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Now you have purchased a new mobile phone and dedicated yourself for the next 18 to 24 months to your phone network, you will probably want to obtain some insurance in place to protect your new device. As you possibly are aware, your mobile phone was simply given to you free by your dealer, as you have promised them with a guarantee of your business for the tenure of your contract. That is a guaranteed income supply for them for the following 24 months.

As you have promised them of guaranteed income for the following months, they are more than happy to give you a free mobile phone, to compensate your custom, as well as to attract you to the offer in the first place.

But where would you be if you lost your new phone? Well essentially, you would have to bear the replacement bill, except, you had some suitable mobile phone insurance in place for your phone. The substitution cost of phones will vary from make and version, but a rule of thumb price would be around the 300 GBP area, with the hottest iPhone being in the higher price range of around 650 GBP.

There are several familiar methods you can employ to protect your phone, let's go over them briefly, one by one.

When you take out your new phone contract, you will almost defiantly be provided mobile phone insurance by your retailer or network provider, usually for an additional monthly charge of around 9 GBP to 16 GBP, depending on the connection and the make and style of the phone. This normally tends to be the highest price insurance cover that will be available to you.

Secondly, you could add your mobile phone to your home contents insurance policy, as many policies let you to add individual personal items of value. This can sometimes be very much worth, as you may not be charged an extra fee. Care should be taken though, as you will probably understand in the event of a claim being made, the whole claim process could take many weeks to get settled. It would also be wise to know the excess fee you would have to pay with this scheme, as it could be set quite high.

Finally, a very common option at the moment is using a private insurance company, who is not attached with the phone network or retailer to offer you with insurance cover. This is known as standalone insurance and is commonly seen on the internet for around half the price the retailer or network provider would charge.

All in all, it could well be good attempt to research on mobile phone insurance before you get your new mobile, thus, allowing you to choose in advance the best insurance product for you, before you purchase your new mobile phone.

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