Cracked Screens and Dented Wallets: Protecting your Smartphone
Smartphones and tablets are some of today’s most desirable purchases. They are beautiful, functional and portable, providing anything from inspirational recipes in the kitchen to quizzes, slots games whenever you want to. A world of information and entertainment is suddenly at your fingertips. Both are, however, fragile electronic items and may well break if you drop them, so being clear about the likely cost of repairs, and how to insure them, is a good idea.
Ownership of items such as smartphones, laptops and tablets has grown enormously in recent years, and many households have gone from owning a static PC and mobile phone to a situation where they have several portable devices. Portability is good, and laptops have replaced PCs in many homes, but carrying devices around does increase the risk of damaging them. So, understanding how, or if, your technology is insured, as well as appreciating how high repair costs can be, makes sense.
Protecting your Phone with a Case
Keeping your smartphone or tablet in a decent case can prevent damage. Even the most careful people are likely to drop their phone on occasion, and, although, it is often the case that there is no damage, cracked screens and damaged LCDs are a common occurrence. The bad news is that repairing them is costly, and, if your phone is no longer the latest model, it may cost as much to repair as it would to replace the handset.
An ordinary case will protect against scratches and minor bumps – check the exact wording the manufacturer uses before you buy – but can let you down if your smartphone or tablet takes a heavy knock or falls from a height. Tough cases are available which surround the phone and include built-in screen protectors: these can safeguard phones from both impacts and the elements.
Insuring your Smartphone
Home contents policies can include cover for things like phones and tablets, under the heading of personal possessions. This element of cover may be optional on the policy, and will have its own excess, so checking your existing arrangements is essential. The drawback here is that paying an excess is not ideal. Furthermore, making a claim could have implications for things like no-claims bonus and, therefore, future premiums, so may not be the best solution. It is, however, always worth speaking to your insurer to find out exactly how they would treat such as claim, as policies will vary.
Bespoke policies are available, and can be bought to cover one item, or all the gadgets in the household, against a range of losses, including accidental damage.
An alternative is to check whether your bank account includes any mobile phone insurance, as this may be included as part of the enhanced package of benefits offered to customers on many accounts, particularly those which charge a monthly fee. (These policies may include an excess too.)
Whilst insuring such things as smartphones and tablets makes a lot of sense, as it covers a broad range of eventualities, including theft, loss and liquid damage, as well as accidental damage, taking sensible precautions to minimise common accidents like cracked screens does save a lot of time and trouble in the long run.