When you’re looking to replace your mobile phone, one of the many questions you will be asked by the retailer after you’ve decided which handset and tarriff to buy, is whether you want mobile phone insurance.
It’s common knowledge that many retailers make a large proportion of their commissions selling related insurance products and, sometimes make more selling these policies. So, the question you should ask yourself is, am I getting a good deal here?
Most of the time, if you’re offered mobile phone cover, you’ll have a choice of one policy from one insurer which is not in your best interests – it’s likely got more to do with the retailers commission. At the very least you should ask the retailer how their policy compares to others and the market, both in terms of price and policy features. Whatever they say, you need to compare as many policies as possible to get a true idea of what price and policy constitutes value for money. The best way to do this is by using the internet and a price comparison site combined with a little time reading real customer reviews. Neglect this part and you could end up paying inflated...
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