully clear. The best iphone insurance cover for you may depend upon a large number of factors including what cover you’re getting for your money.
The price alone isn’t always the best guide.
What the policy doesn’t do
As well as thinking about the insurance policy and what your policy may do for you, it might also be a sensible idea to take into account what it clearly states that it won’t do for you.
Just the same as with the majority of insurance polices, iphone insurance has terms and conditions. With the latter, these statements are typically important in helping you understand the reality of your iphone protection. These often relate to your obligation to play a role in protecting your phone.
Things that are worth looking for here typically
- the conditions surrounding theft protection (e.g. typically the phone must not be left unattended);
- full replacement or market value;
- if you get a fast replacement if your claim is succesful;
- excess conditions (an excess is the amount that you typically need to pay in making a successful claim).
When all is said and done, the best iphone insurance is probably that which most closely matches your requirements in all these various areas.
Therefore, you’re probably the only person that can generally decide what is going to be suitable for you.
As a result, being a little sceptical of advertisements that claim to have identified the best iphone insurance may be a smart move!