iPhone Insurance Terms: What Protection Does The Limited Warranty Have In Water Damage? Perhaps the ideal thing a mobile phone owner are able to do would be to insure his/ her handset. There are those who dont believe that purchasing insurance is not worth. Some others have insured their cellphones since they should not invest additional money on replacement or repair where there are still individuals that dont have any idea that their phones can be insured. This is the fact that incidences of theft of cellphones is increasing day by day. It could be said that anytime one can get ones handset being theft. Not only theft, phone may also be lost as a result of damages. It may happen that phone may be drawn inside water or drawn from height. Overall, the final outcome looks like losing favorite handset. No one can bear any big damage or theft of your respective favorite mobile phone. Just like home and motor insurance, phone insurance policies are also a great replacement for recover the loss. 2. Do you have a premium current account along with your bank? Probably not something you are likely to expect from a bank, considering how unpopular theyre in the current economic climate. But they offer FREE cell phone insurance as part of their package. Just make sure you look into the excess, terms and maximum payout. From past experiences they wont cover the total £600 for any new iPhone 3G, still its just not harmful to zero pounds monthly! You can also use your phone to produce documents and focus PDF files, therefore if it is a business phone youre after, you will have a lot of choice. HTC, Apple, Sony and in many cases Nokia have business mobiles available but youll need to consider style prior to you making one last choice - and read more that is down to personal opinion. There are a number of benefits that will get your phone through your provider. As mentioned before, it is possible to get a clean handset, either no cost, or at a massively reduced cost. As also said, you will probably get back a number of the data you will probably have had stored on the phone. Other benefits will incorporate things such as free pay for a particular time period and international cover allowing you to have comfort when you go on holiday.