A lost, damaged or stolen cellular telephone can often cost a considerable amount to repair or replace. Although you may have got your cellular telephone for free or at a discount when you signed a Contract, replacing the phone will cost a lot more than you might think. Also, if your phone is lost, damaged or stolen, you have to continue paying the line rental for the remainder of your Contract period – whether or not you decide to replace your phone. Insurance covers all of these unforeseen expenses.

People often assume that their cellular telephone is covered in their household insurance. In reality, most household insurance policies do not provide complete cover for cellular telephones, since most incidents of loss, damage or theft occur outside the home.

No. Not without taking out another Contract, which means that you have the expense of paying for two lines, while only using one phone. Also, replacing a cellular telephone can cost considerably more than what you originally paid. This is because the Networks subsidise the original cost of the phone.

Ideally, insurance for your cellular telephone should be competitively priced and have a low excess fee. It should cover your phone for loss, theft and accidental damage. It should provide you with a replacement cellular telephone and SIM card while your claim us being settled, and pay for any unauthorised calls made after the theft or loss. We provide a variety of options to suit your individual needs.

Excess is the amount that you will have to pay when claiming for your lost, stolen or damaged cellular telephone. It is usually a fraction of the cost of the repair or replacement.