5 fool-proof tips to protect your mobile phone

Replacing your mobile phone if it’s lost or stolen can be a stressful and expensive experience.

Girl taking photo with mobile phone

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With the iPhone 7 shaking up the mobile phone market, we take a look at some of the best ways to keep your device protected, whether it’s old or new:

1. Invest in a protective cover

Mobile phone covers come in a wide range of colours and materials, so you can protect your device in style.

According to gadget insurance provider Loveit Coverit, around 60% of all accidental damage claims it has received so far in 2016 have been for dropped devices. 

2. Activate security features

Install a passcode on your phone, as well as a ‘Find my Phone’ type app.

iPhones, Windows Phones and Androids all have variations of this to help you track the location of your phone, should it get lost or stolen. 

And always back-up your phone contacts and photo albums regularly to your laptop or cloud storage, in case the worst happens. 

3. Be cautious on public transport

Whether you’re listening to your top tunes on the bus or flicking through your favourite apps on the train, make sure you’ve got your phone as you near your stop.

It’s thought that 10% of mobile phone loss claims are for phones left on public transport.

4. Don’t go bowling (in the bathroom)

For an unlucky 7% of claimants in a typical year, their mobile phone never quite made it back from the watery depths of their bathroom toilet. 

5. Get yourself insured

MoneySuperMarket found that if you had to replace one of the best-selling handsets from 2016 you’d have to pay between £259 - £640 – making insurance a sensible option.  

Most popular handsets of 2016 Cost of a replacement handset
Galaxy S7 Edge From £639.00
Galaxy S7 From £569.00
iPhone 6s From £539.99
iPhone 6 16GB From £459.99
iPhone 5s 16GB From £259.00

Home contents insurance
policies will provide cover for your mobile phone, but it’s worth bearing in mind that your phone might only insured while it’s within the confines of your home (unless you pay extra).

And the cover might be limited – for example, you might not be insured for accidental damage.

Also, making a claim through your home insurance will trigger an excess – the amount you pay towards any claim you make – and you’ll lose your no claims bonus.

It’s likely that a contents policy excess will be considerably higher than the excess on a mobile phone policy.

With mobile phone cover costing from £5 a month, this option is worth considering – although, as with all sorts of insurance, you need to check the policy for exclusions and limitations, so you know what you’re buying.

Head over to our gadget insurance page to compare which insurers will provide protection for your mobile.

If you are in the market for a brand new iPhone head over to our dedicated iPhone 7 hub for details on its spec and contract prices. 

Please note: any rates or deals mentioned in this article were available at the time of writing. Click on a highlighted product and apply direct.

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