With so many options for comprehensive mobile phone insurance available on the market – whether it be through your network provider, bank, employer or third-party – it can be difficult to know which is offering the best deal.
Whilst most policies are broadly similar, they do come with their own positives and negatives, which could affect your device in the long run. Let's look at how mobile phone insurance from TSB stacks up, and whether it's worth getting cover through this bank or trusting a specialist insurance provider.
Unlike other banks, which give you the option of phone insurance within a home and contents policy, TSB actually offer gadget insurance as a separate product. This includes everything from your phone to your tablet to your laptop and can be purchased irrespective of whether you have a home insurance policy with the bank. In fact, this could theoretically be your one and only interaction with this provider.
Gadget Cover under a TSB Pick and Protect policy allows you to choose an insured amount between £500 and £10,000. This will vary depending on how many items you want to insure as well as the total value of each item. Presumably, the higher the amount you want to insure, the higher your excess charges could be, and the more you'll pay in monthly premiums. This form of TSB mobile phone insurance protects you against accidental damage, loss, and theft, as well as theft from an unattended vehicle up to the value of £1,500.
While this is rather comprehensive cover, there are some drawbacks. For example, you will not be protected against ¢â‚¬Ëœcosmetic damage' such as scratches and dents, and it is unclear whether your policy extents to screen replacements. Furthermore, TSB provide no information about whether you receive a like-new replacement device should the worst happen, or whether they pay a cash sum.
At Mobile Phone Insurance Direct, we understand how important your mobile device is to you, so we aim to get a like-for-like replacement to you as soon as possible. Not only does this give you peace of minding knowing that you'll be up and running again in no time, but it also saves you the trouble of having to buy a new device.
Specialist mobile phone and gadget insurance providers like MPID offer a number of great benefits to their customers.
Unlike mobile phone insurance from TSB, we offer a range of insurance tiers – ranging from Essential cover to Plus and Premium, each tailored to suit your needs and device. All of our policies offer protection for accidental damage, liquid damage, loss, and theft, all of which apply worldwide, so no matter where you are, your device will be safe.
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