Mobile Network Insurance
When you purchase a phone from a network provider, they will usually ask you whether you would like to insure it there and then. For example, with o2 phone insurance, you have to insure your device within 28 days of purchasing it. Network providers can quickly replace your handsets, which means they can offer you a speedy service. However, there are some drawbacks to taking out phone insurance with your network provider, the first being that the cost is usually set across all handsets, even for older models. Comparatively, pure play providers will tailor the cost of your plan to your device.
Even the cheapest network provider option is still more expensive than a pure play provider, so you may end up paying more per month for a less comprehensive cover. Generally, they will have higher excesses and a limit to the number of claims you can make in a 12-month period, for example Vodafone phone insurance has an excess fee of £79 and a limit of three claims per 12-months. But don’t forget to check the details of your phone warranty, as this may cover you for certain damages already.
Pure play provider
Unlike the other providers previously discussed, pure play providers have many benefits. As we specialise in mobile phone and gadget insurance, you are getting experience, expertise and efficiency when you insure your phone with a pure play provider. Not only is the claims process quicker, as it is our sole concern, it is also the cheapest option, with monthly payment as little as £6. Some specialist phone insurers, like loveit coverit, will have no limit for claims, as well as multi-gadget policies and discounts. Pure play insurance policies are extensive, offering more cover for your money. For example, loveit coverit’s insurance policies include loss(premium), theft, accidental damage, liquid damage, mechanical breakdown, accessory cover and worldwide cover. Another benefit of a policy like ours, is that you are not tied into a lengthy contract and there is a 14-day money back guarantee on repairs and replacements. So if you have just bought a phone with EE, Vodafone or another network provider and are looking for comprehensive phone insurance with cheap excesses, choose a pure play provider like loveit coverit.