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Now you have obtained a new mobile phone and committed yourself for the next 18 to 24 months to your phone network, you will probably want to buy some insurance in place to cover your new investment. As you probably are aware, your mobile phone was only given to you free of charge by your retailer, as you have promised them with a guarantee of your business for the period of your contract. That is a guaranteed income source for them for the next 24 months.

As you have assured them of guaranteed income for the coming months, they are more than pleased to give you a free mobile phone, to reward your custom, as well as to attract you to the offer in the first place.

But where would you be if you misplaced your new phone? Well basically, you would have to stand the replacement bill, except, you had some valid mobile phone insurance ready for your phone. The replacement cost of phones will vary from make and style, but a rule of thumb price would be around the 300 GBP range, with the latest iPhone being in the higher price range of around 650 GBP.

There are several familiar methods you can use to protect your phone, let's look at them quickly, one by one.

When you take out your new phone contract, you will almost defiantly be provided mobile phone insurance by your dealer or network provider, normally for an additional monthly fee of around 9 GBP to 16 GBP, depending on the connection and the make and model of the phone. This normally seems to be the highest price insurance option that will be available to you.

Secondly, you could add your mobile phone to your home contents insurance policy, as many policies permit you to add individual personal things of value. This can sometimes be very good value for money, as you may not be charged an extra fee. Care should be taken though, as you will probably find in the event of a claim being made, the complete claim process could take many weeks to get resolved. It would also be wise to know the excess fee you would have to pay with this process, as it could be set fairly high.

Finally, a very popular option at the moment is using an independent insurance company, who is not attached with the phone network or retailer to provide you with insurance cover. This is referred to as standalone insurance and is commonly found on the internet for around half the price the retailer or network provider would charge.

All in all, it could well be good exercise to research on mobile phone insurance before you purchase your new mobile, thus, allowing you to have pre selected the best insurance product for you, before you take delivery of your new mobile phone.

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