Vodafone insurance
If you're looking for online Vodofone mobile phone insurance and are resident in the UK, then make sure that you arrive their UK website, as otherwise you could find yourself reading about Vodofone mobile phone insurance as applied to Europe rather than the UK. That's not to say that the Vodofone website is difficult to understand, but it just underlines what a big company Vodofone are in European terms. And, being such a big company in the mobile phone business means that there are some great offers available in Vodofone mobile phone insurance, with the price you pay being relative to the value of your handset. Vodofone offers mobile phone insurance to private individuals and business users, so first here's what's on offer to individual users.
What Vodofone mobile phone insurance covers
Whatever the price you pay for your Vodofone mobile phone insurance – everyone gets the same level of cover in all respects except for the excess that they will be charged in the event of needing to make a claim. Both theft and loss of your mobile phone are covered as too is both accidental and malicious damage to your phone.
Every Vodofone mobile phone insurance package gives you 30 days of cover whilst abroad and includes insurance for other Vodofone accessories up to the value of £200, if stolen, lost or damaged in the same incident as that which your phone is being claimed for. Regarding claiming for a damaged mobile phone, Vodofone mobile phone insurance will arrange for you to be loaned another Vodofone handset whilst yours is being repaired. In the event of a replacement phone being needed, due to either damage, loss or theft, it will be despatched to you within 24 hours of your claim being processed.
Other things to know about Vodofone mobile phone insurance
There are, of course, some caveats to be aware of when taking out Vodofone mobile phone insurance. To make a claim for loss or theft of your Vodofone handset you must first contact the police and report it lost/stolen within 48 hours, then immediately after that inform Vodofone of the incident giving them the details of your dealings with the police as well.
You must also report malicious damage of your phone to the police too before contacting Vodofone. Reporting to the police is especially important if you lost or had your phone stolen, as Vodofone will make you liable for the cost of any fraudulent phone calls made on your handset until they have been notified of the problem. Even then they will cap the fraudulent calls compensation at £1000. Either way, whether you are abroad or not, you must make your claim within a maximum of 7 days from the incident occurring.
Regarding replacing your mobile phone due to theft or loss, a like-for-like replacement can only be made if stock levels permit it, otherwise a "similar one" will be sent out as a replacement. Regarding damaged phones being replaced, as a matter of course these are only guaranteed to be of a similar type. Should you be so unfortunate as to need to make a claim within 30 days of a previous claim, Vodofone will reject your claim.
If you change your mobile phone handset without notifying Vodofone mobile phone insurance, probably by buying a new handset from another vendor, your policy may well become void. So, when changing your phone check your mobile phone insurance policy is still valid. Finally, you must not in any way be culpable for the loss, theft or damage to your phone. eg. Leaving it unattended, diving in to water with it about your person etc.
Vodofone mobile phone insurance prices and excesses
So, is Vodofone mobile phone insurance good value for money? The answer to that is really in how much you value your mobile or smartphone and the connectivity it gives you. If you need to be in touch with family and friends, then you can't afford to be out of contact by not having a phone if yours is lost, stolen or damaged – so what price peace of mind? Well, under Vodofone mobile phone insurance that peace of mind costs the following.
A low budget smartphone or ordinary mobile phone can be insured for as little as £5 a month, mid-range ones cost £7 a month and top-end smartphones £10 a month. If you own an iPhone and some other smartphones with brand new initiatives like the latest Android release, these can cost £13 a month to insure. Those four price ranges make Bands 1 to 4 respectively, the excess for Band 1 is just £15, Band 2 is £25 and Bands 3 and 4, for the most expensive phones, is just £50; making Vodofone mobile phone insurance excesses some of the lowest you will find anywhere. There is a minimum term for Vodofone mobile phone insurance contracts of 3 months.
Business Vodofone mobile phone insurance
For business users Vodofone mobile phone insurance policies are the same as for private individual ones with the following differences. Business users get 60 days of cover whilst travelling abroad and, when it comes to excess payments, for phones costing up to £150 you pay just the first £15 if it needs repairing – for more expensive phones you pay the first £25. Also there is currently just one tariff for business Vodofone mobile phone insurance of £6 a month.
You are covered against theft. If it is stolen, it will be replaced.