Extremely Clever Marketing from the iPhone, BlackBerry and White Rum Mobile phones are getting to be a vital a part of out lives, empowering us using the latest in telecommunications and entertainment. They are one of the most sophisticated devices today and many advanced phones come for any good amount of greenbacks. But as a result of their expensive and their portability they are becoming increasingly vulnerable to theft. Not only this, most phones will also be vulnerable to damage since they are very compact and delicate. It is often very costly to change a lost or damaged handset this means you will go as much as £400 for latest smart-phones. The best way to protect them is to get cellphone insurance that may pay for the replacement of the devices in the event of their damage or theft. One of the scenarios that will happens is if that valuable iPhone drops within the pool. For most this will be heart wrenching but when you have iPhone insurance this can not be any bother. You will just show along with the policy will handle the river damage. There is information indicating which more than three million phones got lost or stolen this past year. Among these numbers, 1 million got damaged because of water. Most of us have the habit of keeping our things at one place and then later seek out it everywhere. If it is misplaced in your house, its not at all a challenge. It could be searched for and discovered someday. But if it was placed somewhere outdoors, it is definitely difficult to track. We can just look for a while at those places where we had visited, though the chance for getting a misplaced phone is extremely hard. These are folks who suffer from a lost mind. Hence, they obviously require finding a mobile policy as a way to free themselves of that tension that is certainly caused after every such loss. What happens though if one of your children lost their phone on month 3 of an 24 month contract? Well, basically, should you did not have the handset insured and you also asked your phone supplier to get a replacement, they would ask you for the total retail value to the phone, which as I stated previously, can be within the 300 GBP insurance for mobile phones range. The retailer would defiantly not give you another free phone, if you do not had mobile phone insurance to pay this event. The mobile insurance agencies also facilitate users to pay for the data held in phone memory. So in the condition of lost, users can claim that they can get their data back if they have registered for such policies. In this way its proving to be more fruitful for the people involved within the business and they also shouldnt lose the dear data anyhow. The mobile insurance agencies impose different conditions and terms based on their policies. For example, everyone has to provide report to police concerning the incidents within 24 hours and insurance carrier can also investigate to the matter.