You can make great savings by insuring your smartphone device with Mobile Phone Insurance Direct.
For the majority of mobile phone owners, the idea of not having insurance for their device is truly a nightmare. With modern smartphones becoming more and more expensive, the need to protect it against the worst possible outcome – be that theft, loss, or accidental damage – is more prevalent than ever.
Luckily, it’s never been easier to get phone insurance, with some form or another being available from independent insurers, supermarkets, and even your bank. But how do they compare to each other, and how can you be certain you’re getting the best protection for the price you want? Let’s look at what Santander mobile phone insurance has to offer and how it stacks up to our policies.
Unlike other competitor banks, Santander does not offer mobile phone insurance with one of its paid current accounts. The only way to get mobile phone insurance from Santander is to benefit from a comprehensive home and contents insurance policy. This will provide cover for all of the items inside your property, ensuring that, should the worst happen, you’ll be able to recoup the costs.
Santander home insurance is available in two tiers, Everyday and Premier, both of which offer a different level of cover. Everyday insures up to the value of £50,000, has accidental cover as an optional extra, and has a variable excess between £200-£500. On the other hand, the Premier tier offers an unlimited contents sum, as well as a reduced optional excess of £100-£500. Both of these policies would allow you to claim on damage to, or theft of, your smartphone should the wort happen.
The most obvious downside of getting mobile phone insurance from Santander is that it is only valid when the smartphone is in your home. As soon as you step outside with it, you’ll no longer be protected. Furthermore, home insurance policies tend to be more expensive than simply insuring one device, and if you make a claim, your premiums will go up on everything, not just for the item you claimed on. Finally, while you can get a reduced excess charge with the Premier cover, it will likely be much more expensive than the excess on a regular smartphone insurance policy.
Unlike mobile phone insurance from Santander, when you take out a policy through Mobile Phone Insurance Direct, you’ll get a dedicated service that works for you. You can choose between three price tier, Essential, Plus, and Premium, which allow you to tailor a policy around your needs. Regardless of whichever you choose, you’ll always benefit from accidental damage cover, as well as liquid damage, theft, and loss as standard. What’s more, all of our policies offer worldwide cover, so no matter where you are, you’ll be able to make a claim.
Unlike other insurers, we don’t do cash reimbursements. Instead we’ll ensure that you get a repaired device or a like for like replacement whenever your claim is successful, with a 14-day money back guarantee and 12-month warranty. With 30 years’ experience in offering specialised gadget insurance, you’ll receive a personalised solution that ensures your mobile is protected.