It is a painful situation to be in – that is if you dont have mobile insurance.

A decent level of cover should include mobile phone theft, phone loss (excludes iphones) and phone damage.

You should also get a few extra elements like mobile insurance international cover – for when you are abroad with your phone – and fraudulent call cover – to cover the cost of calls made by the phone thief without your permission.

This is just a snap-shot of why you need mobile insurance.