Unless you have been living under a rock for the last few months, you will have heard of the iPhone and all the fuss around it.
It is a handheld device from Apple, the makers of the iPod and the Apple Mac computer. It combines a mobile phone with an easy-to-use internet browser, and a big iPod (a music/sound MP3 player). So, in one device, you can listen to your favourite songs or radio shows, talk with your friends, and check the web for … well, whatever you want to check the web for.
Anyone who has not yet used one is usually confused or resistant to the charms of the iPhone, saying it is all a big load of hype and marketing, in order to sell the device.
Anyone who has used an iPhone is usually raving mad about it, how great it is, how it is the next major breakthrough in telecommunications and gadgetry.
The truth is, in the next few years we will all be looking back on the iPhone as a groundbreaking item that many other manufacturers copied. It is far more advanced than any other phone or PDA handheld device available – by a long way.
All this super-advanced technology means one thing to its price: It is not cheap.
There are a few knock on effects of it being expensive:
iPhone owners will be quite careful of their new delight Others will covet and be jealous of your iPhone – because you are the proud owner, and Criminals will specifically target the iPhone for theft.
This being the case, you would imagine that there is a lot of insurance policies for iPhones available. Sadly, this is not the case.
There is only 1 policy that is specifically a stated “iPhone Insurance” (more on that later) but there are a few other options.
One option that is often touted as a way around getting specific insurance for an expensive item it adding it to your household insurance. This can work, but there are 3 key drawbacks to doing this.
Usually home insurance policies have a FAR higher excess than any specific insurance policy, often
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