Samsung insurance
Whether you own one of the more basic Samsung mobile phones or the very latest Samsung Galaxy Nexus, featuring Android 4.0 (Ice Cream Sandwich) – taking out Samsung mobile phone insurance for one of these most popular of UK mobile phones is to be recommended. Ranging in price from £499 to just £49 or less, there's not only a Samsung mobile phone to suit every pocket – but also a Samsung mobile phone insurance deal that will suit your pocket too.
Samsung mobile phone insurance quotes
You'll already know that you'll get the best Samsung mobile phone insurance deals by shopping around online, but what might they look like. Taking a basic Samsung mobile phone model to begin with, you should quite reasonably be able to expect to get basic Samsung mobile phone insurance for handsets up to the value of £50 for less than £2 a month and even the entry level smartphone models like the Samsung Galaxy Mini for around £2 a month too.
Although worth roughly the same value as an iPhone, the very top-end specification Samsung Galaxy smartphones do not cost as much to insure as their Apple rivals. In all probability you will be able to get even these top-end Samsung mobile phone insurance contracts for £5 a month, or £2 a month less than that for an iPhone. Taking out a Samsung mobile phone insurance contract at these amounts, even if the minimum length of contract is two years, represents great value for you.
Why? Well, for substantially less than the cost of having to buy a new handset, your Samsung mobile phone will be protected against theft, loss or accidental damage by you – usually with a repair or replacement guarantee within 48 hours of the problem being reported to your insurer.
Are Samsung mobile phones really worth insuring?
That really is a bit of a 'chicken and egg' question – but on balance, yes it is worth insuring Samsung mobile phones. The whole point of any insurance policy, not just ones for your mobile phone, is to protect you financially against something unexpected happening. So, lets take the scenario of you owning a mid-range Samsung smartphone worth £150 to £200.
Whether you have that phone on a pay monthly contract or buy it outright as a pay-as-you-go mobile – if it hasn't got Samsung mobile phone insurance and it's lost, stolen or damaged so as to need repairing, you will have to pay the costs. So, that could mean buying a new handset or paying for the repairs yourself. I suppose someone using pay-as-you-go, rather than paying out around £200 for a new replacement handset could always just buy a cheaper more basic one – but someone with a pay monthly contract would virtually have no choice but to pay for a new and identical replacement hand set.
The reason for that is that even if they aren't using their phone – they will still have to pay the monthly rental amount to the network provider, amounting to them giving the network provider money for nothing. Still need convincing? It has been estimated that in 2010 there were over one million mobile phone insurance claims made in the UK – so to think "it'll never happen to me", in terms of needing to make a Samsung mobile phone insurance claim, could turn out to be a rather fanciful thought.
An ideal Samsung mobile phone insurance package
Finding a cheap Samsung mobile phone insurance deal is one thing – finding a great value Samsung mobile phone insurance deal is quite another and something entirely different. For example, seeing Samsung mobile phone insurance advertised at just £1 a month must be tempting – but there will be reasons why it is offered so cheaply.
That deal may yet turn out to be a good one – but do take care to check all the small print. One of the reasons not all of the cheapest Samsung mobile phone insurance deals are the best is the excesses they charge. For example, insuring a £150 Samsung smartphone for £2 a month sounds great – but what if it was stolen and you still had to pay the first £100 towards a replacement handset? So, when it comes to the details in a Samsung mobile phone insurance package – what should you be looking for? Most mobile phone insurance deals will have an excess, but we'd suggest you only accept a maximum of £25 or £50 as the excess.
The insurance policy must cover theft and accidental cover as an absolute minimum and ideally include international cover for at least 30 days a year and fraudulent call protection, whereby any calls made on your phone by a thief are paid by the insurer – even before you've reported the phone as stolen to your network provider. Regarding accidental cover, make sure the Samsung mobile phone insurance includes damage by water/liquids; which can often be excluded from accidental cover unless asked for.
You'll notice we haven't mention loss insurance cover, this too can be an exclusion unless specifically asked for. Finally, two last things to check when taking out a Samsung mobile phone insurance policy. Firstly that it will take effect immediately after you agree to accepting the policy and, secondly, that they guarantee to process any claim you make within 48 hours at most.
You are covered against theft. If it is stolen, it will be replaced.