So now you are the proud owner of the latest iPhone model from Apple, the latest update boasts full video capture and much faster operating speeds, previous models lacked this extra and advanced functionality.
One point worth noting on the upgrades received by the iPhone 3GS is the price, as with all the latest versions or models of any electrical equipment, the price will undoubtedly go up; the latest edition to the iPhone family offers no change to this trend, with the 3GS model significantly higher price tag than its predecessor. So it is worth considering iphone insurance 3g to protect your new 3G-S iPhone right from the start.
The increased price leaves the new contract holder with a question, and thats weather they should protect their new 3GS iPhone from common occurrences like loss, theft and accidental damage, with an individual iphone insurance policy, or make sure protection is included within your household contents insurance as the replacement cost will be the best part of 400 pounds.
What makes the decision all the more difficult, is that there is so many variables that could make some of the iPhone insurance cover options better for one person, yet on the other hand, for another person, this could not be the best option available. Now lets take a peek at the different insurance cover for the new 3GS, for different people in different circumstances.
The first option we should look at is covering your iPhone on your home contents insurance policy. This is an obvious first choice and may well be a good option for many iPhone owners, that is, indeed, if you actually have home contents insurance in the first place, as many people tend to take a gamble on this, especially younger people in rented accommodation. One point to clarify before you get iPhone insurance cover through your content insurance, is the excess charge in the event of a claim and, secondly, if a claim for three or four hundred on you contents insurance, will the price rocket next year, as you could wipe out your no claims bonus.
Secondly, is the iPhone insurance Cover you will be offered when you first take out your iPhone contract. This is an area where caution is needed, as phone sales staff are trying to push their companies insurance on you to meet there sales quota. You will almost always find, this will be the most expensive cover and may not cover you for what is really needed, like loss and water damage. At this point you would be better asking for a written copy of the insurance terms and conditions, sitting down and reading them, rather than taking the sales reps word for it, you may well be shocked.
Thirdly is the specialist 3GS iPhone Insurance cover. Specially designed to protect your iphone 3GS, stand alone iphone insurance 3g is competitive and quite often offers an enhanced level of cover over some networks insurance cover.
If you enjoyed this post, make sure you subscribe to my RSS feed!