HTC insurance
HTC mobile phones seem to have created quite a niche for themselves in a relatively short space of time by becoming one of the best manufacturers of Android smartphones, so if you've got one of the best smartphones around surely you should protect it with HTC mobile phone insurance? Why might you need to protect your HTC smartphone with an HTC insurance policy – well, quite simply, without adequate insurance cover for your mobile phone should you damage, lose it or have it stolen – the expense of repairing or replacing it will be entirely your own responsibility; whereas with HTC mobile phone insurance you could entirely avoid any costs at all.
HTC Mobile phone insurance excesses
When we use the term mobile phone insurance excesses we don't mean that you'd be using the phone or its insurance to excess – but that, the same as for insurance policies for many other things, in the event of having to make a claim on your HTC mobile phone insurance you could have a policy whereby you agree to pay the first few pounds yourself. This amount is known as an excess and, for mobile phone insurance policies could be as little as £25.
The reason for having an excess on an HTC mobile phone insurance policy, the same as for other makes of mobile phones and their insurance policies, is to try and prevent customers from making claims against their insurance for relatively trivial things, that could be put right with less expense than by claiming on the mobile phone insurance policy. You can, of course, have an HTC mobile phone insurance policy without any excess on it. However, these are generally more expensive than ones with a small excess charge. Whether to have an excess on your HTC mobile phone insurance policy or not can be a tough call.
For example, which of the following two would represent the best value for you? On a £400 HTC smartphone you could take out HTC mobile phone insurance with a £25 excess for just £4 a month. An insurance policy for the same phone, without an excess, will typically be at least £2 a month more expensive. Should you need to make a claim on your HTC mobile phone insurance – both deals would work out the same. However, in the hope that you don't need to claim on your HTC mobile phone insurance – taking the deal with the £25 excess could save you £24 a year.
Why you need to insure your HTC smartphone
Being one of the major players in the Android smartphone market – as a manufacturer HTC is one of the front runners when it comes to packing features and high end specification into their smartphones. Whilst, compared to say the Apple iPhone, HTC smartphones are less expensive - their very latest models are always highly sought after which, unfortunately, makes them a target for thieves.
So one good reason for taking out HTC mobile phone insurance is to protect you from the expense of having to buy a new HTC mobile phone if yours should be stolen. Next, if you're the sort of person that's always losing pens or forgetting where you put your keys or glasses, it's probably only a matter of time before you lose your HTC phone.
If you're lucky getting someone else to call it might reveal where it is – unless you left it on the bus/train, in a bar or theatre etc. If that's you – then an HTC mobile phone insurance contract will save you from considerable expense if you lose your HTC phone in the future. Finally, for the time being, no matter how careful a person you are – accidents can happen. You could accidentally sit on your HTC phone, drop it in the street etc. Having an HTC mobile phone insurance policy that will cover you for accidental damage will not only save you the expense of having your mobile phone repaired but will, in all probability, get it repaired much faster than if you didn't have mobile phone insurance at all.
You are covered against theft. If it is stolen, it will be replaced.