How to insure

It’s tempting to assume that any theft or damage to your precious Apple gear will be covered by your home contents insurance, but read the fine print of your policy before assuming that to be the case. You may find there are gaps – such as no protection against accidental damage, or cover that’s limited to within your home only. Even where cover is specifically provided for mobile use on the road, you may find the excess is higher than the cost of the item you need to replace.

If your current home insurance policy doesn’t provide enough cover, start by contacting your insurer to see if the missing cover is available, and at what cost. Then look around to see if you can get a better deal elsewhere – banks offering paidfor ‘premier’ current accounts often provide an option for enhanced mobile insurance as part of your monthly fee, for example, but make sure the cover has been activated before relying on it.

You could also consider self-insuring your phone by putting away a small sum in a savings account each month to act against the cost of replacing a damaged or lost phone. Alternatively,