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IPhone 3G Insurance UK- 3 FAQs

March 07, 2010 By: lilybird Category: iPhone/iPod

Did you know that over 4.5 million mobile phones are either lost, stolen or damaged each year? And check this stat out, over 855,000 mobile phones are dropped in the toilet! That’s a staggering £342 million we’re loosing each year. No wonder that iPhone insurance 3G is something that you need to consider seriously – after all iPhones are one of the most expensive phones on the market today.

They are some pretty crazy stats right? And considering that I lost my iPhone twice last year, without insurance, I wish I had of known this earlier. But why didn’t I have iPhone insurance 3G? Well its because the high street providers charge an arm and a leg, last time I checked it was roughly £15 per month. And I thought that they had the market cornered until I did a bit of research online and found some pretty cool little loopholes and products which will save all of you LOTS of money.

Just imagine what it would feel like to wake up the day after a big night out, only for you to remember that you left your iPhone in a cab, or dropped it in a drink. Have you experienced this scenario before? I know I have. My advice to you, is to act quickly and make sure you get your phone covered. Even a second hand iPhone 3Gs will cost you over £300 – its not pocket change.


1. Search online to find a good independent insurance company – Most of the companies I found were online, independent and offered up to a 50% saving on your high street providers cost per month. Seriously guys, its not rocket science. Get onto Google and spend 5 minutes doing a bit of research. Make sure the cover allows you a new phone within 24 hours.

2. Check your home contents insurance – Probably a loophole that many of the general public don’t know about. Prepare to jump through hoops, but these guys should cover iPhone insurance 3G within their policy. Just make sure that you investigate your no claims bonus protection. You don’t want to lost your no claims bonus after years of no claims on your house. The only issue with this kind of protection is that you will probably be left without a phone for a few days until the claim gets sorted.

3. Check you bank account – Again, not an option many people would know about, especially in this day and age when the banks aren’t very popular with the general public. I know for a fact that Lloyd’s TSB premier account offer free mobile phone insurance as part of their package – even though its not very well advertised. Be prepared to work for your claim though! They don’t like paying out quickly.

So there you have it folks, a pretty simple 3 step process which will allow you to skip the high street providers and save a lot of money.

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 Cheap iPhone Insurance

I have also developed an iPhone 3Gs Insurance website which will go into much more detail than written here. Check out a few more fantastic, free tips!

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