Since its launch in 2007, Apple's iPhone has been the iconic 'must have' item for all discerning mobile phone users. So much more than merely a high tech telephone, it was the iPhone that took touch screen technology and the use of `apps' to the next level - and as such these classics of telecoms design have from the outset been sought after and valuable products. With such an aspirational gadget in your pocket or bag, choosing the best iPhone insurance is essential if you want to protect your phone from theft or loss. So how do you choose the iPhone insurance that's right for you?
The first thing to consider is the context and location of where you use your iPhone that would place it in the most danger of being lost or stolen. Many people only use their mobile for home use, and have a company phone at work. However, due to the advanced nature of iPhone technology and their storage capacity, it's becoming common to carry your phone with you everywhere - to take pictures, listen to music and share photos. Within this context, when you compare iPhone insurance, you want to make sure that the coverage is fully comprehensive and covers the various environments the phone will be used in. It's no good having a personal use only policy if your iPhone spends most of its time on your desk at work. Equally if you are going to use your phone abroad, you'll want to make certain that your iPhone insurance policy includes worldwide cover as standard.
Secondly, the exact model you own is important when considering insurance for your iPhone. Some of the older first and second-generation models are not holding their value that well, but if you move onto the latest iPhone 3G and iPhone 4 models, you need to ensure your mobile phone insurance can cover you for at least£500. Granted, you won't actually pay that much for your iPhone when you buy it as part of a calls and texts contract with one of the high street phone companies such as 3G, Vodafone or Orange - but if you lose the device or someone swipes it from your bag or coat pocket - you'll still have to stump up that much to replace it. So do your homework and make sure you've covered your iPhone's full price in the event of an unforeseen incident. After all, it may be simply that you accidentally drop or damage your phone, or get it soaked in the rain - and you'll be kicking yourself if you can't redeem its full value.
The third factor to consider when selecting iPhone insurance is the value you attribute to the music, photos and information stored on it. Modern mobile phones such as the iPhone are essentially powerful mini computers with 8, 16 and 32 GB hard drives, and the amount of storage space they possess would seem incredible to the average ZX Spectrum user 20 years ago. So when calculating your iPhone's worth for insurance purposes, you have to assess the value to yourself of the personal information stored on it. While many iPhone insurance policies won't cover you for the loss of downloaded extras such as images and MP3's, they will provide a back up service for your contacts as part of the insurance policy - so check if this is included to save yourself a lot of hassle in the event of theft, loss or damage.
There are many factors to take into consideration when you compare iPhone insurance, but it pays to do you homework and choose the right policy. You'll be amazed, but not all brand name mobile phone insurance plans cover the basics such as loss of your phone, so make sure you read the small print so you don't get burned. Ultimately, there are a host of high quality choices when it comes to selecting the best iPhone insurance, just ensure the policy you choose covers the total replacement value of your phone, and think about where and when you most use your device to minimise risk and resultant claims. This way you'll keep the overall price of your iPhone insurance premium down in the long term.