Is insurance for cell phones necessary?


Posted January 6, 2013 by gailblack

While insurance for cell phones may not be absolutely necessary as an additional expense associated with owning one of these devices it is a good idea and worthy of serious consideration.

 
While insurance for cell phones may not be absolutely necessary as an additional expense associated with owning one of these devices it is a good idea and worthy of serious consideration. Purchasing a new cellular device always includes the protections provided in the cell phone warranty associated with the device; however it does not always include additional protection plans. In order to provide an additional level of protection for the device being considered for purchase it will be necessary to purchase these plans separately. These two policies are intended to cover different areas of interest associated with owning the merchandise.

There are no mandatory regulations that stipulate owners of these devices must purchase additional insurance for cell phones to help protect their investments. Several clients of the older generations are comfortable with having nothing more than the cell phone warranty in place to protect their investment in a device of this nature. They do not use their cellular phones as often as the younger generations do therefore they do not feel the need for purchasing more protection. Many of them actually have the same cell phone they have had for years, neglecting to upgrade to a newer model since the one they have continues to work up to their expectations.

There are individuals in the middle aged market that also elect to forego the opportunity to purchase insurance for cell phones. They use their devices while they are away from home and have a landline service provider for their residential needs. These individuals also feel that the cell phone warranty that was included with the purchase is enough to cover their needs as far as protection is concerned. They do not keep their phone on while they are at home and when they do carry it with them they use extreme care and caution to keep it from being damaged.

Individuals that represent the younger generations should give some serious consideration to purchasing insurance for cell phones. The younger generations use these devices for everything they need to do. They talk, text, email and surf the web with them. They leave them unprotected in public areas where they can be easily stolen or damaged accidentally. The cell phone warranty that comes with the devices they are using will not cover half the problems that could be present in devices owned and used by individuals of this age group. They have their devices with them no matter where they go.

Parents of school age children that have cellular devices should also consider purchasing insurance for cell phones. This age group represents the least responsible group associated with owning and operating equipment of this nature. They do not intend to cause harm or damage in most cases, yet their daily activities position them in places where a simple cell phone warranty will not be of use for providing protective measures. Parents that neglect to take advantage of this opportunity run the risk of losing out on their investment should the device need service or repair work in the future.
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Issued By gail
Country United Kingdom
Categories Insurance
Last Updated February 21, 2013