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Sarah is our insurance specialist, reporting the latest important developments in the industry.
Often considered as the nation's favourite Smartphone, iPhone handsets now account for 30.9% of the UK Smartphone market. With such an impressive figure being attained it is hardly surprising that owners of these devices are proud of their gadget.
Of course, the downside to owning a popular phone is that other individuals will be interested in it as well. This means that the likelihood of your handset being stolen could increase and these Apple gadgets were found to top the Christmas theft list for this year.
However, this risk shouldn't deter consumers from purchasing these devices as insurance policies can offer protection against damages, losses and thefts. With an estimated 4.2 million iOS devices being activated this Christmas, iPhone insurance policies could be the perfect product to invest in during the New Year.
How to find the best iPhone insurance cover
Here are a few tips on how to choose the right iPhone insurance policy for you:
Compare what is on offer from different insurers and find the best policy for you. Compare what is covered, how long the policy is for and how much it costs before making your decision. Make sure you receive multiple quotes from specific insurers as well as from more general ones.
Make sure you get an accurate and clear valuation for your iPhone and make sure the insurance policy you select covers this value. Different models and ages of iPhone will be worth different amounts and it is important to make sure you policy doesn't sell itself short.
Check that the insurance isn't already offered through another product. Some insurance policies, such as those for home contents, may cover possessions and personal electronics such as mobile phones. Always investigate whether this cover will be applicable for high-end Smartphones, such as iPhones, and consider whether it is a better option than a specific insurance policy.
Don't tie yourself into an insurance contract which is too long. Most insurers will offer policies for a twelve, eighteen or twenty-four month period so choose one which is suited to you and don't accept one of the longer policies if you are likely to change your phone before it finishes.
Decide between monthly and annual payments as a way to pay for your insurance. Typically a monthly payment system will be more convenient and have a less pronounced effect on your finances but will be more expensive than paying for your insurance in one hit. Always consider which is the best option for you and don't leave yourself vulnerable for the rest of the year.