Cell Phone Insurance - Know More
These are peculiarly hard times when seen in a moral light. Nothing is safe from the probing glances of nefarious elements. Yes, home, car, life, health and other hefty insurances are prerequisite but even the smaller things need to be taken into account. The idea is to adequately cover for those stuffs which we never think of being of too much weight yet which seem to be indispensable. One among such things is a cell phone. Now, the moment you go to a shop to buy a cell phone, a third party processor asks you to take cell phone insurance.
He suggests that the monthly premium is laughable and stands close to $4. You think that the amount is a slight on senses and that even a high deductible wont make it amount for much. You just take it and heave a sigh of relief. Now, is cell phone insurance really handy?
Prior to making such an assessment, you need to take care of certain facets. As a first, you shall introspect about your mobile handset. Is it a high end model? If yes, then you obviously need insurance. This is because; the cost of replacement of cell phone would still be far more than the accumulated value of premiums and deductible. Second, you must pre-ensure what category of a cell phone buyer you fall into. There are those accident freaks that run down their own mobile handset beneath the wheels of their car. Then there are those who simply can't withstand the urge of losing it.
A few would take their novels to the restroom and accidentally, quite in oblivion, would drain their handsets down the flushing system and then there are the final few who would be burgled and the missing entities would more often than not be a cell phone. Do you fall in this category, if yes, what your frequency of running into these mishaps is? If overall you know that within 6 months from the date of purchase, you would end up losing the cell phone then this insurance is yours for the taking. Just jump up its bandwagon. There are no ifs and buts.
Most often, the insurance companies dupe us by not letting us into the contracts completely. After all, who would ever think of the small font sizes in the contract letter and here the customers miss a major point. Often, when they ask for replacement, the claim is settled beautifully within a day but lo and behold! The model you get is far from the model you had. They cite reasons of unavailability. Often they would tell you that the model is not made any more and that the company has goner kaput, retail production house is closed or some such thing. The idea is to pre-confirm.
