But first, lets talk figures. Last time I checked, iPhone insurance purchased from the ‘big swingers’ in your local shops was around £15 + VAT per month. The average monthly tariff for an iPhone is approximately £35 per month. Doesn’t something seem wrong here? Why are we all paying such a huge percentage of the monthly tariff? To me it just doesn’t seem right. And I have done some research to prove my point. Read carefully below and I am sure you will be saving lots of money by finding sneaky ways to find cheap iPhone insurance.
CHEAP iPHONE INSURANCE – 3 SNEAKY WAYS TO SAVE
1. Approach an independent insurance company online - There are plenty of great companies out there ladies and gentleman. Do a simple Google search for ‘cheap iPhone insurance’ and I am sure you will find pretty quickly that help is not too far away. In most cases I would expect you to save up to 50%, which is quite a lot of money over a 1 year period. Just remember to make sure you have a full policy, 24 hour phone replacement, and the ability to cancel at anytime. You don’t want to be tied into a 12 month contract.
2. Approach your bank - This is a pretty sneaky one guys! Who would have thought in today’s day and age these guys would let you have something for nothing? Crazy! But its true. For example Lloyds TSB offer free mobile phone insurance service to those people who have a premium account with them. Dont worry a premium account is not too difficult to obtain. Just be aware though that they wont cover the full amount of the latest iPhone, and they will also force you to fill out some pretty hefty paperwork in the event of a claim.
3. Approach your home contents insurance company - My home is insured by Halifax (although any insurance company will be the same) and they offer a pretty cool loophole to get cheap iPhone insurance. They will insure personal belongings such as watches, diamond rings and you guessed it, mobile phones in and out of the house. Again, they most likely wont cover you for the full amount, and there will be some paperwork to take care of. But still its a very cool way to save money. Just make sure you get ‘no claims bonus’ protection which cost me an extra few pounds per month.
Guys, above are three sneaky loopholes which will save you a lot of money if used correctly.
My number one loophole however is going with an independent company, mainly because its hassle free, fast and offers the best value for money. The most impressive product researched was found at http://www.insureit.2u.co.uk/iPhoneInsurance/
I have also developed a Cheap iPhone Insurance website which will go into much more detail than what I have written about here. Check out a few more fantastic, free tips!
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