Do you really need Mobile Phone Insurance?

Cell phones are becoming an increasingly popular accessory, cutting across all age groups and also people from different races and colors. Cell phones are becoming the new way of communication, especially in the 3rd world countries. As people use their phones, they become more and more attached to them. These days, mobile phones are used for both communication and entertainment, depending on the model of your phone.

If you have expensive phone (expensive to me is any cell phone above $150) then you must really value it. If, unfortunately, you lose it or it gets stolen, you get so devastated. This is where some insurance companies will come in and try to offer you c mobile phone insurance. You will have to pay a premium and then you will have your cell phone covered. Once that has happened when you lose your phone, you can go and claim another one from the insurers. But insurers usually target people with very expensive cell phone. Very expensive to me is a phone that is worth $250 and above. Here we are talking about iphones, communicators, blackberries and the likes.

Some of the benefits of the insurance are that your cell phone can be repaired and replaced at no extra cost, you will get a replacement when you lose your phone, you are covered even if overseas and your premiums are low and affordable.

The question then I would like to pose is: what about the common man? How come you cannot get cover for your phone that is worth $100 or so? Does this means that mobile phone insurance is biased?

Surely, what is the need of getting cover for your cell phone that is worth $100? I believe you can save up and easily but another one, or better still a cheaper one. But as noted above, mobile phone insurance is not the best. This is because it only targets the ‘high-ended’ individuals. When you lose your phone, most of the time you don’t want a new because the lost one has your important information and contacts.

But I have good news for the so called ‘common man’. If you lose your phone or it gets stolen, you can get it back. This is all thanks to mobile phone tracking software that can be installed on your cell phone and you will be able to locate where your phone is.

More on cell phone tracking softwarehere

You can also track your stolen laptop