Verizon Wireless Arena
Wikipedia On Phone Insurance
Phone insurance is becoming of increasing importance. Cell phone insurance (as it is referred to in USA) or mobile phone insurance (the UK and Australian common term) is important as the devices move into advanced or smartphone category; meaning that they are becoming much more expensive to replace. This information was derived from the Ensquared.com – a specialist free informational site on the wireless phone insurance topic. This source offers multi-dimensional views of this important insurance category – particularly for the USA
Phone insurance really boils down to four distinct modules, namely: Extended warranty, Accidental Damage, Lost & Stolen and Data Back-up. From these basic cellular insurance items the insurance providers are able to design cell insurance products containing single modules or various combinations offering up to 4 modules in one. Obviously cell phone insurance premiums increase as the coverage becomes more comprehensive.
A very interesting observation is that all the major phone service providers who offer insurance (AT&T, Verizon, Sprint, T Mobile, Cellular One, Alltel, Cingular Wireless, TracFone and others) are all backed by one underwriter and insurer: Asurion Insurance company. This would seem to imply that there are close similarities between the providers in their offerings but that is not the case. Inside each product there are items open to a lot of variance: Deductibles, premiums charged, claim limits, module combinations, exclusions and subscription time from point of activation (anything from "day of activation" to one month after – but seldom longer). Service providers know they have a captured audience with respect to their service plans so they mold and shape the Asurion terms to suit themselves. This makes assessing phone insurance options very complex
There are other independent options available through the Internet and to eBay sellers, but these typically exclude the module Lost & Stolen and have other severe restrictions. The best known of these operators is Square Trade
A very good phone insurance comparison tool that has recently emerged is the first ever Ensquared Calculator. This is offered absolutely free and is effective in assessing the key differences between policy benefits. Seven simple questions answered give the potential subscriber succinct solutions that are the most price effective. It thereby takes into account the many differences on fundamental issues in different policies. Other interesting viewpoints of the same subject are phone insurance by Brand, including iphone insurance and Palm Pre Insurance , cheapest plans and phone insurance for less than $5 per month.
In learning more about phone insurance as it is emerging today there are questions raised all the time. A concise "Frequently Asked Questions" goes a long way to opening awareness in this arena that is starting to gain a lot more attention as costs of the devices increases and as new applications and technology make their impact.
About the Author
For more information about Cell Insurance , Phone Insurance,cell insurance,iPhone Insurance please visit www.ensquared.com
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